{"id":7150,"date":"2020-06-09T15:21:42","date_gmt":"2020-06-09T08:21:42","guid":{"rendered":"https:\/\/ilovelife.co.id\/blog\/?p=7150"},"modified":"2022-08-05T08:35:32","modified_gmt":"2022-08-05T01:35:32","slug":"gaji-dipotong-atau-terkena-phk-bagaimana-cara-mengakali-anggaran-keluarga","status":"publish","type":"post","link":"https:\/\/ilovelife.co.id\/blog\/gaji-dipotong-atau-terkena-phk-bagaimana-cara-mengakali-anggaran-keluarga\/","title":{"rendered":"Gaji Dipotong atau Terkena PHK, Bagaimana Cara Mengakali Anggaran Keluarga?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7150\" data-post-id=\"16785\" data-obj-id=\"16785\" class=\"elementor elementor-7150 dce-elementor-post-16785\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b033ca4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b033ca4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-708d3cb1\" data-id=\"708d3cb1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1421198d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"1421198d\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Gaji Dipotong atau Terkena PHK, Bagaimana Cara Mengakali Anggaran Keluarga?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e84b396 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e84b396\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5fe99093\" data-id=\"5fe99093\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-591d0069 elementor-widget elementor-widget-text-editor\" data-id=\"591d0069\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Apakah penghasilanmu berkurang, bisnis merosot, gaji dipotong, atau terkena PHK? Berikut cara mengakali anggaran keluarga untuk mengatasinya.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-218d5c0c\" data-id=\"218d5c0c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7da79bb9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7da79bb9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-669942a4\" data-id=\"669942a4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ae160bc elementor-align-left elementor-tablet-align-left elementor-widget elementor-widget-post-info\" data-id=\"7ae160bc\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-923bafb elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"elementor-avatar\" src=\"https:\/\/secure.gravatar.com\/avatar\/c449bd2a070e4dbcc21684bae694aa341fb58ff2988b8e3a57f441a111540451?s=96&amp;d=mm&amp;r=g\" alt=\"Picture of admin\" loading=\"lazy\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tadmin\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-c496674 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t|\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-c97bfc2 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>09 June 2020<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-53eaff0 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t|\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-e108f8a elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Finance<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1258c845 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1258c845\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2e0daa64\" data-id=\"2e0daa64\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-90c6fdc dce_masking-none elementor-widget elementor-widget-image\" data-id=\"90c6fdc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/elementor\/thumbs\/blog-phk-astralife-1-qwav4qv8lffgzbyp738jmj7rfkkk77kauc79bh1gg0.jpg\" title=\"cara mengakali anggaran keluarga\" alt=\"cara mengakali anggaran keluarga\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9c2244 elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a9c2244\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6102ea1d\" data-id=\"6102ea1d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-452c1242 elementor-align-left elementor-tablet-align-left elementor-widget elementor-widget-post-info\" data-id=\"452c1242\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-923bafb elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"elementor-avatar\" src=\"https:\/\/secure.gravatar.com\/avatar\/c449bd2a070e4dbcc21684bae694aa341fb58ff2988b8e3a57f441a111540451?s=96&amp;d=mm&amp;r=g\" alt=\"Picture of admin\" loading=\"lazy\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tadmin\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-c496674 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t|\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-c97bfc2 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>09 June 2020<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-53eaff0 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t|\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-e108f8a elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Finance<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ae8bc1c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ae8bc1c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ba48cc9\" data-id=\"2ba48cc9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41dab99 elementor-widget elementor-widget-text-editor\" data-id=\"41dab99\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kaget, sedih, stres. Mungkin ini yang dirasakan 150.000 orang yang terkena PHK selama pandemi (Kementerian Tenaga Kerja,\u00a0<em>Kontan<\/em>, 2020). Kalau kamu adalah salah satunya, turut simpati dengan apa yang kamu alami. Tapi, ini bukan akhir. Dalam finansial, ada beberapa strategi yang kamu bisa coba\u00a0sebagai cara\u00a0mengakali anggaran keluarga setelah penghasilan berkurang, bisnis merosot, gaji dipotong, atau terkena PHK.