Budgeting and Cashflow Management Training for Young Families in Tembalang
Kata Kunci:
Budgeting, Cash Flow, Young Families, Financial Literacy, TrainingAbstrak
This study aims to improve budgeting and cashflow management skills among young families in Tembalang. The main problems faced by young families are low financial literacy, consumptive spending, and lack of savings planning, which affects household economic stability. The method used is participatory training combining theory sessions, budget preparation exercises, daily and monthly cashflow recording simulations, and weekly guidance and evaluation. Results show that participants are able to prepare realistic budgets, regularly record expenditures, distinguish between needs and wants, and plan savings and emergency funds. The training increased participants' awareness of the importance of structured and sustainable household financial management. This program can serve as a model for empowering young families in financial literacy and can be implemented as a PKM activity in community service and financial education.
Referensi
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