For workers, certainly no stranger is waiting for payday on each month. Generally, the time of payday in Indonesia is carried out every 25th for employees of private companies and the 1st for civil servants (PNS).
Before the salary is received, we usually have prepared several lists of goods that need to be met, and plan to buy the goods that are being desired.
Remember, quite often, people immediately spend their salary because they have long held back the desire to shop. "If not now when? Right, it's been waiting for a month! ”So about these workers argued.
Then the shopping routine is carried out. This is exacerbated if it turns out the shopping is unplanned and uncontrolled. So that all kinds are bought, even though they are not needed. No doubt, the salary money was quickly drained, the term pass just passed.
Well, things like this are not uncommon, especially among those who feel they don't have the responsibility or are still living alone. Of course this action is not something wise. Don't think just now, and throw away the reasons for being single so you can live your way.
Because, what life will look like in the future depends on how it is managed now, right? Of course, good financial arrangements now will bring a bright future.
Then, how to deal with payday money so that it does not run out and does not provide positive benefits and impacts in the future? Check out tips on managing payday money so that it doesn't run out of vain:
Confused looking for the best credit card? Look at the solution!
When payday arrives and we have received money, the thing that often happens is that we feel we have a lot of money at that time. Then, what you think about is buying whatever you want while you have money. This increasingly high spending desire is often not just offline shopping, but also online shopping, the transaction is quite easy, only one swipe with a debit card or credit card, then the items purchased are obtained. But after realizing, it turns out your finances are getting thinner before the time. If this is the case, no matter how much the salary will never be enough. Now, how do you not get used to things like that? We recommend that you prioritize priority needs, such as paying all kinds of mandatory bills every month such as vehicle loans, rental fees for housing, purchasing credit, and others. Separate this mandatory monthly expenditure budget, and the rest can be used to fulfill the shopping desire.
Not only when there are important events at work, gather with old friends, or other parties, who have a special schedule, but it doesn't hurt we also have to make a separate schedule for shopping. This can be done remotely and you have already made a shopping list of what is needed and what the price range is. Try to apply a little strict rules like this, so that we become more appreciative of money and certainly more economical.
When we are ready with a shopping list of items that have to be bought in advance, when we arrive at the supermarket, it turns out there are some product items that are not available, so what happens is having to move to another supermarket. Of course that will add to other expenses, right? We will pay more for that. Not to mention this will take up more of our time than we should. Therefore, you should choose a supermarket that is indeed bigger and more complete to meet the needs of the products we are looking for. One more thing that needs to be known, besides the big supermarkets, is selling products in full, usually also providing promos such as discounted prices to spend their stock. Well, this will save more shopping, right?
Don't be afraid to use a credit card to pay for groceries. Because, usually merchants collaborate with credit card issuing banks and provide discounts on certain products. Well, who knows that our shopping items turned out to be discounted for using these credit cards. Good luck, right? So, there's no reason to worry about using a credit card to pay for groceries. Because when we pay bills later on time and are paid in full, there is no interest charged to our credit card bills.
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Salary Adjustment
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