Ahead of Eid al-Fitr, one of the most anticipated things by every employee is the holiday allowance (THR). In general, THR is used to fund homecoming or meet the needs during Eid later.
From research conducted by one of the fintech platforms, it turns out that 49% of digital savvy people admit that their THR funds run out after Lebaran. The remaining 51%, admitted that they already have plans to allocate THR funds. Which category do you belong to?
Smart Ways To Manage Holiday Allowances To Stay Financially Healthy After Eid
Try to change your mindset about THR
So, in general, we always consider the holiday allowance (THR) is extra money once a year to be spent during the holiday. Isn’t that right?
Try now you change your mindset, instill that THR is an alternative fund that you can use as a tool to achieve financial goals that have been prepared. This is where you will try to manage THR’s finances as well as possible, not too spree with these funds.
Record priorities
Don’t hesitate to make a priority note of what you will do with THR funds. Write down what you want to do and buy. So, again, is buying clothes important for now? By curating spending again, you will find out what priorities are for the holiday allowance fund.
Pay zakat and alms
Muslims are obliged to pay zakat al-Fitr and zakat mal. You can allocate a holiday allowance of 5-10% to pay zakat and alms.
Reporting from the National Amil Zakat Agency (Baznas), Muslims are obliged to issue zakat in the amount of 2.5% of income. As for zakat al-Fitr, which must be issued per person in the amount of 2.5 kg or can be with money worth the price of rice you consume.
Pay off debt
This THR fund is an additional income, so take advantage of it to pay obligations that can ease your financial burden. One of them is paying off debt. Allocate funds in the amount of 30-50% to repay debts. But, back again how much your total debt.
In the future, hopefully you can reduce consumptive debt and can control not to owe except for productive and emergency needs.
Needs during Eid
Lebaran 2026 this time, the cost of going home was cut along with the government’s appeal to prohibit going home. So, make a note of what you want to buy. Like groceries for the holidays, buying clothes for the kids and paying thr for a housekeeper.
Allocate 10-20% to meet the needs during Eid 2026.
Set aside for the development of funds
The trimmed homecoming fee you can allocate to develop funds in fintech funding. Not bad, you can set aside 10-20% for this post.
We recommend that you choose development instruments in accordance with the risk profile and do not jump on the bandwagon. Fintech funding could be the best alternative in allocating this post.
Managing holiday allowance with Fintech funding
The best way to utilize THR money is with development funds. By doing so you can manage THR to have long-term benefits.
What can you achieve by managing holiday allowances through fintech lending?
Achieving financial goals
Everyone must have financial goals. Whether it’s for education funds, home renovations, marriage funds, to financial freedom. It’s true that THR money only exists once a year, but that doesn’t mean it has to be spent all, just use this moment in order to achieve financial goals.
As a side-effect
This digital-based lending and borrowing Platform is in demand by millennials. The ease of fintech funding or P2P lending is the key to the increasing profile of lenders (funders) in the past year. Not only that, the benefits you can get are great.
As an employee, of course, fintech lending can be an alternative source of side income with all the conveniences and benefits offered.
Having money makes us feel rich. And a series of expenses began to be arranged. This has not been added to the temptation of massive discounts from e-commerce. Well, this is what makes us forget ourselves, spending all the money THR without thinking about the financial condition in the next month.
Eid 2026 is between sad that you cannot go home and happy because the holiday allowance money can still have a lot left over. Relax, it’s never too late to manage THR money. You can maximize these funds for important needs only and the rest can be managed so that you can develop your funds in fintech lending.
In order for the holiday allowance to be managed properly, you can do the smart way below. At least when Eid is over, you can feel relieved to be able to fulfill obligations and have the remaining funds to be used for positive things.
