First, read the English article below.

Practicing prudence means practicing counsel, judgement, and decisiveness. You can be prudent at home by offering counsel to family members who are arguing and using good judgement to try to settle any disputes. Use problem solving methods like active listening, rational analysis, and talking through issues to help your family members reach a compromise.  For example, maybe your siblings are having a disagreement about you should wash the dishes after dinner. Exercise prudence by suggesting that it would only be fair for the person who washed the dishes the night before to be given the night off and given the option of not doing the dishes that night. You can also use prudence to prevent more serious disputes, like a conflict involving money between family members. You may advise your family members to save all their receipts and keep a clear, up to date record on how money is being spent by each family member in the household. This can help to prevent arguments about money and spending down the road. To be prudent with your finances, make sure you keep the household finances organized and up to date by creating a budget. Keep a spreadsheet of all the household spending and costs every month, including items like rent or mortgage payments, groceries, utility bills, and cleaning expenses. You should also note any recreational spending done in relation to your home, such as decorating costs or maintenance costs. Being prudent with your finances will help you to prevent overspending every month and ensure you are aware of where your money is going every month. This will then allow you to make solid judgement calls about how to best use your income to cover your household expenses and manage your money. Make sure you are paying all your bills on time every month, from your utility bills to your credit card payments. Exercising prudence in terms of bills will ensure your finances are in order and you do not fall behind on your monthly expenses.  To help you be prudent with credit card payments, you may consider... 

Now, please write a short abstract for it in Indonesian. Abstract:
Terapkan teknik pemecahan masalah dan berpikir kritis untuk menengahi perselisihan di antara anggota keluarga. Lakukan manajemen keuangan rumah tangga. Bayarlah tagihan tepat waktu dan lunasi utang. Sisihkan dana untuk ditabung setiap bulan.