Blog Post --- Published on March 05, 2024 | Last Updated on March 05, 2024

Kajian Jago Syariah: How to Fulfill Lifestyle Needs Without Overspending

cara penuhi gaya hidup tanpa boros dengan budgeting di kantong jago syariah dan atur limit transaksi kartu debit Kajian Jago Syariah: How to Fulfill Lifestyle Needs Without Overspending

Fulfilling your lifestyle needs or requirements is fine. However, to avoid spending or wasting a lot of money on lifestyle, what should you do?

Is Lifestyle a Primary or Secondary Need?

In your opinion, which type of need does lifestyle fall into? Is it a primary need or a secondary need?

As seen on Wikipedia, lifestyle actually falls into the category of secondary needs. Why secondary needs? Because lifestyle is not something that is urgent and if it is not fulfilled it is not that big of a deal.

Secondary needs are different from primary needs. Primary needs, as the name suggests, are needs that are very important to be met first. Because if they are not fulfilled, a person's survival could be threatened. You may still remember the lessons at school about the need for food, clothing and shelter, which are categorized as primary needs. After primary needs are met, then secondary needs are met. The goal is more towards achieving a better life.

Even secondary needs can have different levels of priority. Transportation to the office, for example, is a bigger priority than buying fashion products or gadgets to fulfill your lifestyle needs.

Manage Your Budget for Secondary Needs with Jago Syariah Pocket

You can manage all your needs, including secondary needs, easily and practically using the Jago Syariah Pocket. Budgeting is necessary so that spending to fulfill your lifestyle needs doesn't go over budget and at the same time you ensure that your budget for primary needs as well as short-term and long-term savings is safe.

To make budgeting easy, it would be practical if you could have multiple accounts. 1 account for 1 need. Especially if all your accounts can be monitored all from the same application.

With Jago Syariah, you can have multiple accounts to manage all types of needs without monthly admin fees. Create 1 Jago Syariah Pocket for 1 need. Then, allocate a budget to each Pocket that has been created.

budgeting kebutuhan primer dan sekunder pakai kantong jago syariah agar bisa penuhi gaya hidup tanpa spending berlebih

Ideally, budgeting is done immediately as soon as you receive your salary or income every month. All Pockets that have been created along with their budget and transaction history can be monitored simultaneously via the Jago application.

With Jago Syariah, you can also fulfill your lifestyle needs and all other needs by always being in accordance with sharia principles. Why? Because the Jago Syariah Spending Pocket uses Wadiah Yad Dhamanah akad without interest.

Set Your Jago Syariah Visa Debit Card Transaction Limits Directly from the Jago Application

Nowadays, shopping is more practical, fast and easy without cash. The solution for making payments when shopping to fulfill your lifestyle needs is with the Jago Syariah Visa Debit Card, which can be used anywhere in the world.

So that you don't spend excessively and keep your budget well controlled, you can set debit card transaction limits via the Jago application.

1. Link your Jago Syariah Visa Debit Card with the Spending Pocket of your choice

You can have more than 1 Jago Syariah Visa Debit Card. However, if you only have 1 card, it's no problem because you can link it to the Spending Pocket (account) you choose.

To fulfill your lifestyle needs, for example, you can link your card to your "Clothes Shopping" Spending Pocket. This way, you will only use the budget in that Spending Pocket. The budget that you have set and allocated in the first place.

When it's time to purchase some basic necessities, you can unlink your debit card from the “Clothes Shopping” Pocket and link it to the "Monthly Shopping" Spending Pocket. So, all you have to do is link your debit card to the right Spending Pocket.

2. Set limits for each type of transaction using the Jago Syariah Visa Debit Card

atur limit transaksi harian kartu debit jago syariah visa dari aplikasi jago agar gaya hidup terpenuhi tanpa overspending

To ensure that transactions not only do not use up more than the budget in the linked Spending Pocket but also your daily limit, you can set the limit for each type of transaction. Online shopping, payments by swiping a card on an EDC machine, transactions by tapping on a payWave machine, you can set your own limits.

By setting the daily transaction limit for the Jago Syariah Visa Debit Card, insyaAllah, it will be easier to fulfill your lifestyle needs without overspending.

For those of you who don't have a Jago Syariah Visa Debit Card yet, create one from the Jago application now and request it to be delivered to your home. Check your Account Level here to find out the free quota for creating a debit card that you can enjoy.

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