There are many good impacts that you can feel from saving money. For example, you can save even more or faster for future financial goals. By saving money, financial security for the future is easier to achieve because you have learned not to be wasteful.
Through saving money, you can also learn to differentiate between needs and wants so you can prioritize what is more important. Debt can also be avoided because you have learned to resist temptation.
How to Save Money Daily and Monthly with Jago Syariah
Here are several ways you can do:
1. Budgeting using the Jago Syariah Pocket
To ensure spending is well controlled, you can budget for each expense. Practical and easy budgeting can be done by using the Jago Syariah Pocket. Each Pocket created has its own account number.
Create 1 pocket for each type of expense and allocate budget regularly to each Pocket. Make sure you only use the budget that has been allocated without adding more if it has run out.
Another way to control spending is to use the Jago Syariah Debit Card and QRIS Jago Syariah. Both can be linked to the selected Spending Pocket when you make a transaction or payment.
2. All Jago Syariah Pockets can be created without monthly admin fees
You can create more than 1 Pocket for each type of Pocket. And, regardless of the number of Pockets you create, there are no admin fees charged to you every month. So, you can always be ahead in managing your finances according to sharia.
3. Take advantage of the Account Benefits
As a Jago Syariah user, you can take advantage of Account Benefits that help you save money more easily. For example, the free quota for transfers, e-Wallet top-ups and cash withdrawals.
You can also buy additional quota for Account Benefits with Syariah Plus. You can buy this additional quota once a month.
4. Take advantage of the benefits of the digital ecosystem by linking your Jago Syariah account with partners
Apart from those related to the Account Level, there are other benefits when you make use of the Jago Syariah digital ecosystem.
You can enjoy free GoPay top-ups without quota limits. However, it doesn't stop there, you can also use the Jago Syariah Pocket as a payment method on Tokopedia. So, you won’t overspend because you only use the budget allocated to the Shopping Pocket.
If your Jago Syariah account is linked to Bibit, you can enjoy free Bibit top-ups for purchasing mutual funds. It saves you money since you don't have to pay transaction fees.
Always be in Advance in Saving According to Sharia with Jago Syariah
According to financial planner Rista Zwestika, accumulating wealth for the sake of living comfort is something that can be done, as long as the method is halal and in accordance with sharia principles (reference: Republika).
In saving according to sharia to achieve financial goals, you can choose from the options for saving or investing at Jago Syariah. So, apart from the budget that has been allocated for savings, the money you save can also be added to savings.
1. Save without interest using the Jago Syariah Saving Pocket
One of the types of savings that you can choose in the Jago application if you already have a Jago Syariah account is wadiah savings in the form of a Saving Pocket. With Wadiah Yad Dhamanah akad, you can deposit and withdraw your money at any time. During the saving period, you will not earn interest, according to sharia.
2. Invest using the Sharia Deposit to get profit sharing
For those of you who want to save money and get profit sharing, you can consider the Sharia Deposit product from Jago Syariah. It is also suitable for those of you who want to practice resisting the temptation to dip into savings. Using Mudharabah Muthlaqah akad, the Sharia Deposits provides profit sharing. Check the latest profit sharing ratio for the Sharia Deposit here.
Beyond Saving More Money: It's Also More Rewarding
Not only can you save money, having a Jago Syariah account makes saving and managing your finances even more of a blessing. This is because Jago Syariah uses akads that comply with sharia. As stated above, for the Saving Pocket and Spending Pocket, the akad is Wadiah Yad Dhamanah without interest. For the Sharia Deposit that provides profit sharing, the akad is Mudharabah Muthlaqah.
What about you? After successfully saving more money, would you choose to save in the Saving Pocket or Sharia Deposit or both?
