Find your best way to managing your wallet

on every season of your life

www.dana.id
Introduction

Hello!
I am Chairdiana (Diana)
47 years old
Married, 1 Son
Work experience : 24 years in banking, now as
VP of operations in DANA → managing
customer fund and anti money laundering
Financial transformation in every seasons/life stage

> 56 years
53 – 56 years old

48 - 52 years old

43 – 47 years old
Retired
38 – 42 years old

33 – 37 years old

28 – 32 years old
established position/business
23 – 27 years old and family

< 23 years old

old
development career/business
growth and family growth

still in university start working/start

business/start family
 Still in University
No income
< 23 yrs

Start new job or business

Assumption income 5 -10 mio per month
Living cost 4 – 8 mio (80%)
23 – 27 Yrs
Saving 2.4 mio (30%) 112 jt
Start married and buy houses
Assumption income 11 -15 mio per month
Living cost 7 – 9 mio per month
Carryforward saving 112 mio
Ongoing saving 336 mio
28 – 32 yrs
Total saving 448 mio
DP house 30% = 120 Mio (house 400 mio);
married expenses 100 mio
 Development career/business growth and family growth
Assumptions monthly income 20 – 30 mio per month
Living cost 12 – 18 Mio

Development career/business growth and family

33 – 37 Yrs KPR 10 yers, 6 mio per month
Carry forward saving 228 mio
growth
Ongoing saving 288 mio
Assumptions monthly income 30 – 40 mio /month
Total saving 336 mio
Expenses 18 – 24 Mio
Buy new car DP 30 % 60 mio (car price 200 mio; month 3.5 mio
KPR 6 mio per month,
Car loan 3.5 mio 38 – 42 Yrs
Carry forward saving 276 mio
development career/business growth and family
Ongoing saving 364 mio
growth
Renovation house 200 mio Assumptions monthly income 40 – 50 mio per month
Total saving after renov house 164 mio Expenses 24 – 30 Mio
KPR 6 mio per month,
43 – 47 Yrs
Car loan 1 year 3.5 mio
Established position/business and family
Carry forward Saving 164 mio
Assumptions monthly income 50 – 60 mio per month
Ongoing saving 735 mio
Expenses 30 – 36 Mio
Child enter university 200 mio; buy car for child 200 mio
Carry forward Saving 499 mio
Remaining saving 499 rb
Ongoing saving 1,344 mio 48 – 52 Yrs
Start investment minimum 1 bio on deposit with
interest 5.5% at 50 yrs
 Established position/business and family
Assumptions monthly income 60 – 70 mio per month
Expenses 36 – 42 Mio
Retired 53 – 56 Yrs
Interest deposito 2yrs 90 mio
Assumption no monthly income
Carry forward Saving 700 mio
Income from investment
Ongoing saving 1 year 392 mio
Saving 784 mio
add investment bio on deposit with interest 5.5%
Interest deposit 15.2 mio
Saving (54 – 56) 784 mio
Pension fund 7 bio
Total investment deposit 9 Bio, 5.5 % for 15 years
> 56 Yrs Interest deposit for 2 bn = 183 mio per annum

Income per month 46 mio and saving 784 mio

Happy & Healthy

How I managed my wallet

Living/daily expenses 50 %
For daily expenses

Investment KPR
Mutual funds, TD and Gold 10% 30 % For payment KPR

saving
10% Saving and emergency funds
How I managed my wallet

Set monthly spending

JANUARY After I set total spending for this month spending
then transfer to other account for saving and
investment

Records weekly expenses

Every Sunday will make notes for every spending on
On last week

R.E.V.I.E.W
By end of month or beginning of the month will make
Reviews on last month spending → is it overspending
Impact to saving or investment plan
Managed wallet in NEW normal seasons

Change your lifestyle

Cancel your No Cinema No Gym

Holiday Membership

Create affordable living cost

wise on spending no no subscribe

over online shopping unnecessary apps
Managed wallet in NEW normal seasons

saving for emergency Investment

BE GRATEFULL
“Building Wealth is a Marathon, Not
a Sprint. Discipline is The Key
Ingredient”
- Dave Ramsey

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