by Hanzky — Monday, March 29th, 2010 at 8:35 am
in Shopping and tagged with Financial Tips, Ligwina Hananto
Uh oh…this is a topic that we’ve tried hard to avoid eventhough we do realize that sometimes, we need that slap in the face to get us back to reality and double check if we have lived within our means all along.
Ligwina Hananto is just the right person to talk about shopping budget and financial matters. She is the CEO of QMFinancial , she blogs regularly about anything that has to do with money spending and saving and..she loves shopping too, just like the rest of us, so she can understand us 
.
If you follow her twitter @mrshananto, you already know that she is very chatty, active and blunt. I had a chance to listen to her presentation at Ignite Jakarta night not too long ago, her confidence and enthusiasm captivated me and the rest of the audience.. She also made us think that maybe..maybe we’re not that secured financially as we once thought.
So here you ago, a quick chat with her:
Shopping dan lifestyle bukan prioritas jadi dilihat dari sisa yang ada. 10-30% dari penghasilan –> Investasi.
Maksimal 30% –> Cicilan hutang. Baru sisanya untuk pengeluaran rutin dan kalau masih ada sisanya bisa dipakai untuk shopping.
You deserve Rp 10 million Louis Vuitton bag when you deserve it . Use common sense and let the number speak to you. Ada orang menabung 1 juta per bulan, dalam 10 bulan dia bisa beli LV bag nya, silahkan aja tapi gue pengen tau, selain nabung 1 juta per bulan demi sebuah tas, apakah dia investasi juga untuk dana pendidikan anaknya, untuk pensiunnya, untuk rumahnya?
Kalau 1 juta per bulan untuk tas aja, berarti untuk dana darurat, dana pendidikan, dana pensiun juga udah jalan juga dong ya, mungkin Rp 5 juta per bulan? Jadi total 6 juta per bulan? Artinya, gaji paling nggak udah 30 juta ya?
Base on that logic, I’m not easily impressed by those who earn less than Rp 30 million, been working for less than 5 years and carry an LV bag 
, karena takutnya LV bag punya tapi tabungan gak punya boro-boro dana pensiun.
So for those who carry LV bag and are in good financial condition, well done!
Yes I am ;p
I’m a terrible shopper! I’m price insensitive! Kalo ada yang gue suka, beli aja gak lihat harganya lagi, gak bisa bandingin murah dengan mahal . Tapi kalo gak ada duitnya gw gak akan beli, jadi walaupun gue shopaholic, gue hanya belanja kalo ada duitnya. Dan yang pasti gue gak pernah berani belanja sendirian hahahahahah pasti gue akan minta diantar suami gue, the most sensible man that he is
The longest period I had abstained for shopping was two months. Gue menyebutnya black period. Periode gak punya pengeluaran lifestyle. Ini seperti ‘detox’ untuk orang yang memang kondisi keuangannya nggak sehat karena hanya dengan cara ini kita bisa reset dulu kondisi keuangan yang sudah payah sekali. Periode ini artinya gak naik taxi, seminimal mungkin pake handphone, bawa bekal, langsung pulang gak kelayapan, gak belanja, gak beli majalah, nothing, zip! Nggak enak sekali, tapi jadi bisa bikin kita bisa hidup tanpa perlu jor-joran sama uang.
I dont ever want to go through that again. Every now and then I still recommend people to try ‘black period’
No
Fashion changes all the time. Some fashion items have been included in our clients financial reports but only so very few. Hermes Birkin bag is one of them, also Patek Phillipe watch, Tiffany or Harry Winston jewelry.
Vintage items are not in the list yet, unless you know the sentimental value of the vintage item then it can be included as asset but this is highly subjective, eg. Marilyn Monroe dress VS Krisdayanti dress
Provided that your financial condition is healthy, you can determine your own reward. Seharusnya kita sudah tahu ada daftar pengeluaran panjang setiap tahun (asuransi, STNK, pajak, zakat, hari raya, dll), jadi seharusnya sudah bisa juga menentukan berapa untuk liburan + belanja yang seru-seru. Sebenernya gak pusing kok kalo teratur
Seriously, I’m a professional financial planner but I’m a terrible shopper. So I have a personal buyer + a travel consultant to help me shop and plan for holidays hahahahah. I can’t believe I cannot find you a list of things I refuse to spend on!
Ok that LV bag for now
I refused to buy one for myself, but I’m buying one for my mother instead. She deserves it more than I do and I think she’ll love the fact that her daughter can afford one for her. She always says to me: women should have their own income so they have the freedom to spend Hilarious right
Kebanyakan klien gue untuk makan-makan dan liburan. Kalo belanja barang sendiri, biasanya perempuan bekerja yang suaminya memang bisa fully support keluarga. Higher networth individuals have more pressure to spend on their fashion items, men and women
Taken from her blog:
So what do you do if you (still) have a shopping problem?
