Want to Holiday Without Disrupting Cash Flow? Financial Planner Shares Ideal Allocation Method
REPUBLIKA.CO.ID, JAKARTA – Holidays are an important activity for relieving stress and maintaining life balance. However, amid rising aircraft ticket prices, more thorough adjustments in planning are needed.
How to do it?
Financial planner and founder of CerdasKeuangan, Erlina Juwita, emphasises the importance of creating a holiday budget well in advance. Ideally, the holiday budget should be allocated at 5 to 10 percent of income to avoid disrupting cash flow.
“So as not to disrupt cash flow, it’s best to make a budget plan and adjust it to the current situation, for example, the rising aircraft ticket prices. For the holiday budget, the ideal allocation is 5-10 percent of income, so please adjust the holiday destination to your financial capacity,” said Erlina when contacted by Republika on Tuesday (7/4/2026).
As is known, the government has allowed airlines to raise domestic ticket prices by up to 13 percent as a result of the increase in aviation fuel prices. This situation makes travel costs higher than usual.
Nevertheless, Erlina stresses that holidays can still be taken with several adjustments. These include rearranging travel times to more affordable periods, choosing more budget-friendly tourist attractions, and seeking economical accommodation.
She also highlights the habit among the public of rarely allocating specific funds for holidays. Many instead use savings money when they want to travel.
However, according to Erlina, saving consistency can be built in a simple way, namely by setting aside funds at the beginning, not from the remainder of expenses. She suggests starting with a small amount and doing it automatically on the same date each month to maintain discipline.
“It’s indeed a bit difficult if not yet habitual. To stay disciplined, set aside at the beginning, start with a small amount, and do it automatically,” she said.
Furthermore, Erlina reminds the public not to force a holiday if the budget is not sufficient. Especially if it involves using debt, as this can burden finances in the future.
“If forced, it will disrupt cash flow, especially if using debt, there will be an additional burden to repay that debt,” explained Erlina.