Confused About How to Manage a Tight Salary? Come Here to Learn the Tricks

"Dream - Most people feel happy when receiving money but refuse when asked to manage it. The rejection becomes even greater when the monthly income is just enough to meet food and daily needs. Managing finances is indeed tricky. You can actually learn it to become more financially literate. One way to master it is by knowing tips for managing finances with a tight salary as discussed by the Be Women Indonesia community."

"Be Women Indonesia is a community that is committed to creating a space for women's empowerment through various programs and activities to develop skills, build self-confidence, and open new opportunities."

One way this community shares among women is by uploading knowledge through the social media Instagram @bewomen.id. Now, here are tips for managing finances shared by the Be Women Indonesia community.

The translation of "Mencatat pemasukan dan pengeluaran" to English is "Recording income and expenses".

The first thing to do is to record income and expenses. Dream friends need to note every income, both fixed salary and additional earnings, received each month. The same goes for expenses.

"This habit must become a routine because it is very important to see which posts are your biggest expenses, such as food consumption, transportation, internet and data packages, clothing shopping, or others."

The translation of "Mengutamakan Kebutuhan Daripada Keinginan" to English is "Prioritizing Needs Over Wants".

The second way is to prioritize buying according to needs. When you, Dream friends, add an item to the shopping cart, ask yourself again whether the item you are about to buy is really needed or just wanted. Because, to manage a tight salary, prioritize spending money on things that are truly necessary.

Stop Adding or Opening New Debt.

"The third is to avoid adding loans in any form, including online loans like pay later. The ease of obtaining loans online through loan applications or e-commerce can lead us to make impulsive decisions. Feeling like it's just a little, but because it doesn't fit the income budget, it can be dangerous, my Dream friends."

The translation of "Atur dan Pisahkan Pos-Pos Pengeluaran" to English is "Organize and Separate Expense Categories".

"Dream friends can separate your remaining money into expense categories according to the budgeting you created. You can utilize the envelope system or also use the Jenius debit card for expense allocation. For example, an e-card for vacations and hobbies, an x-card for shopping for basic needs, and an x-card for personal development expenses such as online courses, books, and others."

to English while preserving any HTML tags is:

"Set aside at least 10 percent of your income to save. Dream friends can also set aside at least 20 percent for savings and investments."

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