Jakarta Workers Can Afford Self-Healing with Proper Financial Planning

Balancing Financial Needs and Recreation

Workers in Jakarta can afford self-healing activities without straining their finances, according to financial planner Mike Rini. The key lies in proper financial planning and mindful spending. Rini recommends using the 60-25-15 rule for financial management: 60% for essential needs, 25% for lifestyle expenses (including recreation), and 15% for savings and investments.

Allocating for Self-Healing

For workers earning the Jakarta minimum wage of Rp 5.7 million, this means allocating around Rp 1.4 million (25% of Rp 5.7 million) for lifestyle expenses. This amount can cover various self-healing activities such as casual dining or entertainment. Rini advises that activities costing minimal or no money can be particularly satisfying, as Jakarta offers numerous low-cost or free recreational options.

Mindful Spending is Crucial

The financial planner emphasizes the importance of mindful spending when allocating funds for recreation. Workers should balance their desire for self-healing with financial discipline to avoid excessive spending. For instance, limiting recreational activities to once or twice a month can help maintain this balance.

Mental Health Considerations

Rini also highlights that self-healing is not just a want but a need, especially in high-stress environments like Jakarta. Allocating funds for recreation can contribute to better mental health and overall well-being. By choosing cost-effective options, workers can achieve satisfaction without significant financial strain.