{
    "success": true,
    "data": {
        "id": 1661890,
        "msgid": "want-to-holiday-without-disrupting-cash-flow-financial-planner-shares-ideal-allocation-method-1775602303",
        "date": "2026-04-07 19:07:08",
        "title": "Want to Holiday Without Disrupting Cash Flow? Financial Planner Shares Ideal Allocation Method",
        "author": "Indira Rezkisari",
        "source": "REPUBLIKA",
        "tags": "",
        "topic": "Finance",
        "summary": "Financial planner Erlina Juwita advises allocating 5-10% of income for holidays to avoid disrupting cash flow, especially amid rising domestic flight prices due to a government-approved 13% increase linked to higher aviation fuel costs. She recommends planning budgets early, choosing affordable destinations and timings, and building savings habits by setting aside funds automatically from the start rather than using savings or debt. This approach ensures holidays remain enjoyable without long-term financial strain.",
        "content": "<p>REPUBLIKA.CO.ID, JAKARTA \u2013 Holidays are an important activity for\nrelieving stress and maintaining life balance. However, amid rising\naircraft ticket prices, more thorough adjustments in planning are\nneeded.<\/p>\n<p>How to do it?<\/p>\n<p>Financial planner and founder of CerdasKeuangan, Erlina Juwita,\nemphasises the importance of creating a holiday budget well in advance.\nIdeally, the holiday budget should be allocated at 5 to 10 percent of\nincome to avoid disrupting cash flow.<\/p>\n<p>\u201cSo as not to disrupt cash flow, it\u2019s best to make a budget plan and\nadjust it to the current situation, for example, the rising aircraft\nticket prices. For the holiday budget, the ideal allocation is 5-10\npercent of income, so please adjust the holiday destination to your\nfinancial capacity,\u201d said Erlina when contacted by Republika on Tuesday\n(7\/4\/2026).<\/p>\n<p>As is known, the government has allowed airlines to raise domestic\nticket prices by up to 13 percent as a result of the increase in\naviation fuel prices. This situation makes travel costs higher than\nusual.<\/p>\n<p>Nevertheless, Erlina stresses that holidays can still be taken with\nseveral adjustments. These include rearranging travel times to more\naffordable periods, choosing more budget-friendly tourist attractions,\nand seeking economical accommodation.<\/p>\n<p>She also highlights the habit among the public of rarely allocating\nspecific funds for holidays. Many instead use savings money when they\nwant to travel.<\/p>\n<p>However, according to Erlina, saving consistency can be built in a\nsimple way, namely by setting aside funds at the beginning, not from the\nremainder of expenses. She suggests starting with a small amount and\ndoing it automatically on the same date each month to maintain\ndiscipline.<\/p>\n<p>\u201cIt\u2019s indeed a bit difficult if not yet habitual. To stay\ndisciplined, set aside at the beginning, start with a small amount, and\ndo it automatically,\u201d she said.<\/p>\n<p>Furthermore, Erlina reminds the public not to force a holiday if the\nbudget is not sufficient. Especially if it involves using debt, as this\ncan burden finances in the future.<\/p>\n<p>\u201cIf forced, it will disrupt cash flow, especially if using debt,\nthere will be an additional burden to repay that debt,\u201d explained\nErlina.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/want-to-holiday-without-disrupting-cash-flow-financial-planner-shares-ideal-allocation-method-1775602303",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}