Edukasi Literasi Keuangan Digital bagi Siswa Sekolah Menengah Atas dalam Pengelolaan Keuangan Pribadi

Abstract

This community service activity aims to improve digital financial literacy among high school students through Microsoft Excel-based personal financial management training. The main challenges faced by students are a lack of understanding in managing income and expenses in a planned manner, as well as a high tendency towards consumptive behavior, particularly regarding non-priority spending. The methods used in this activity include material delivery, hands-on practice in preparing a monthly budget, and analyzing personal spending patterns using Microsoft Excel. The material provided includes an introduction to income types (recurring and non-recurring), expense classifications (fixed, variable, and non-priority), and the importance of saving and investing from an early age. Furthermore, participants are introduced to simple financial management concepts using the 50% needs, 30% wants, and 20% savings and investment approach. The results of the activity indicate an increase in students' understanding of budgeting, identifying spending patterns, and fostering awareness of managing finances more wisely and in a planned manner. Thus, this training is expected to foster good financial management habits from an early age and support students' financial independence in the digital age.