Author: Eliza

In the midst of the COVID-19 pandemic, many companies have had to cut their employees’ salaries as a solution to survive. This may be a problem for you because when payday arrives, your income is no longer as big as it used to be while expenses remain at the same nominal. Therefore, here are some tricks that you can apply before payday arrives so that your finances can be well organized.

Reduce Cash Withdrawal Amounts

To avoid using after payday money for unimportant things, you can reduce the amount of cash withdrawals when shopping outside the house. Also avoid filling up your electronic wallets or online shopping applications. If you have to fill it in to make non-cash payment transactions, fill it with the right amount.

When going shopping, make a list of needs in detail. Also find out the price range of the product to be purchased so that …

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In the midst of the COVID-19 pandemic, many companies have had to cut their employees’ salaries as a solution to survive. This may be a problem for you because when payday arrives, your income is no longer as big as it used to be while expenses remain at the same nominal. Therefore, here are some tricks that you can apply before payday arrives so that your finances can be well organized.

Start with a Priority Scale

You can do this first trick by keeping a record of expenses. Enter all the expenses that you spent a few months earlier, then categorize which expenses you regularly spend every month and which don’t.

Then, do the categorization again, this time by categorizing primary expenses, secondary expenses, and tertiary expenses. These primary expenses are vital needs that must be met, such as food, electricity, water and internet. This secondary expenditure refers to needs …

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The period of adaptation to new habits certainly causes many plans to be delayed. Starting from plans to travel abroad, watch concerts in the country, to maybe wedding preparations that have been planned long ago. Of course this is bad news for those of you who want to hold a wedding.

Fortunately, at this time, weddings can be held. However, you still have to follow health rules. What are the wedding trends like in the adaptation of new habits?

Preparations Done Virtually

If normally you will have a direct meeting with the wedding organizer, the meeting will be held virtually during the corona virus pandemic. You and your partner must be ready in front of your smartphone or laptop to “meet” with the wedding organizer representative. So that the conversation runs smoothly and the preparations go according to plan, make sure you have a smooth and stable internet connection.…

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Having clear financial goals is an obligation for everyone, even for those of you who are still fresh graduates and have just started working. Clear financial goals will affect how you plan finances, for example, such as measuring the minimum amount of salary you receive during your first job interview. It’s also easy for you to project priority matters into financial planning later. Therefore, here are some financial goals that you should prioritize.

Allocation of Funds to Buy a House

Having your own home is not a matter of style at a young age. Home is a primary need that you can also prepare from a young age, moreover, housing prices are also not cheap. You obviously need quite a long time to finally collect all the costs. Besides being intended as a place to live, owning a house is also part of an important financial goal because a house …

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Having clear financial goals is an obligation for everyone, even for those of you who are still fresh graduates and have just started working. Clear financial goals will affect how you plan finances, for example, such as measuring the minimum amount of salary you receive during your first job interview. It’s also easy for you to project priority matters into financial planning later. Therefore, here are some financial goals that you should prioritize.

Emergency Fund Allocation

This financial goal is usually forgotten by many people, especially for fresh graduates who have just started working. In addition to daily needs, you also have to allocate income to be put into an emergency fund post. Emergency fund posts are intended for needs that you cannot predict in advance.

At the very least, you should allocate 10% of your total income as an emergency fund. This means, if your salary is large, then …

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