Being successful and have a lot of money, surely this is what you have cultivated since the age of 20an. However, not everyone can reach it easily, many pebbles that often make this wish finally difficult to achieve.
Though the key is not difficult, you know! Simply by working hard and clever in managing the monthly salary finances, you can achieve success even before the age of 30 years. Here are 5 secret recipes to arrange a monthly salary.
- Record Any Spending
Do not be lazy to record every expense every day, because from here you can see which expenses are so swollen. No need to bother using a book, but you can use a smartphone for each transaction recording.
- Create a Monthly Budget
In order for your finances to be managed well, it would be nice if you could create a financial budget each month. Within the budget, you can write an expenditure forecast for a month. Make a major outlay first, after which you can write a tentative expenditure, such as expenses for mortgage / debt, savings, operational costs, and entertainment costs. Do not forget to always include unexpected expenses.
- Pay Charges and Installments
When receiving a salary make sure you also pay all the bills and principal installment first. Then, you can make a list of how much installments and bills you have to pay per month. After that, make sure to pay at the beginning of receiving a salary, this keeps the money unused for shopping.
- Savings
Although difficult to save, but this one thing is mandatory for you to do. After paying bills and installments, set aside your paycheck for savings. Setting aside a savings at the beginning of the month will prevent your money from being spent on unnecessary things. Try to make the target what percentage of your savings in a month.
- Using Credit Card Wisely
Credit cards are always a financial problem that can make you dizzy. Hence, you should be able to give full control of credit cards. Do not easily shop by credit card. It would be better, if you can manage the use of your card limit.
These five secret recipes may seem difficult to do, but if you open an account at Genius, the five solutions above can be easily achieved. How come?
Of course, because Genius has various features for easy management of your monthly salary. Call it, features Dream Sa
ver who can withdraw your balance for your savings. So, no need to fear again the money for savings even used for shopping. In addition, Genius also features Flexi Saver for you who want to save not long with interest worth of deposits
Not only that, Genius also has a Card Center feature that can set the limit of the use of your debit card and e-Card (credit card). The trick is easy, you simply go to the Genius app, then look for the Card Center feature. Not only the spending limit, the withdrawal limit on the ATM money you can set.
Uniquely, Genius also has a feature to facilitate you to transfer money, you know! With the Sent It feature, you can send money using only $ Cashtag. $ Cashtag is the name you make as account number. So instead of remembering a long account number, you simply remember the name in lieu of your account number. In addition through $ Cashtag, Send It feature also allows you to send money via mobile phone number, email, or bank account number of destination.
Even more convenient is that all transactions in the Genius account will be recorded automatically in the transaction history. You can even see transactions from the first time you create a Genius account.