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-35530e21 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"35530e21\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a71327c\" data-id=\"7a71327c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31a81c32 elementor-widget elementor-widget-heading\" data-id=\"31a81c32\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cara Mengakali Anggaran Keluarga saat Pemasukan Berkurang\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5be95998 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5be95998\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6229f4a4\" data-id=\"6229f4a4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-471a7f2d elementor-widget elementor-widget-heading\" data-id=\"471a7f2d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Restrukturisasi cicilan\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-74736146 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74736146\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-34d21ab7\" data-id=\"34d21ab7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-108dd992 elementor-widget elementor-widget-text-editor\" data-id=\"108dd992\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Untuk berhemat, kamu dapat menempuh strategi restrukturisasi cicilan untuk bertahan dalam kondisi saat ini. Restrukturisasi kredit merupakan suatu upaya perbaikan yang dilakukan bank dalam kegiatan perkreditan terhadap debitur yang sedang mengalami kesulitan untuk memenuhi kewajiban pembayaran angsuran kreditnya. Restrukturisasi cicilan ini bisa dilakukan,<strong>\u00a0<em>pertama,<\/em><\/strong>\u00a0dengan memperpanjang tenor sehingga cicilan yang harus dibayar setiap bulan berkurang. Cara\u00a0<strong><em>kedua<\/em><\/strong>, kamu bisa mengajukan penyusutan kredit, misalnya mengajukan penurunan bunga. Jika bank atau lembaga pembiayaan tempat kamu mengajukan kredit tidak mengabulkan keringanan bunga atau restrukturisasi, kamu bisa melakukan cara mengakali anggaran keluarga selanjutnya, yakni\u00a0<em>refinancing<\/em>\u00a0atau\u00a0<em>balance transfer<\/em>.<\/p><p><em>Refinancing<\/em>\u00a0atau\u00a0<em>balance transfer<\/em>\u00a0ialah strategi mengganti utang berbunga besar dengan utang berbunga kecil. Kamu bisa mencari pinjaman baru dari bank atau lembaga pembiayaan lain yang bersedia memberikan bunga lebih rendah dari yang kamu miliki saat ini.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9b4e510 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9b4e510\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e8c554\" data-id=\"1e8c554\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3fe1c77 elementor-widget elementor-widget-heading\" data-id=\"3fe1c77\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Buat daftar pengeluaran tetap dan pengeluaran variabel\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ff4d276 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ff4d276\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20a1e61\" data-id=\"20a1e61\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee39006 elementor-widget elementor-widget-text-editor\" data-id=\"ee39006\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Setelah restrukturisasi kredit, cara mengakali anggaran keluarga yang bisa\u00a0kamu lakukan ialah dengan membuat daftar pengeluaran tetap dan pengeluaran tidak tetap atau variabel setiap bulan. Yang termasuk pengeluaran tetap bulanan di sini misalnya uang sekolah anak dan cicilan kredit, seperti kredit pemilikan rumah (KPR), kredit pemilikan mobil (KKB), atau kredit kartu kredit. Sementara pengeluaran tidak tetap, misalnya biaya makan, transportasi, tagihan listrik, air, internet, pembayaran pajak mulai dari pajak penghasilan, pajak bumi dan bangunan, biaya masuk sekolah, dan sebagainya.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-46766e78 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46766e78\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5495c836\" data-id=\"5495c836\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18dccf3e elementor-widget elementor-widget-text-editor\" data-id=\"18dccf3e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Baca Juga: <a class=\"post-title\" title=\"3 Alasan Asuransi Jiwa Makin Penting saat Pandemi COVID-19\" href=\"https:\/\/ilovelife.co.id\/blog\/3-alasan-asuransi-jiwa-makin-penting-saat-pandemi-covid-19\/\">3 Alasan Asuransi Jiwa Makin Penting saat Pandemi COVID-19<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0945277 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0945277\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b2e71d2\" data-id=\"b2e71d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e935718 elementor-widget elementor-widget-heading\" data-id=\"e935718\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Cek sumber pemasukan\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5a4d408 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a4d408\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-71e9bdb\" data-id=\"71e9bdb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-583c04e elementor-widget elementor-widget-text-editor\" data-id=\"583c04e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Setelah menyusun pengeluaran, kini saatnya membuat daftar sumber pemasukan keluarga. Boleh jadi, selama ini kamu merupakan keluarga dengan dua sumber pemasukan, alias\u00a0<em>double income<\/em>. Sehingga, jika salah satu pasangan mengalami pemotongan gaji atau PHK, maka masih ada sumber pemasukan dari pasangan yang lain.<\/p><p>Selain dari pasangan, yang juga menjadi sumber pemasukan ialah penghasilan dari bisnis atau pekerjaan sampingan. Atau, sumber pemasukan lain ini bisa juga berasal dari dividen saham, jasa sewa seperti kos-kosan, rumah kontrakan, atau rental mobil.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2fb1d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fb1d85\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a7bd4aa\" data-id=\"a7bd4aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-757009f elementor-blockquote--skin-border elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote\" data-id=\"757009f\" data-element_type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tCobalah kendalikan pengeluaran, khususnya pengeluaran variabel, di mana jumlah yang kamu keluarkan bisa berkurang jika melakukan penghematan, seperti biaya makan, belanja bulanan, air, dan listrik.