Amid an unpredictable economic climate caused by a series of demonstrations, personal finances often become the most vulnerable aspect. The impact of this uncertainty is evident in the movement of the Jakarta Composite Index (IHSG), which is highly sensitive to current political developments.
After dropping more than 2% on Friday, August 29, 2025, the IHSG rebounded by 0.54% at the opening of trading on Wednesday, September 3, 2025. This recovery indicates that the effect of demonstrations on the financial market is beginning to subside. Nevertheless, the current market dynamics reflect how closely political conditions are linked to Indonesia’s economic stability.
Investors are required to adapt quickly and strategize to protect their assets and navigate potential market turbulence. The same applies to individuals, for whom careful management of personal finances becomes increasingly important in uncertain times.
In situations full of uncertainty, the ability to manage personal finances is key to maintaining stability in life. With the right strategies, you can take control of your wallet while planning for the future with greater confidence. Here are some simple tips you can start applying today.
Related article: 6 Easy Strategies to Manage Household Finances and Stay Stable in Any Situation – Treasury
1. Prioritize an Emergency Fund
The first step in uncertain times is to maintain liquidity, ensuring that cash is readily available. Ideally, your emergency fund should cover 3-6 months of expenses. Keep it in instruments that can be easily accessed, such as savings accounts, checking accounts, or trusted digital wallets.
Avoid placing all your funds in long-term investments that are difficult to liquidate when needed. With a sufficient emergency fund, you can handle unexpected situations, reduce financial stress, and maintain daily spending stability without sacrificing essential needs.
2. Secure Essential Needs
Make sure basic necessities such as food, clean water, electricity, fuel, and medication are always covered. If distribution is disrupted due to demonstrations, keep a stock sufficient for a few weeks.
By planning your stock wisely, you can reduce stress caused by uncertainty and ensure daily needs are met without overspending. Avoid panic buying and focus on priority needs to keep your finances under control.
3. Diversify Your Funds
Do not keep all your money in one place. You can divide your assets across multiple bank accounts or relatively safe instruments, such as physical gold or digital gold from official platforms. Diversification helps control risk in case of banking access disruptions or transaction limitations.
Moreover, by distributing your funds, you can manage spending more flexibly and take advantage of small investment opportunities without affecting your emergency fund.
4. Protect Asset Value with Digital Gold
For extra protection, part of your funds can be allocated to hedging instruments such as gold or foreign currency. Spread them across several secure accounts or instruments, including different bank accounts and Treasury digital gold. Digital gold is a practical choice as it is relatively stable and can be liquidated at any time.
This way, you can protect your assets from inflation or market volatility while keeping quick access to funds in case of emergencies.
5. Postpone Consumptive Spending
In unstable conditions, delay spending on lifestyle or secondary needs, entertainment, luxury items, or vacations. This simple step helps maintain healthy cash flow while minimizing financial risks amid uncertainty.
For example, if you usually allocate 5% of your income for entertainment, this money can temporarily be redirected to your emergency fund. This keeps liquidity intact and allows funds to be used for more urgent needs.
6. Stay Calm When Making Decisions
Chaos can easily cause panic and poor decisions. By keeping a calm mindset, you can stay focused. Make a spending priority list, assess needs objectively, and avoid rushing decisions. With a clear head, you can reduce potential losses and maintain financial stability.
Treasury: Safe Digital Gold in Uncertain Times
After understanding various ways to manage finances in uncertain conditions, the next step is choosing a safe, liquid, and stable storage option. One increasingly popular choice is digital gold through the Treasury platform.
Starting from as little as IDR 5,000, you can own a flexible, secure asset that can be liquidated easily. Additionally, digital gold can be converted into physical gold anytime, giving you full control over your investment. This way, amid economic turbulence or fluctuating IHSG, both your wallet and future plans remain more secure.
