If you’re not careful, your lifestyle spending items could suddenly increase! If this is also bothering your finances, then the following tips can be used.
Sort the use of non-cash facilities according to the monthly budget.
I recommend using a debit card as a payment transaction tool for various routine expenses such as monthly shopping, daily food purchases, gas refueling, and others. Allocate income according to the monthly budget after payday in a separate account that is intended for routine expenditure items. Meanwhile, monthly bill payments can use transfer assistance from mobile banking.
In simple terms, divide income for 3 things, namely 50% living routine (Living), 30% saving and investment (Saving), and 20% playing (Playing). If you rarely cook at home, it means that the expenses for ordering food will go to the Living post. Meanwhile, additional snacks will go to the Playing post.