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3406905 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3406905\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-84aec68\" data-id=\"84aec68\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9be5645 elementor-widget elementor-widget-heading\" data-id=\"9be5645\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Kalkulasi antara pemasukan dengan pengeluaran\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b53e80 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b53e80\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-300ad6d\" data-id=\"300ad6d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c165e0 elementor-widget elementor-widget-text-editor\" data-id=\"7c165e0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sekarang, saatnya menghitung total pemasukan bulanan dan pengeluaran bulanan. Apakah pemasukan saat ini masih bisa menutup pengeluaran bulanan? Apakah masih ada surplus yang masih bisa ditabung? Atau bahkan defisit, alias pemasukan tidak cukup untuk menutupi pengeluaran? Agar pemasukan kamu dapat menutup pengeluaran dan bahkan bisa menciptakan surplus untuk ditabung, mari simak beberapa cara mengakali anggaran keluarga berikutnya.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8904f8d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8904f8d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3299360\" data-id=\"3299360\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e5cecab elementor-widget elementor-widget-text-editor\" data-id=\"e5cecab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Baca Juga: <a href=\"https:\/\/ilovelife.co.id\/blog\/5-ide-games-anak-tanpa-di-print-supaya-tetap-seru\/\" target=\"_blank\" rel=\"noopener\" data-gc-link=\"https:\/\/ilovelife.co.id\/blog\/5-ide-games-anak-tanpa-di-print-supaya-tetap-seru\/\">5 Ide Games Anak Tanpa Perlu di-Print Supaya Tetap Seru Walaupun #DiRumahAja<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-57c0da9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"57c0da9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a0b68d\" data-id=\"7a0b68d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd63972 elementor-widget elementor-widget-heading\" data-id=\"bd63972\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5. Kendalikan pengeluaran\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bc1cc22 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc1cc22\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e2b1451\" data-id=\"e2b1451\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c22bef3 elementor-widget elementor-widget-text-editor\" data-id=\"c22bef3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cobalah kendalikan pengeluaran, khususnya pengeluaran variabel, di mana jumlah yang kamu keluarkan bisa berkurang jika melakukan penghematan, seperti biaya makan, belanja bulanan, air, dan listrik. Masak sendiri ketimbang beli makanan jadi akan menghemat banyak pengeluaran. Kamu juga bisa memotong beberapa pengeluaran berdasarkan skala prioritas. Berhubung gaji berkurang, maka sudah selayaknya kamu \u201cpuasa\u201d dulu dari kegiatan tersier, misalnya biaya berlangganan\u00a0<em>streaming,\u00a0<\/em>biaya transportasi dan budget traveling. Lalu, karena ada kebijakan\u00a0<em>physical distancing<\/em>, kamu juga bisa meniadakan beberapa biaya terkait dengan kebijakan tersebut, misalnya berlangganan\u00a0<em>gym<\/em>\u00a0atau kolam renang. Sebagai gantinya, kamu masih tetap bisa menjaga kebugaran tubuh dengan berolahraga di rumah dengan panduan Youtube.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b5d2232 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b5d2232\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cfd995c\" data-id=\"cfd995c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fdcb0b0 elementor-widget elementor-widget-heading\" data-id=\"fdcb0b0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">6. Ubah anggaran bulanan\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50185e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"50185e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3eccaba\" data-id=\"3eccaba\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aa1bd78 elementor-widget elementor-widget-text-editor\" data-id=\"aa1bd78\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kamu juga bisa melakukan beberapa perubahan pengeluaran di beberapa pos. Contoh, untuk biaya internet, kamu bisa memperkecil biaya kuota di\u00a0<em>mobile phone<\/em>\u00a0dan memfokuskan anggaran untuk berlangganan WiFi selama masa karantina. Kamu juga bisa mengganti beberapa biaya tersier untuk kebutuhan lain, misal biaya nonton bioskop, dipakai untuk menambah porsi dana darurat. Dengan begitu, kamu dan keluarga bisa \u201cbernapas\u201d lebih lama.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-61c1cee5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"61c1cee5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6459150c\" data-id=\"6459150c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78cd933c elementor-blockquote--skin-border elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote\" data-id=\"78cd933c\" data-element_type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tJika kamu kesulitan membayar premi asuransi, jangan buru-buru mematikan polis asuransi. \t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8652f4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8652f4c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f7e18dd\" data-id=\"f7e18dd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a9b84db elementor-widget elementor-widget-heading\" data-id=\"a9b84db\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">7. Cek dana