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By steadily saving 80 percent of her income, PNM employee manages to build her dream house
Managing finances, especially for millennials, can often be difficult. With around 71.6 million individuals or 26.5 percent of Indonesia’s productive population finding themselves in the sandwich generation.
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anaging finances, especially for millennials, can often be difficult. With around 71.6 million individuals or 26.5 percent of Indonesia’s productive population finding themselves in the sandwich generation, allocating finances is a challenging task because of the many responsibilities young Indonesians bear. But one PT Permodalan Nasional Madani (PNM) employee has managed to smartly organize her finances and achieve her goal of building her own dream house.
Nuni Yulianti has been working at PNM since 2017 and she possesses her own principles regarding managing finances: she has always considered the balance of her wants and her needs. This has made her wiser in choosing when to spend money to purchase something.
“When my friends paid instalments to buy the latest gadgets, I was completely uninterested, because I had my personal life goal and I don’t want to have a consumptive debt,” said Nuni
The result of her discipline to set aside a portion of her finances for six years straight resulted in her successfully building her own house purely with her personal funds.
“Every time I receive my salary, I put 80 percent of it into my savings to build a house. After six years, I was finally able to start construction,” said Nuni joyfully.
However, Nuni also acknowledges her method of saving is quite extreme. But it is motivated by her strong will to live independently and not put any more burden on her mother, who is a single parent.
“When I started working, my goal was not for myself; rather, it was for my family. I wanted to quickly live independently and live in my own house, to take off some burden from my mom. I think because of this ambition, I was able to have a minimalist lifestyle for the past six years,” added Nuni.
Arief Mulyadi, the president director of PNM, was amazed hearing Nuni’s story during his visit to the PNM headquarters where they met. He commented that Nuni's noble intention to help her mother opened a path to opportunities that allowed her to grow mentally.
“What Nuni achieved aligns well with PNM’s tagline, which is to grow, care and inspire. I’m confident that if all of our 6900 employees do the same thing, the economy of their respective families will thrive too,” added Arief.