The STEPS to coping with shopping problem :
That’s it peeps. A new month is about to start, time to start fresh with our financial calculation. May we live comfortably within our means
Thank you for your time, Mbak Wina..:)
I gotta try this detox 
RT @fashionesedaily Blog Post: Stick to your Budget http://fdly.me/aUm44i by @mrshananto. Must read, girls!
RT @fashionesedaily: Blog Post: Stick to your Budget http://fdly.me/aUm44i by @mrshananto . Must read, girls!
I'm all for living dangerously detox coming up! RT@fashionesedaily: Blog Post: Stick to your Budget http://fdly.me/aUm44i by @mrshananto
Silahkan tertawa RT @fashionesedaily: Blog Post: Stick to your Budget http://fdly.me/aUm44i by @mrshananto . Must read, girls!
RT @mrshananto: Silahkan tertawa RT @fashionesedaily: Blog Post: Stick to your Budget http://fdly.me/aUm44i by @mrshananto . Must rea …
RT @mrshananto: Silahkan tertawa RT @fashionesedaily: Blog Post: Stick to your Budget http://fdly.me/aUm44i by @mrshananto . Must read, girls!
RT @fashionesedaily: Ligwina Hananto; Stick to Your Budget! http://bit.ly/d2rQW7
Ligwina Hananto; Stick to Your Budget! | Indonesian Fashion Spot! http://bit.ly/daV8aa
"So for those who carry LV bag and are in good financial condition, well done!" http://bit.ly/i5RwXm
Ligwina Hananto; Stick to Your Budget! http://t.co/d9lF5gcO — good article, before you go to so-called-year-end-big-sale…
Read our interview with Ligwina Hananto @mrshananto in which she shared about shopping budget and financial matters. http://t.co/WkBKpONO
Read our interview with Ligwina Hananto @mrshananto in which she shared about shopping budget and financial matters. http://t.co/WkBKpONO
Read our interview with Ligwina Hananto @mrshananto in which she shared about shopping budget and financial matters. http://t.co/WkBKpONO
RT @yasnasuwita: Pikir-pikir sebelum duit keluar itu penting. Read it!! http://t.co/Wq7EbAEd
http://t.co/1B3B5EIL @mrshananto makasih masukannya…huaaaaa…..terharuuuu
Read our interview with Ligwina Hananto @mrshananto in which she shared about shopping budget and financial matters. http://t.co/WkBKpONO
[...] Bags vs Finance Posted on February 6, 2011 by sannya Shopping Advice from a Financial Advisor [...]
Thanks, great article. Still trying to figure out my Dana Darurat first before the LV bag LOL
i adore her..
and follow some of her financial tips
have try.. gkbelanja3minggu
hard to try but worth it
thank you mrshananto
informative! berguna sekali mba hanzky dan mrs hananto.. tfs
great posting
ide BLACK PERIOD-nya bener-bener menantang. dulu pas pendapatan masi ga seberapa bisa tu. tapi sekarang…awwww
artikel yg sangat bermanfaat utk shopaholic kayak gw..
mulai sekrang kalo mau buka internet harus minta temenin buddy nih… sering banget selancar ke tempat2 online shopping… :sigh:
hehehehe, i believe Ligwina ibarat imunisasi di tengah racun2 belanja FD disini. tp Ligwina belum coba mampir ke MP atau main2 di blog FD yang byk racunnya ya ? hehe..berat loh godaannya
Gw sering dgr Ligwina di radio, and emang tob deh
kok pas baca “a professional financial planner and also a terrible shopper” jadi inget Becky Bloomwood yah ;P. But I believe Ligwina is not like her ;P . Ok deh, sukses terus Ligwina yah…
Glad to See Wina in the club
i knew her since my BF become her client..
she’s so smart, talkactive, funny and provides useful tips to manage financial and spend your money wisely without feel guilty..
Skrg tiap kamis sebisasanya dengerin tipsnya dia di radio dan ga jarang kena sindir..haduuhhh
Anyway, about black period susaah banget kyknya ngejalaninnya, dan bener apalagi jd member nya FD..wakakaka
Tantangan dan harus dicoba untuk membeli tas impian… (sami mawon ya?!?)
Guess, I should try this ‘black period’ since now I’m very addictive to ebay and shopping lenongan either direct from its web, store or MP. I’ll start on april *wishmeluck*. what a heavy task
good and important article, phewww do i have a problem after reading this
Thanks for the great article with Mba Ligwina. I’ve been listening to her tips at Cosmopolitan FM and following her twitter, also QM at twitter. Been thinking to become her client.