darurat\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ca317eb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ca317eb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f1165ca\" data-id=\"f1165ca\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6566beb elementor-widget elementor-widget-text-editor\" data-id=\"6566beb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Di tengah situasi sulit seperti ini, kamu sebaiknya tidak berutang atau menambah utang baru. Ketimbang mengambil utang baru, lebih baik gunakan dana darurat untuk menyambung hidup sampai kondisi normal kembali. Karena itu, pastikan dana darurat cukup untuk memenuhi pengeluaran selama 6-9 kali jika kamu sudah berkeluarga, atau 3-6 kali jika kamu masih lajang. Di mana dana darurat ini ditempatkan? Pastikan menempatkannya di produk keuangan yang mudah dicairkan, seperti rekening tabungan, deposito, tabungan berjangka, atau emas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a114dec elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a114dec\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ca92be\" data-id=\"3ca92be\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b997c24 elementor-widget elementor-widget-heading\" data-id=\"b997c24\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">8. Coba menambah penghasilan\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f13a61e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f13a61e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b95ad5c\" data-id=\"b95ad5c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f9602b6 elementor-widget elementor-widget-text-editor\" data-id=\"f9602b6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Untuk menambah arus kas masuk, tak ada salahnya mencoba menambah penghasilan dengan mencari pekerjaan baru atau melakukan bisnis atau<em>\u00a0<\/em>pekerjaan sampingan. Saat orang berkegiatan di rumah saja seperti sekarang ini, ada beberapa peluang usaha yang bisa kamu jajaki. Misalnya bisnis katering, kurir, pembuatan atau jualan masker, jasa edit foto dan video, dan masih banyak lagi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65583e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65583e8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2a0fda0\" data-id=\"2a0fda0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7baf286 elementor-widget elementor-widget-heading\" data-id=\"7baf286\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">9. Kalkulasi benefit yang dimiliki\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4e36c64 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4e36c64\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f2ff2b2\" data-id=\"f2ff2b2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-33a4911 elementor-widget elementor-widget-text-editor\" data-id=\"33a4911\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sesudah mengatur arus kas,\u00a0cara mengakali anggaran keluarga berikutnya ialah memeriksa asuransi yang kamu miliki, apakah manfaat yang ditawarkan mencukupi kebutuhanmu saat ini atau tidak. Di masa pandemi seperti ini, penting untuk kamu dan keluarga tercinta terlindungi dari risiko finansial akibat sakit, termasuk COVID-19. Jangan sampai, nih, sudah gaji dipotong dan kena PHK, malah harus keluar banyak biaya jika jatuh sakit. Jika polis asuransimu belum memberikan perlindungan tersebut, segera hubungi agen asuransi untuk mencari produk yang tepat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-42468c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42468c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a3783f5\" data-id=\"a3783f5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ae7979 elementor-widget elementor-widget-text-editor\" data-id=\"2ae7979\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Baca Juga: <a href=\"https:\/\/ilovelife.co.id\/blog\/cara-work-home-yang-efisien-untuk-keluarga-begini-tipsnya\/?utm_source=ilovelife.co.id&amp;utm_medium=referral&amp;utm_campaign=ilovelifehomepage\" target=\"_blank\" rel=\"noopener\" data-gc-link=\"https:\/\/ilovelife.co.id\/blog\/cara-work-home-yang-efisien-untuk-keluarga-begini-tipsnya\/?utm_source=ilovelife.co.id&amp;utm_medium=referral&amp;utm_campaign=ilovelifehomepage\">Cara Work From Home Yang Efisien untuk Keluarga, Begini Tipsnya<\/a>\u00a0<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0d51166 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d51166\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f0b9f57\" data-id=\"f0b9f57\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b358b29 elementor-widget elementor-widget-heading\" data-id=\"b358b29\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">10. Menyesuaikan periode pembayaran asuransi\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-781b19c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"781b19c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-51f6790\" data-id=\"51f6790\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9893ff6 elementor-widget elementor-widget-text-editor\" data-id=\"9893ff6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Jika kamu kesulitan membayar premi asuransi, jangan buru-buru mematikan polis asuransi.\u00a0<strong><em>Pertama<\/em><\/strong>, pelajari. Apakah produk asuransi yang kamu punya memiliki fitur untuk mengubah periode pembayaran? Saat ini, ada asuransi fleksibel yang memungkinkan kamu mengatur sendiri premi sesuai kebutuhan. Jadi, kamu bisa meningkatkan atau menurunkan premi sesuai dengan kemampuan finansialmu. Contoh, asuransi jiwa\u00a0<a href=\"https:\/\/ilovelife.co.id\/products\/product-life\/801?utm_source=blog&amp;utm_medium=article&amp;utm_campaign=phkpandemi\" target=\"_blank\" rel=\"noopener\" data-gc-link=\"https:\/\/ilovelife.co.id\/products\/product-life\/801?utm_source=blog&amp;utm_medium=article&amp;utm_campaign=phkpandemi\"><strong>Flexi Life<\/strong><\/a>\u00a0dan asuransi penyakit kritis\u00a0<a href=\"https:\/\/ilovelife.co.id\/products\/product-critical-illness\/1694?utm_source=blog&amp;utm_medium=article&amp;utm_campaign=phkpandemi\" target=\"_blank\" rel=\"noopener\" data-gc-link=\"https:\/\/ilovelife.co.id\/products\/product-critical-illness\/1694?utm_source=blog&amp;utm_medium=article&amp;utm_campaign=phkpandemi\"><strong>Flexi Critical Illness<\/strong><\/a>.