The year 2025 serves as a key lesson for UMR-income workers facing the 'gaji numpang lewat' phenomenon, where salaries vanish in days due to rising living costs and digital consumption trends. Financial planners believe this can be addressed through financial discipline and understanding daily spending patterns. Expert Rista Zwestika suggests simple strategies to break the cycle.
Jakarta is at the center of discussions on the 2025 'gaji numpang lewat' phenomenon, experienced by many UMR-income workers. This arises from the previous year's rise in living costs, including surges in essential goods prices and non-essential spending. Digital lifestyle trends fuel spontaneous consumption, such as falling for promotions, entertainment, and social needs for mental health, including vacations or costly sports like tennis, padel, golf, and personal gym training. Frequent dining at trendy cafes also erodes budgets without proper planning.
Financial planner Rista Zwestika explains that 2025 marks a turning point, coinciding with lifestyle shifts and the proliferation of entertainment events like major concerts and music festivals featuring international artists. To counter it, she recommends activating fixed-term savings with automatic deductions, curbing impulsive spending, and prioritizing long-term needs. “Upgrade value-nya, perbesar link-nya. Peluang itu datang kalau kita siap,” said Rista.
Personal financial improvement is not instantaneous but requires strategy adjustments tailored to individual backgrounds. The initial step is income management, such as applying allocation formulas like 50-30-20 or 50-20-10-10 customized to circumstances. “Apa sih yang kita benerin? Contoh, kalau kita punya pendapatan, apakah pakai rumus 50-30-20 atau 50-20-10-10? Itu bisa disesuaikan dengan kondisi klien,” stated Rista. Thus, workers can build savings and escape the exhausting financial cycle.
