MASTERING MONEY: A SMART STRATEGY FOR SAVING AND MANAGING AN EMERGENCY FUND
DOI:
https://doi.org/10.58174/ijastps.v1i8.121Keywords:
financial literacy, community service, saving strategies, emergency fund, personal financial managementAbstract
Financial literacy is an essential life skill that enables individuals to make informed financial decisions and achieve long-term financial well-being, a concern underscored by international data showing that less than a third of young people aged 18 to 25 in developed economies can answer simple questions about interest rates, budgeting, and savings. Limited public understanding of effective saving strategies and emergency fund management continues to increase financial vulnerability, particularly during unexpected situations such as job loss, medical emergencies, economic instability, or other urgent financial needs. The Community Service Program entitled "Mastering Money: Smart Strategies for Saving and Managing Emergency Funds" was conducted as an educational initiative aimed at improving financial literacy and encouraging responsible personal financial management among children and adolescents assisted by the Griya Yatim and Dhuafa Foundation in Kelapa Dua, Tangerang Regency. The implementation employed a polite and participatory training approach consisting of interactive lectures, group discussions, monthly budgeting simulations, educational games, practical exercises in calculating emergency funds based on participants' personal financial conditions, and question-and-answer sessions. The educational materials covered fundamental concepts of personal financial management, distinguishing between needs and wants, developing consistent saving habits, preparing monthly budgets, and calculating an appropriate emergency fund. The evaluation results indicated a significant improvement in participants' knowledge regarding financial planning, disciplined saving behavior, and the importance of establishing an emergency fund as financial protection against unexpected risks. Participants also demonstrated increased motivation to implement practical financial management techniques, including maintaining financial records, setting measurable saving goals, and allocating a portion of their pocket money to build sustainable emergency savings. Overall, this community service activity contributed significantly to strengthening financial literacy while promoting financial resilience and preparedness in facing economic uncertainty.
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