<\/p><p>Strategi\u00a0<strong><em>kedua<\/em><\/strong>\u00a0yang bisa kamu lakukan ketika kesulitan membayar premi ialah dengan melakukan cuti premi. Jika kamu nasabah\u00a0<em>unit link<\/em>\u00a0dengan keikutsertaan lebih dari tujuh tahun, biasanya polis asuransimu sudah membentuk nilai tunai. Saat ekonomi sedang tidak memungkinkan untuk membayar premi secara tunai, kamu bisa membayarnya dengan nilai tunai yang terbentuk dari investasi\u00a0<em>unit link<\/em>. Ini yang dinamakan cuti premi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-96c5f24 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"96c5f24\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-94af34b\" data-id=\"94af34b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ce1fb19 elementor-widget elementor-widget-text-editor\" data-id=\"ce1fb19\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><em>Ketiga,<\/em><\/strong>\u00a0kamu juga bisa mengajukan perubahan sistem pembayaran, misalnya dari bulanan menjadi kuartalan atau tahunan. Lalu\u00a0<strong><em>keempat<\/em><\/strong>, kamu bisa mengajukan perubahan cara pembayaran dari otodebit menjadi transfer manual.<\/p><p>Dengan\u00a0cara mengakali\u00a0anggaran keluarga di atas, semoga kamu tetap semangat dan tidak putus asa setelah gaji dipotong atau terkena PHK. Ini memang masa-masa sulit. Tapi kamu tidak sendiri. Ayo bangkit.\u00a0<a href=\"https:\/\/instagram.com\/astralifeid\" target=\"_blank\" rel=\"noopener\" data-gc-link=\"https:\/\/instagram.com\/astralifeid\"><strong>#iGotYourBack<\/strong><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-60f085c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"60f085c2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3224c367\" data-id=\"3224c367\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-26569c11 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"26569c11\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"69\" height=\"21\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/07\/separator.png\" class=\"attachment-large size-large wp-image-1606\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d334301 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d334301\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2de23636\" data-id=\"2de23636\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e54cf70 elementor-widget elementor-widget-text-editor\" data-id=\"6e54cf70\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6>Artikel Lainnya<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-458095eb\" data-id=\"458095eb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-42b38d0c elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-post-info\" data-id=\"42b38d0c\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-3712cf5 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Finance<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f44c8c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f44c8c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3716994d\" data-id=\"3716994d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c756d73 elementor-hidden-phone elementor-hidden-tablet elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-posts--show-avatar elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"6c756d73\" data-element_type=\"widget\" data-settings=\"{&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:30,&quot;sizes&quot;:[]},&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-17225 post type-post status-publish format-standard has-post-thumbnail category-asuransi category-keluarga category-tips-finansial tag-asuransi-jiwa tag-idul-fitri tag-keluarga tag-lebaran tag-liburan czr-hentry\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ilovelife.co.id\/blog\/thr-habis-dalam-seminggu-ini-cara-agar-lebaran-tidak-mengganggu-keuangan-tahunan-kamu\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2026\/03\/THR-uang.jpg\" class=\"attachment-large size-large wp-image-17229\" alt=\"\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Asuransi<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/secure.gravatar.com\/avatar\/1356803a57279903646f17dc09fafe6ea9537d9229577f5ee29078387921204d?s=128&#038;d=mm&#038;r=g\" width=\"128\" height=\"128\" alt=\"Zeidan Afriza\" class=\"avatar avatar-128 wp-user-avatar wp-user-avatar-128 photo avatar-default\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h2 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/thr-habis-dalam-seminggu-ini-cara-agar-lebaran-tidak-mengganggu-keuangan-tahunan-kamu\/\" >\n\t\t\t\tTHR Habis dalam Seminggu? Ini Cara Agar Lebaran Tidak Mengganggu Keuangan Tahunan Kamu\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Sering merasa uang THR yang ditunggu selama setiap tahun dengan<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tZeidan Afriza\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t11 March 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-17184 post type-post status-publish format-standard has-post-thumbnail category-aksi-lovelife category-asuransi category-mind tag-astra-life-donasi tag-asuransi-syariah tag-bulan-ramadan tag-csr tag-flexi-life-syariah czr-hentry\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ilovelife.co.id\/blog\/ruang-kelas-sd-rusak-donasi-ramadan-3t\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2026\/03\/Image-Blog-atas-2.jpg\" class=\"attachment-large size-large wp-image-17199\" alt=\"\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Aksi Lovelife<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/11\/IMG_1374-150x150.jpg\" width=\"128\" height=\"128\" alt=\"Sari Pranoto\" class=\"avatar avatar-128 wp-user-avatar