📉 Indonesia’s Middle-Class Decline: Are you one of them? 🚨
Do you feel your paychecks disappearing faster than usual?
Used to save with ease, but now only enough to survive?
Even a comfortable life and holidays seem distant?
Then, you are not alone! Many others in Indonesia are trapped in the same situation!
According to recent data from the Central Statistics Agency, the middle class in Indonesia has dropped sharply from 57.33 million in 2019 to 47.85 million in 2024.
This situation is undoubtedly challenging, but you don’t have to face it alone. Setlary is here to help you regain financial stability and restore comfort in your life.
How The Middle-Class Deal with This Financial Pressure?
Setlary offers three effective budgeting methods to help you maintain financial balance in these tough times.
50/30/20 Rule
This method divides your income into three essential categories:
- ✅ 50% for needs
- ✅ 30% for wants
- ✅ 20% for savings and debt repayment
Simulation: If your income is Rp 5,000,000, here’s how to allocate it:
- Basic Needs: Rp 2,500,000
- Wants: Rp 1,500,000
- Savings and Debt: Rp 1,000,000
With this method, you get a clear view of your spending. But what if an urgent need arises unexpectedly?
Don’t worry!
Setlary offers a solution. With the flexibility to access your salary early, you can manage urgent needs without waiting until the end of the month or disrupting your carefully planned budget. Enjoy peace of mind and full control of your money at your fingertips.
Zero-Based Budgeting
Have you ever heard of Zero-Based Budgeting? It’s a budgeting method that requires every rupiah from your income to have a clear purpose—whether for daily needs, savings, or debt repayment.
At the end of the month, your budget balance should reach zero, allocated according to plan.
Simulation: With a monthly income of Rp 5,000,000, allocate as follows:
- Needs: Rp 2,000,000
- Savings: Rp 1,000,000
- Debt: Rp 1,000,000
- Entertainment: Rp 1,000,000
- Donations: Rp 1,000,000
After allocating all categories, your balance is Rp 0.
The benefits? Your spending becomes more focused, organized, and accurate. No more money will just ‘disappear’ like that.
Kakeibo Method
Kakeibo is a budgeting method from Japan that is effective for frugal living. This method invites you to introspect on your finances through simple questions:
- How much money do you have?
- How much will you spend?
- How much can be saved?
- How can you improve your financial planning?
It seems simple yet effective in helping you analyze and identify financial areas that need improvement.
Simulation: If you have a salary of Rp 5,000,000, here’s the allocation:
- Planned Expenses: Rp 3,000,000
- Savings: Rp 1,000,000
- Emergency Expenses: Rp 1,000,000 (e.g., urgent repairs)
Analyze and adjust your budget allocation each month to improve your saving habits
The Solution to Your Financial Challenges Is Within Reach
With help from Setlary and choosing the right budgeting methods, you can regain control over your finances and achieve the comfortable life you dream of. Don’t hesitate to utilize all the features we offer—we’re here to assist you every step of the way.
Take the first step towards financial stability today with Setlary! 🌟
