Solid funding can be done in the right way and with the best effort. Quite a few who have made great efforts to save this and that, but the financial situation is still stuck. Especially those who do not save at all, the financial situation is certainly not healthy.
Indeed, managing finances is not as simple as turning the palm of your hand. It takes hard work, effort and a little craft to prepare a budget each month. If you are lazy about budgeting, your financial statements will continue to empty at all times.
In order to manage your finances more easily, here are some financial tips that suit the lazy who can be practiced directly.
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1. Choose automatic savings
Saving is the most boring activity, especially for the lazy person. Not to mention saving money, accomplishing tasks and responsibilities takes a long time for intention to be awakened. In addition, high discipline is also necessary so that savings can be a routine every month.
But calm, now the lazy can save very easily. Of course, without having to waste a lot of time and energy, the way is to choose a savings system that is automatically connected to your debit card.
This type of savings will automatically deduct the contents of your debit card or your salary each month. The funds withheld will be automatically transferred to a savings account. So you no longer have to go to a bank or deposit cash at an ATM if you want to save.
2. Pay your bills online
Saving money that is elsewhere for the future is lazy, not to mention paying bills every month. He is certainly getting more and more lazy because of the great potential for income reduction. But calm, there is now an online bill payment system.
Thanks to an application, you can now pay all the invoices invoiced to you each month. Ranging from electricity, phone, internet, water, credit, insurance, credit card bills to multiple banks at once.
In addition to being easy and convenient, paying bills online is also very profitable because it allows you to recover money on each invoice paid in full. Cash back is what will later reduce paid bills, so that the fall becomes more effective.
3. Connect credit cards
So lazy if you have to go back and forth to open a mobile service or Internet banking to pay your bills? In addition to consuming time, your credit will also be reduced as they have to pay for SMS banking. Fortunately, there are now automatic payments with credit or debit cards.
Whenever payment is due, the invoice will immediately deduct the credit card limit or the debit card balance. To take advantage of this service, you must connect a credit or debit card to the online bill payment application.
Credit cards and debit cards must be verified with an online payment system. Otherwise, the card attachment in the application will be rejected and you must replace it with another card if you wish to continue.
4. Make an expense envelope
The expenditure envelopes have the same function and the same objective as an expenditure budget. But the difference is that the allocation using spending envelopes is much more thorough and intense. Because the money in the envelope was divided according to the type or item of each expense.
If an expenditure envelope runs out prematurely, there are two possibilities. First, because there is less money allocated to it. Second, because you cannot control the spending on the envelope, the content is used more quickly than the content of the other envelopes.
Before putting money in an envelope, first know the amount. Make sure the amount is really enough to fund each need for a month. As a result, the name of the lack of funds will not happen and will not happen to you.
5. Get passive “income” from the investment
You may be lazy to manage the finances right now, but don’t be lazy about that one thing. Yes, you can now get passive income in different ways without having to bother. A safe and appropriate way to try is investment.
Almost all investment vehicles earn you income. Especially if the amount invested in an instrument is large enough, it is certain that the income obtained will also adjust directly to the amount.
Investing in deposits and mutual funds is perfect for you who want passive income, but with a low level of risk. If you want higher income, investments like stocks may be the best choice. You can also make this investment online but always on an official investment platform. However, you must find out about the investment instruments that will be chosen later in order to be able to control your investment smoothly and safely.
6. Save money in a piggy bank
If you can control your urge to shop, your income will certainly be left out each month. You can deposit this money or save it in a special piggy bank.
Make sure the piggy bank is made of a hard material and not easily removable. Not without reason, a piggy bank like this will make it difficult for you to take its contents so that the money that entered the piggy bank cannot be recovered before the piggy bank is full.
Although saving money in a piggy bank seems out of date, but it doesn’t matter if you’re interested in trying it out. In addition, savings systems tend to be simple and practical. It suits your lazy little figure.
7. Part-time work
The higher the salary earned each month, the higher the amount spent. It is not separated due to the influence of lifestyle which increases with increasing wages. For additional income, try looking for work outside the main job in the office. For example, become a freelancer or sell online. You can do these two activities anywhere, at home or even at the cafe.
Changing lazy attitudes from simple things
Changing the lazy attitude in financial management doesn’t have to start with quick ways, because simple ways like the method above are powerful enough to change this lazy habit. The key is your will and your will to start the change. While the rest will be enough to continue from what was started first.