wp-user-avatar-128 alignnone photo\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h2 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/ruang-kelas-sd-rusak-donasi-ramadan-3t\/\" >\n\t\t\t\t60% Ruang Kelas SD Rusak: Ramadan Jadi Momentum Donasi Pendidikan Lewat Asuransi Syariah\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Ramadan selalu identik dengan kepedulian. Bulan di mana banyak orang<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tSari Pranoto\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t3 March 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-17153 post type-post status-publish format-standard has-post-thumbnail category-asuransi category-keluarga category-pola-makan-sehat category-tips-kesehatan tag-asuransi-jiwa-syariah tag-bulan-puasa tag-flexi-life-syariah tag-kesehatan-tubuh tag-puasa tag-ramadan tag-ramadhan czr-hentry\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ilovelife.co.id\/blog\/bulan-ramadan-jadi-momen-reset-hidup-yang-lebih-sehat\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2026\/02\/Untitled-design-1.jpg\" class=\"attachment-large size-large wp-image-17156\" alt=\"ramadan hidup sehat dengan pola makan seimbang\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Asuransi<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/11\/20200409_125335-e1605249982104-150x150.jpg\" width=\"128\" height=\"128\" alt=\"Dr. Tengku Raya Sharin\" class=\"avatar avatar-128 wp-user-avatar wp-user-avatar-128 alignnone photo\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h2 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/bulan-ramadan-jadi-momen-reset-hidup-yang-lebih-sehat\/\" >\n\t\t\t\tBulan Ramadan Jadi momen Reset Hidup Yang Lebih Sehat\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Ramadan bukan sekadar menahan lapar, tetapi momentum untuk melatih disiplin<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tDr. Tengku Raya Sharin\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t18 February 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-17130 post type-post status-publish format-standard has-post-thumbnail category-asuransi category-health category-tips-kesehatan tag-asuransi-dasar tag-asuransi-kesehatan tag-flexi-hospital-surgical tag-gagal-ginjal tag-kesehatan-tubuh tag-sistem-pembuangan-tubuh czr-hentry\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ilovelife.co.id\/blog\/pola-hidup-untuk-menjaga-sistem-ekskresi-pada-tubuh-kita\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2026\/02\/Image-Blog-2026-1.jpg\" class=\"attachment-large size-large wp-image-17136\" alt=\"Sistem Ekskresi Tubuh Organ Ginjal Sistem Pembuangan Tubuh\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Asuransi<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/11\/2019_1116_23275900-02-150x150.jpeg\" width=\"128\" height=\"128\" alt=\"Dessy Wulandari\" class=\"avatar avatar-128 wp-user-avatar wp-user-avatar-128 alignnone photo\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h2 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/pola-hidup-untuk-menjaga-sistem-ekskresi-pada-tubuh-kita\/\" >\n\t\t\t\tPola Hidup Untuk Menjaga Sistem Ekskresi Pada Tubuh Kita\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Sistem ekskresi berperan penting dalam membuang zat sisa metabolisme dan<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tDessy Wulandari\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t3 February 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-16947 post type-post status-publish format-standard has-post-thumbnail category-finance category-tips-finansial tag-asuransi-dwiguna tag-asuransi-jiwa tag-berhemat tag-flexi-saving tag-frugal-living tag-tips-finansial tag-tips-keuangan tag-warren-buffett czr-hentry\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ilovelife.co.id\/blog\/tips-frugal-living-untuk-generasi-muda-produktif\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/12\/Tips-Frugal-Living-1024x536.jpg\" class=\"attachment-large size-large wp-image-16948\" alt=\"Tips frugal living\" srcset=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/12\/Tips-Frugal-Living-1024x536.jpg 1024w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/12\/Tips-Frugal-Living-300x157.jpg 300w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/12\/Tips-Frugal-Living-768x402.jpg 768w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/12\/Tips-Frugal-Living.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Finance<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/11\/2019_1116_23275900-02-150x150.jpeg\" width=\"128\" height=\"128\" alt=\"Dessy Wulandari\" class=\"avatar avatar-128 wp-user-avatar wp-user-avatar-128 alignnone photo\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h2 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/tips-frugal-living-untuk-generasi-muda-produktif\/\" >\n\t\t\t\tTips Frugal Living Untuk Generasi Muda Produktif\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Frugal living,\u00a0 gaya hidup baru bagi sebagian orang khususnya untuk<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tDessy Wulandari\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t28 December 2023\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-16785 post type-post status-publish format-standard has-post-thumbnail category-finance tag-keuangan tag-literasi-keuangan tag-seminar czr-hentry\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ilovelife.co.id\/blog\/seminar-literasi-keuangan-masyarakat-ponorogo\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-1024x576.png\" class=\"attachment-large size-large wp-image-16802\" alt=\"\" srcset=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-1024x576.png 1024w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-300x169.png 300w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-768x432.png 768w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-1536x864.png 