Oh,so does this mean, if I am single, still living with my parents..I am allowed to buy LV bag?hehehe..
which will end very soon..
I love my singleness then
No need to worry about saving for children’s school fee…LOL
read and respond…pfiuhhh…gimana rasanya ya ngejalanin black period..Not even magazine?? *sigh*
ide punya shopping account kayanya oke tuh…masalahnya berapa yang bakal dimasukin ke shopping account itu yaaa…
Gue pernah coba ‘black period’ ini, walo waktu nyoba belum tau istilah ‘black period’. Irit bener!
bagaimana ini? Gue shopaholic akut kayaknya..
Tapi, udahnya koq gue malah kalap belanja ya??
Kayak ‘mamayu’ abis sakit. Pas sakit kan ga enak makan, udahnya kalap apa aja dimakan!
So, abis irit, malah lebih boros
financial plan itu ibarat minum obat bagi gw. kalo gw sakit alias gak punya duit baru dehh mikir nabung, irit, dkk. tapiii, kalo udah sehat/pegang duit…. lupaaa semua ajaran hidup irit, nabung, & inget masa depan. huhuhuhu
Thanks mba hanzky & mba ligwina buat artikelnya. Aku pernah coba buka QM financial trus jadi pusing sendiri ngitung dana darurat, dana pendidikan, pensiun, dsb. Akhirnya ditutup lagi d websitenya
kalau gue naksir sama satu barang, biasanya gue tinggal dulu. barang satu atau dua hari. kalau masih kepikiran aja, atau masih ngebet punya tuh barang, baru deh beli. terus saran yang “bawa temen yang sensible tuh bagus banget”. biasanya gue bawa adik gue yang lumayan bisa ngasih masukan.
and leave your credit card or debit card at home. haha… mayan buat nahan diri deh kalau tau uang di tangan terbatas (asal jangan diganti ma uang gaji satu amplop ya)
Black period it is……
I really really really should try it at least once……
Always like Ligwina’s comments.. straightforward and sometimes “brutal”..
Gw pernah sih ga belanja selama 4 minggu, tp abis itu lgsg ‘dibayar’ dengan belanja abis2an.. sama aja deh jadinya..
artikelnya bagus mba Hanzky, terima kasih! Anywho, udah tau blog ini?
http://www.thegreatamericanappareldiet.com/
-tentang tantangan untuk engga beli baju (kecuali underwear) selama satu tahun.
Love the article
Han,just wanna make sure, jd kalo emangan mau shopping yg berbau-bau investasi pilihannya: Hermes Birkin bag, Patek Phillipe watch, Tiffany and Harry Winston jewelry? Kalo iyah…noted dahhh. Untuk kedepannya hanya shopping 4 item di atas
*teteup kekeuh*
wowww its really “slap in the face”
nice article and good tips,pas banget ama kondisi gw yg lagi
setreesss karena gak bisa mengendalikan nafsu belanja
and you know what, now i’m in “black period”
baru seminggu sih,tanpa belanja tanpa online shopping,tanpa jajan jajan diluar
huaaaa ternyata menyiksa sekali,mudah2an bisa tahan sampe 2 bulan
posting yang sangat baik, bermanfaat, dan sangat related to fd member. hihihi
TFS
ttg shopping account tuh udh gue terapkan..hehe..it helps a lot
Love Mbak Ligwina
Cita2ku yaa kerja Mbak.. Thanks ya Mbak^^
pas baca pertama, jujur aja gue cuman ngetawain org-2 dengan komen-2nya.. haduh, cewe-2 kenapa yah boros… cowoku ga pernah complian ama aku, dia juga ga pernah bilang aku boros.. so ga ada yang salah ama aku kan? tapi setelah aku liat di kamar kostku yang kecil ini.. feel guilty banget.. banyak barang yg aku ga pake,ga makan,ga gunakan,ga tersentuh bahkan i have that item more than 1… nah skrg baru deh kaget…
kayaknya, kalo ikutan konsulnya dia.. bisa-2 i cant buy anything.. or cheating di belakang yah?? *haduh… gawat
Great article!!
You know mba Ligwina, (if u read this), I want to say thank you thank you for realizing me to pay all my credit card bill. Sepulang dr acara seminar financial planning with LigwinaHananto yg diadain sama FD, gw kepikiraannn terus about my really bad habit in using credit card and how I spend my salary. Langsung hari itu juga gw bertekad, haruss bisa ngelunasin tiga kartu kredit dan tutup salah duanya. And i did it!! gw ngelakuin yg setelah baca artikel ini gw baru tau yg gw lakuin itu namanya black period. Efeknya ngga enak bgt. Berasa jadi anak ngga gaul sedunia! hehehe… tapi positifnya gw bisa bernafas lega krn udah ngga punya utang ke bank. *feel so proud of my self*…