KAJIAN PERENCANAAN KEUANGAN SEBAGAI SUATU STRATEGI UNTUK MENGELOLA KEUANGAN KELUARGA

Abstract

Good and effective family financial management is one of them through a financial planning strategy. The impact of financial planning will make families able to manage the cycle of incoming and outgoing money in their economic life, because everything is regulated based on the planning that has been made. The method used is a descriptive qualitative research method with 9 (nine) informants from the Jesus Good Shepherd Parish, Rike Manado, with interview and questionnaire methods as primary data and using research literature from books and scientific articles as secondary data. The results of the research and discussion of the objectives achieved must have an impact on the cash flow to be achieved, each family does not make cash flow records but has clear goals. Regular assessment of financial position. For this concept, each family assesses its financial position for each of its financial management. Planning and developing financial planning habits. Planning and developing financial management has been applied in the financial planning of each family. Financial goals must be realistic. By anticipating the current situation and conditions, each family has planned realistic financial goals. Working hard to achieve financial goals. This concept every family is no longer motivated to work hard to achieve financial goals because the fulfillment of needs has been met.