1536w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-1110x624.png 1110w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-528x297.png 528w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Finance<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/11\/IMG_1374-150x150.jpg\" width=\"128\" height=\"128\" alt=\"Sari Pranoto\" class=\"avatar avatar-128 wp-user-avatar wp-user-avatar-128 alignnone photo\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h2 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/seminar-literasi-keuangan-masyarakat-ponorogo\/\" >\n\t\t\t\tSeminar Literasi Keuangan Bersama Masyarakat Ponorogo\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Astra Life menjalankan amanah dengan meberikan paket sembako serta seminar<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tSari Pranoto\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t2 August 2023\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c322d9c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c322d9c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2587c9b1\" data-id=\"2587c9b1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-208300f0 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"208300f0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/finance\/\" rel=\"\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"383\" height=\"77\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/08\/button_lihat-semua-artikel.png\" class=\"attachment-large size-large wp-image-1591\" alt=\"\" srcset=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/08\/button_lihat-semua-artikel.png 383w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/08\/button_lihat-semua-artikel-300x60.png 300w\" sizes=\"(max-width: 383px) 100vw, 383px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1720dbb4 elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1720dbb4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-100a41ed\" data-id=\"100a41ed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef8f96 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"ef8f96\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1131\" height=\"436\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/07\/dummy-banner.jpg\" class=\"attachment-full size-full wp-image-1607\" alt=\"\" srcset=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/07\/dummy-banner.jpg 1131w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/07\/dummy-banner-300x116.jpg 300w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/07\/dummy-banner-1024x395.jpg 1024w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/07\/dummy-banner-768x296.jpg 768w\" sizes=\"(max-width: 1131px) 100vw, 1131px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-7e6bf41b elementor-section-stretched elementor-hidden-tablet elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e6bf41b\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-368e939a\" data-id=\"368e939a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-a5b0765\" data-id=\"a5b0765\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-158bd508 elementor-widget elementor-widget-text-editor\" data-id=\"158bd508\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tentang &#8211;<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1589\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/08\/logo_lovelife-daily.png\" alt=\"\" width=\"140\" height=\"75\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-5def3e9e\" data-id=\"5def3e9e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-332e9121 elementor-widget elementor-widget-text-editor\" data-id=\"332e9121\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kami menghadirkan cerita dan kisah hidup yang inspiratif serta tips terbaik untuk menyadarkan kita agar terus mencintai hidup.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-66867b22\" data-id=\"66867b22\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-546f2f23 elementor-nav-menu__align-center elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"546f2f23\" data-element_type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-none\">\n\t\t\t\t<ul id=\"menu-1-546f2f23\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1492\"><a href=\"https:\/\/ilovelife.co.id\/blog\/health\/\" class=\"elementor-item\">Health<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1493\"><a href=\"https:\/\/ilovelife.co.id\/blog\/mind\/\" class=\"elementor-item\">Mind<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1494\"><a href=\"https:\/\/ilovelife.co.id\/blog\/life\/\" class=\"elementor-item\">Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1495\"><a href=\"https:\/\/ilovelife.co.id\/blog\/finance\/\" class=\"elementor-item\">Finance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-8005\"><a href=\"https:\/\/ilovelife.co.id\/blog\/insurance-101\/\" class=\"elementor-item\">Insurance 101<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12645\"><a href=\"https:\/\/ilovelife.co.id\/blog\/sandwich-gen\/\" class=\"elementor-item\">Better Sandwich Generation<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1496\"><a href=\"https:\/\/ilovelife.co.id\/blog\/contributors\/\" class=\"elementor-item\">Contributors<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-546f2f23\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1492\"><a href=\"https:\/\/ilovelife.co.id\/blog\/health\/\" class=\"elementor-item\" tabindex=\"-1\">Health<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1493\"><a href=\"https:\/\/ilovelife.co.id\/blog\/mind\/\" class=\"elementor-item\" tabindex=\"-1\">Mind<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1494\"><a href=\"https:\/\/ilovelife.co.id\/blog\/life\/\" class=\"elementor-item\" tabindex=\"-1\">Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1495\"><a href=\"https:\/\/ilovelife.co.id\/blog\/finance\/\" class=\"elementor-item\" tabindex=\"-1\">Finance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-8005\"><a