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Mengatur THR Agar tidak Kebablasan Tunjangan Hari Raya merupakan penerimaan yang rutin diperoleh jelang Hari Raya. Pendapatan yang bersifat bonus itu namun seringkali cenderung dihabiskan, bahkan digunakan untuk kepentingan yang sifatnya keinginan bukan kebutuhan. Konsultan keuangan dan Ppenulis buku 'Finchickup', Farah Dini, menjelaskan agar THR tidak jebol begitu saja, sisihkan THR di awal untuk ditabung. Misalnya sisihnya Rp 500 ribu, Rp 1 juta atau berapa saja. Karena jika mempunyai uang THR berapapun, kalau mau dihabiskan, bisa saja dihabiskan semua. Setelah itu tuntaskan kewajiban untuk membayar THR pekerja. “Misalnya bayar THR orang yang kerja sama kita, sopir, ART, dan lainnya. Setelah itu keluarkan sedekah, zakat mal dan zakat fitrah,” ujarnya kepada Republika.co.id, dalam acara Diskusi Interaktif Jelang Berbuka,”Cerdas Kelola Keuangan di bulan Ramadhan – Ayo #DoITCERDAS”, di Jakarta belum lama ini. Kemudian, coba sisihkan untuk membayar pengeluaran tahunan, misalnya bayar STNK, PBB, biaya servis mobil, biaya asuransi tahunan dan lainnya. Sisanya barulah untuk Lebaran misalnya baju baru, kue Lebaran atau masakan untuk Lebaran. Tentukan bujetnya berapa. Agar tidak jebol buat pula daftar belanja yang dibutuhkan. Bukan yang diinginkan atau dibuat-buat. Ia menambahkan tidak sedikit masyarakat Indonesia yang pada saat Lebaran menambah furnitur baru atau renovasi rumah. Dengan alasan akan ada banyak tamu datang hingga ingin menambah kursi, beli karpet atau renovasi kitchen set. Semua harus dipikirkan urgensinya. “Tidak semua harus renovasi saat ini juga. Kalau rencana renovasi rumah, siapkan jauh-jauh hari. Jangan tunggu THR. Siapkan dari Januari.” Bagaimana jika ada yang ingin mencicil gawai atau barang elektronik lainnya dari dana THR? Menurutnya, boleh-boleh saja kalau membutuhkan. Namun cicilannya tidak boleh lebih dari 30 persen pendapatan. “Untuk cicilan sebenarnya menggunakan dana dari dana bulanan. Cicil enggak apa selama masih dalam batas itu.”