Salary Just Passing Through? Here’s a Strategy to Manage Expenses to Stay Calm Until the End of the Month

Kapanlagi.com - The notification of salary being credited on the 25th is always the most awaited moment every month. But, who can relate to the phenomenon of having a plentiful balance in the morning, but by the afternoon, it’s just a memory?

Getting paid can indeed be the most enjoyable moment. But if you forget yourself and shop here and there without clear management, the balance might only last a few days while waiting for the next payday, which is still a long way off. To stay calm until the end of the month, here are the expense management strategies that must be implemented!

1. Pay Mandatory Bills First

Illustration of a woman managing finances. (c) nnudoo/Depositphotos.com

As soon as your salary comes in, don’t delay in settling all your main bills such as electricity, water, internet, installments, rent, and other routine expenses. Paying at the beginning not only makes you feel at ease, but also prevents you from running out of money before you can pay your obligations.

Additionally, paying bills early can help you avoid late fees or fines that can inflate your expenses. By settling all your obligations at the beginning of the month, you can manage the remaining money for other needs without worry.

2. Save at the Beginning, Not Wait for Leftovers

Illustration of a woman holding a piggy bank. (c) Halfbottle/Depositphotos.com

Did you know that one of the reasons you fail to save is because you often wait for the 'leftover' of your salary first? This is the mindset that needs to change. Try to set aside savings at the beginning, and you will be able to be more consistent and disciplined in building long-term finances.

For example, set aside 10-20% of your salary as soon as it arrives, and treat it as money that should not be touched. This savings can be used for future investments, or for urgent unexpected needs. Remember, a little but regular is far better than a lot but only once.

3. Understand the Scale of Priorities, Not Just Desires

Illustration of a priority scale. (c) artursz/Depositphotos.com

If you often go overboard when shopping, try making a list of needs and wants. This way, you can focus on buying what is truly important, not just impulsively swayed by passing advertisements. Prioritize basic needs first, then allow some room for small self-rewards.

By understanding the scale of priorities, you will also be better trained to control yourself. So even though you often see items that seem tempting to buy, you know when to hold back and when to indulge yourself. This method is very effective for keeping your finances stable without feeling deprived.

4. Shopping Also Needs a Strategy, Rely on Promotions!

Want to keep shopping but not overspend? It's very important to strategize wisely, one of which is to carefully rely on promotions. Regularly update yourself with the latest promos to meet your daily needs more economically. For instance, the Payday Treat promo that you can get from the DANA app!

From April 25 to May 1, 2025, DANA presents the Payday Treat promo that can be utilized to meet daily needs. EVERYTHING IS DISCOUNTED up to 75%, you know! There are several categories of promos that you can grab:

- DANA Deals: DANA Deals vouchers with discounts up to 75%.

- QRIS: Scan DANA QRIS to get cashback of Rp10,000 at Alfamart, Alfamidi, Superindo, Sour Sally, and Watsons.

- DANA Games: Top up at DANA Games with discounts up to 75%.

- E-Commerce: Shop online at Alfagift, Lazada, Tokopedia, TikTok Shop with discounts up to 50%.

Bill Payments: Pay bills (water, internet, installments, and BPJS) with a discount of Rp5,000 at DANA.

- Google: Claim a Rp10,000 voucher at Google Play Zone.

Isn't it true, the Payday Treat promo from DANA is really too good to miss! So, what are you waiting for? Hurry up and install or update the latest DANA app and it's time to shop at more economical prices to meet your needs!

(kpl/wri)