href=\"https:\/\/ilovelife.co.id\/blog\/insurance-101\/\" class=\"elementor-item\" tabindex=\"-1\">Insurance 101<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12645\"><a href=\"https:\/\/ilovelife.co.id\/blog\/sandwich-gen\/\" class=\"elementor-item\" tabindex=\"-1\">Better Sandwich Generation<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1496\"><a href=\"https:\/\/ilovelife.co.id\/blog\/contributors\/\" class=\"elementor-item\" tabindex=\"-1\">Contributors<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-7e935397\" data-id=\"7e935397\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-90c837f elementor-section-stretched elementor-hidden-tablet elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"90c837f\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-33d5cc62\" data-id=\"33d5cc62\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-37c80cc8\" data-id=\"37c80cc8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4213f85e elementor-widget elementor-widget-text-editor\" data-id=\"4213f85e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Terus Dapatkan Inspirasi, Subscribe Sekarang!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-7d837cf6 elementor-section-stretched elementor-hidden-tablet elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d837cf6\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1e8c48b\" data-id=\"1e8c48b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2e01e04b\" data-id=\"2e01e04b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6f60aeb8\" data-id=\"6f60aeb8\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-309da103 elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"309da103\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-1008844\" href=\"https:\/\/www.instagram.com\/astralifeid\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-instagram\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-46ab34e\" href=\"https:\/\/www.facebook.com\/AstraLifeID\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-facebook\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-twitter elementor-repeater-item-da5b6bc\" href=\"https:\/\/twitter.com\/astralifeid\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Twitter<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-twitter\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-youtube elementor-repeater-item-04135c8\" href=\"https:\/\/www.youtube.com\/channel\/UCIpsw3Kfp3dWNcVig4dYG_w\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Youtube<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-youtube\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-f408675\" href=\"https:\/\/www.linkedin.com\/company\/astralife\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-2503b47e elementor-section-stretched elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2503b47e\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-1ed52aa\" data-id=\"1ed52aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-131b514d\" data-id=\"131b514d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38678330 elementor-widget elementor-widget-text-editor\" data-id=\"38678330\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tentang &#8211;<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1589\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/08\/logo_lovelife-daily.png\" alt=\"\" width=\"140\" height=\"75\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-2f0eaa3a\" data-id=\"2f0eaa3a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-2deb5203\" data-id=\"2deb5203\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1391d773 elementor-widget elementor-widget-text-editor\" data-id=\"1391d773\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kami menghadirkan cerita dan kisah hidup yang inspiratif serta tips terbaik untuk menyadarkan kita agar terus mencintai hidup.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-7a9d2932\" data-id=\"7a9d2932\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-721e050b elementor-section-stretched elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"721e050b\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3d59b952\" data-id=\"3d59b952\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1ebbf0 elementor-widget elementor-widget-text-editor\" data-id=\"a1ebbf0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Terus Dapatkan Inspirasi, Subscribe Sekarang!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-79d49d55 elementor-section-stretched elementor-hidden-desktop elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"79d49d55\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-74d3b457\" data-id=\"74d3b457\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4f60a40 elementor-section-stretched elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f60a40\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div 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Berikut cara mengakali anggaran keluarga untuk mengatasinya. Kaget, sedih, stres. Mungkin ini yang dirasakan 150.000 orang yang terkena PHK selama pandemi (Kementerian Tenaga Kerja,\u00a0Kontan, 2020). Kalau kamu adalah salah satunya, turut simpati dengan apa yang kamu alami. Tapi, ini bukan akhir. Dalam finansial, ada beberapa [&hellip;]<\/p>\n","protected":false},"author":65,"featured_media":7151,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[46,94,96,113,191,225],"class_list":{"0":"post-7150","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance","8":"tag-asuransi-keluarga","9":"tag-flexi-critical-illness","10":"tag-flexi-life","11":"tag-igotyourback","12":"tag-perencanaan-keuangan","13":"tag-tips-finansial","14":"czr-hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Gaji Dipotong atau Terkena PHK, Bagaimana Cara Mengakali Anggaran Keluarga?<\/title>\n<meta name=\"description\" content=\"Apakah penghasilanmu berkurang, bisnis merosot, gaji dipotong, atau terkena PHK? 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