Check out how to manage finances for Friends who have mediocre income. Super easy and secure Friends finances!
Knowing how to manage finances is mandatory, especially for those who have a mediocre income and have a family. How to manage finances and tips for managing finances are the right steps, so that everyday life and also the life of Friends’s family can run smoothly.
Super this time will discuss how to manage money well, whether it’s how to manage household finances with minimal income, or how to manage other expenses. Let’s look at financial tips and how to manage finances for Friends who still have a mediocre income in the explanation below.
Steps on How to Manage Finances with a Small Salary!
1. Monthly Installment Evaluation
For Friends who are married, preparing a family financial plan is very important. Especially to arrange the 1 million salary. The most important first step to take is to evaluate the monthly installments, especially the most important installments such as a house.
So that Friends can manage finances for other things. Evaluate other installments, and prioritize installments for important things, such as houses, vehicles and other important things that support household and family life.
2. Planning Monthly Shopping
One of the tips and ways to save money in the household is to make a household budget. The household budget that costs quite a lot is the expenditure of daily necessities for one month. Having a budget plan is important to be able to save monthly finances.
3. Buy Used Goods That Are Still Worth It
Friends can do how to manage finances by outsmarting buying used goods that are still worth using. There is nothing wrong with using used goods, especially buying a vehicle. Many used vehicles are still worth using and have a much cheaper price, Friends can save savings and expenses by doing this.
4. Use Electronic Devices Efficiently
One way to manage household finances with a small salary is to use electronic devices as sparingly as possible. This way of managing family finances is related to the habit of using electronic devices. Because the electricity costs incurred will save Friends’s expenses if electronic goods are used wisely and sparingly.
5. Use Credit Cards Wisely
For those of you who often use credit cards, make it a habit to use credit cards wisely, especially if you use credit cards for family finances. Because, if Friends doesn’t use a credit card wisely, the monthly bill that Friends will receive could spike and hurt Friends.
6. Save Expense For Some Activities
Having simple financial management will greatly impact Friends’s finances. One good financial management is to save on expenses for some activities. Reduce activities that are not so important, this will allow Friends to save money, which can be used for other, more useful purposes, especially for the benefit of family and household.
7. Reduce Use of Motorized Vehicles
Owning a motorized vehicle is indeed very helpful for daily activities, but motorized vehicles also require costs, especially the cost of gasoline for vehicles. One of the most effective ways to manage finances is to reduce the use of motorized vehicles, and be more diligent in using public transportation.
8. Find Additional Income
One good way out and also a way to overcome financial difficulties is to look for additional income. Friends can earn additional income by doing several jobs outside the main job. Especially for brothers who have hobbies.
One way to earn additional profitable income is to trade or sell. Even if it is smooth, the income from trading can be higher than the income you get from your main job.
9. Eat less outside the home
A simple and frugal living tip is to not eat out a lot. The existence of activities and activities outside the home does require Friends to eat, especially lunch that occurs in the middle of work. In order to be able to manage finances sparingly, Friends can eat less out of the house and bring food from home more often, so that Friends’s expenses can be stable every month.
10. Take advantage of existing discounts
One of the tips and ways to manage finances well is to take advantage of discounts as well as possible. Many marketplaces and online stores regularly provide discounts for every item. You can put this to good use so you can save on your expenses.
11. Use the Internet Efficiently
Currently, in the midst of technological sophistication and the development of the digital world, the internet is a major need. Therefore, one way to manage finances well is to use the internet as needed and use it sparingly. So that Friends does not need to spend extra money for internet fees. Determine how much it costs for the internet each month, and use it sparingly as much as possible.
12. Try to Save Every Month
By having savings, Friends can do how to manage finances in difficult times. Savings are intended for unpredictable future needs. Therefore, try to save every month.
No need to think about how much money you have to save, be it big or small, try to be consistent and disciplined to save every month and do it in the long term. Because the savings will be useful and beneficial, especially when Friends is in difficult times.
13. Paying Off Debt (If Any)
There will never be a way to make a household budget, if Friends still has debts. For Friends who still have debt, Friends must pay it off first. Priority debt when Friends earns income, it will also make it easier for Friends.
Because debt will burden Friends more, especially in managing monthly money. And if the debt has been paid off, never dare to borrow again. Manage money well, so Friends does not take loans and have debts.
14. Reduce Shopping for Unnecessary Items
How to manage household finances properly and correctly will not run smoothly, if Friends still has the habit of shopping for unnecessary goods. Consider first before shopping for goods, whether the goods are needed or not. Whether the goods to be purchased will be useful and can be used for a long time or not, because if you are in the habit of buying goods without considering usability, how to manage finances will not be realized.
15. Shop Goods at Low Prices
The most economical way to manage finances, especially for Friends who are already married, is to shop for all things at low prices. Especially daily necessities and household necessities. Friends can save on how to manage finances by buying every ingredient at a low price.
Friends can get all the daily necessities at low prices, by buying them on the Super App. Super application provides a variety of daily necessities with high quality but at a super cheap price. In addition, shopping is also very easy, just by using a smartphone, Friends’s groceries will be delivered by the Super Application.
For those of you who don’t have the Super App, you can click here to download the Super App and start using the Super App for your every need. Use the Super Application, so that Friends’s daily activities are more profitable and can save Friends’s finances. Good luck!