5 Small Habits That Can Change Your Financial Destiny in 2022

Kapanlagi.com - Feeling like your salary is always just enough and having messy finances are some of the reasons that make life uneasy.How long will you be haunted by various bills that prevent you from saving?It's never too late to change your destiny, including your finances in 2022.The following habits can help you make it happen.

Making Daily and Monthly Financial Notes

It may seem trivial, but making daily and monthly financial notes is the first step in understanding your actual financial situation.From these daily notes, you will find out where your salary has been going all this time.For example, if it's been used too much for hanging out at cafes, online shopping, or other things.

Once you have a comprehensive understanding of your finances, you can start eliminating unnecessary expenses.For example, setting a daily allowance for snacks, transportation, and other expenses. In addition, you can also create a monthly shopping budget to keep your finances in check until the end of the month.

Stop Shopping Because of Tempting Discounts

There is no greater temptation than the information about promotions and flash sales that are taking place on your favorite e-commerce site.When you see items that are discounted by a significant amount, even up to half of the original price, the desire to shop cannot be contained.You might also think, when else will you be able to get discounts like this?

However, shopping because of tempting discounts can actually make you more wasteful.The price may seem cheaper, but this actually makes you tempted to buy more items, which ultimately makes your finances go bust.So, if you want to change your financial fate in 2022, one way to do it is to stop shopping because of tempting discounts.

Start Saving and Preparing an Emergency Fund

One of the financial problems faced by the current generation is not having savings and an emergency fund.These two financial positions are really important for creating a healthy financial situation.

Saving a portion of your salary is really necessary for long-term financial goals.So that working for years doesn't feel like a waste of time just because you're passing through for a salary. In addition, emergency funds are also important for various unexpected emergency situations. For example, suddenly having to stop working, having a sick family member, or other emergency situations. With savings and emergency funds, you can keep your financial condition healthy.

Healing Therapy on Budget

Healing is becoming a popular topic among the current generation. The goal is to refresh the mind after working hard. But, don't let healing make you dizzy because you can't manage your budget properly.

Planning for healing is not a bad thing, but don't forget to make the right plan. If you want to travel, buy a new gadget, or do other healing activities, you can prepare the budget needed several months in advance. To make planning easier, just use the features available in DANA Goals.

As the name suggests, DANA Goals helps you plan to achieve any of your dreams. Just enter your DANA application, click on the Me menu. Click on DANA Goals, Create New Goals and plan your finances for healing according to your budget. Easy, right!

Do Not Delay Payment Obligations

It's almost mid-month, and your salary is starting to run out. But you just remembered that you haven't paid your monthly bills yet. This is one of the habits that can disrupt your financial condition.

It's time to change the habit of delaying monthly bill payments. Use the DANA application which now comes with a new Payment Page display that is more sophisticated, fast, and certainly makes paying bills and other transactions drama-free.

What are the new features that can be enjoyed in this latest version of the Payment Page?

The first is certainly a more modern and sophisticated display in completing transactions. In addition, you can combine payment methods that make transactions easier, plus there is also the Top Up & Pay feature that allows you to complete payments while filling your DANA Balance. Oh, not only that, there is also DANA Viz which makes your transactions faster, more practical, and safer, just by scanning your face!

Paying with DANA is also easier and safer. To make online transactions, you can choose any online transaction that will be done in the DANA application. Next, choose the payment method and tap Pay. Confirm the payment with DANA PIN/OTP Code/DANA Viz, and you're done!

Meanwhile, payment convenience can also be felt when making offline transactions. You just need to tap Pay in the DANA application and then scan the QRIS at the cashier. Enter the price and tips if you want, then tap Next. Choose the payment method and tap Pay. Payment confirmation can be done with DANA PIN/OTP Code/DANA Viz, and you're done!

Those were some tips that can be done to change your financial fate in 2022. Good luck, KLovers. Come on, download and use the DANA application now!

(adv/wri)