{"id":382501,"date":"2025-12-24T15:06:17","date_gmt":"2025-12-24T08:06:17","guid":{"rendered":"https:\/\/unair.ac.id\/year-end-holidays-beware-of-overspending-unair-expert-offers-practical-financial-advice\/"},"modified":"2025-12-30T16:11:41","modified_gmt":"2025-12-30T09:11:41","slug":"year-end-holidays-beware-of-overspending-unair-expert-offers-practical-financial-advice","status":"publish","type":"post","link":"https:\/\/unair.ac.id\/en\/year-end-holidays-beware-of-overspending-unair-expert-offers-practical-financial-advice\/","title":{"rendered":"Year-End Holidays: Beware of overspending, UNAIR expert offers practical financial advice"},"content":{"rendered":"\n

UNAIR NEWS<\/strong> \u2013 The year-end holiday period is among the most eagerly awaited moments of the year, offering a welcome opportunity to relax and refresh the mind. Yet behind the festive mood, aggressive discount campaigns and social media trends often fuel excessive spending driven by Fear of Missing Out (FOMO).<\/p>\n\n

Addressing this issue, the Dean of the Faculty of Economics and Business (FEB) 51动漫 (UNAIR), Prof. Dr. Rudi Purwono, SE, MSE, shared insights and practical guidance to help people stay financially sound while still enjoying their holidays.<\/p>\n\n

Watch out for the discount illusion and FOMO<\/strong><\/h5>\n\n

Prof. Purwono explained that overspending during the holidays is frequently rooted in psychological factors rather than purely weak financial literacy. Discounts, he said, often create an \u201cillusion of saving\u201d that pushes consumers to make impulsive purchases with little real value. <\/p>\n\n

In the digital age, social pressure to display holiday experiences on social media further distorts rational decision-making. \u201cSpending is often driven by short-term desire rather than careful consideration of actual needs,\u201d Prof. Purwono noted.<\/p>\n\n

Follow 20\u201330 percent rule<\/strong><\/h5>\n\n

To prevent financial stress after the holidays, Prof. Purwono underscored the importance of disciplined budgeting. He recommended a simple and practical formula for managing monthly income or allowances.<\/p>\n\n

\u201cOne straightforward approach is to allocate no more than 20 to 30 percent of monthly funds for leisure and entertainment during the holiday season,\u201d he said. The remainder should continue to be reserved for essential expenses and savings. This limit functions as a \u201cpsychological guardrail,\u201d helping people avoid being swept away by eye-catching discounts.<\/p>\n\n

\"Prof.
Prof. Dr. Rudi Purwono, SE, MSE, Economist at 51动漫 (UNAIR). (Photo: By courtesy)<\/figcaption><\/figure>\n\n
Steer clear of paylater trap<\/strong><\/h5>\n\n

Another major concern raised by the FEB UNAIR dean is the growing popularity of Buy Now, Pay Later (BNPL) services. Prof. Purwono emphasized that paylater options are essentially short-term debt that can impose heavy future burdens through interest charges or penalties.<\/p>\n\n

He warned against relying on credit simply for social status or to keep up with holiday trends. \u201cThe principle is simple: without a stable income, do not fund your lifestyle with debt,\u201d he stressed.<\/p>\n\n

Meaningful holidays don\u2019t have to be costly<\/strong><\/h5>\n\n

Prof. Purwono also reminded the public that the true purpose of a holiday is to recharge, not necessarily to travel far or spend lavishly. Even with limited funds, people can still enjoy meaningful breaks through hobbies, family time, or activities that build personal skills.<\/p>\n\n

He further highlighted the need for financial readiness ahead of the new academic semester, cautioning that post-holiday financial strain could undermine students\u2019 focus and learning.<\/p>\n\n

\u201cIn the end, financial freedom is not defined by how much money we have, but by how wisely we use it,\u201d he concluded.<\/p>\n\n

Author: Ahmad Abid Zhahiruddin<\/p>\n\n

Editor: Khefti Al Mawalia<\/p>\n","protected":false},"excerpt":{"rendered":"

UNAIR NEWS \u2013 The year-end holiday period is among the most eagerly awaited moments of the year, offering a welcome opportunity to relax and refresh the mind. Yet behind the festive mood, aggressive discount campaigns and social media trends often fuel excessive spending driven by Fear of Missing Out (FOMO). Addressing this issue, the Dean […]<\/p>\n","protected":false},"author":79,"featured_media":382504,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[48,52,4554],"tags":[178,168],"class_list":["post-382501","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-experts","category-featured-en","category-news","tag-unair-en","tag-universitas-airlangga-en"],"yoast_head":"\nYear-End Holidays: Beware of overspending, UNAIR expert offers practical financial advice<\/title>\n<meta name=\"description\" content=\"The year-end holiday period is among the most eagerly awaited moments of the year, offering a welcome opportunity to relax and refresh the mind. 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