Receiving a salary every month feels so good. Alhamdulillah, with your salary, you can fulfill many needs. Not only for your own needs, many of you may have to fulfill your family's needs, such as paying your parents' monthly bills or paying for your younger sibling's tuition fees.
Because of the many expenses, sometimes you can forget to save or pay for rent. Having savings is important and of course you don't want the owner of your boarding house to get angry. To keep your finances organized until the following month, you can start managing your salary. The easy and practical way is to use 60 Jago Syariah Pockets, which is the same as using 60 bank accounts.
Open Up to 60 Accounts in Jago Syariah Pockets to Manage Monthly Finances
You didn't read wrong. With Jago Syariah you can have a maximum of 60 bank accounts because each Jago Syariah pocket is equipped with its own account number. Practically, all accounts can be monitored in 1 application, namely the Jago application. What Pockets can you have with Jago Syariah?
1. Have a lot of expenses? Separate them in 20 Spending Pockets
The necessities of life are indeed many and to have the right allocation for each expense, you can separate them. Do not let most of your monthly salary be allocated only for shopping and indulging in snacks, to the point that there is nothing left to pay monthly bills.
To ensure the funds for each expense don't mix with one another, you can create 20 Spending Pockets. For all monthly bills, you can put them in 1 Pocket so it's more practical. Make a list of bills that need to be paid every month so that the allocated budget is correct. But if your expenses in a month are not that many, you can separate each bill into a different Pocket.
What are your other expenses in a month? Transportation to work, transfers to mom and dad, zakat and sadaqah, 3 meals a day, weekend entertainment? Create Spending Pockets as needed. When you have received your salary in your account, immediately move money to each Pocket so that monthly finances remain organized and until the next payday.
2. Don't forget to set aside money to save in 20 Saving Pockets
You have worked hard, of course it is only right to enjoy the fruits of your labor. Therefore, always set aside money to save every month. You can start with priority savings such as an emergency fund first so that your heart remains calm even when an emergency or urgent situation takes place.
Furthermore, you can also save for short-term financial goals such as sharing your kindness through buying animal sacrifices during Eid al-Adha, staycations with your family, saving money to buy gadgets and Muslim clothes.
Just like the Spending Pocket, you can also create up to 20 Saving Pockets so that the savings for the 1st goal and 2nd goal don't mix. This way it will be easier when you want to monitor the progress of each savings.
Apart from ensuring that your finances stay organized until your next payday, you can enjoy managing your monthly finances and saving more blissfully with Jago Syariah. Why? Because all the Saving Pockets and Spending Pockets use Wadiah Yad Dhamanah akad without interest according to sharia principles.
3. Start investing or prepare funds for long-term financial goals in Sharia Deposit
Interested in trying to invest, have long-term financial goals or future dreams to achieve? As the term implies, long-term financial goals usually take a long time to achieve and a sizable amount of money. Setting up a child's education fund until they graduate from university, saving money so your parents can perform hajj, and saving money to buy a house, all of which can be categorized as long-term financial goals.
Secure your funds in the Sharia Deposit. You can save from Rp1,000,000 and choose your own saving period according to your needs, whether it's 6 months, 12 months or even 24 months. It can also be as short as 1 or 3 months.
By investing or saving money in the Sharia Deposit, you can get a distribution of competitive profit sharing according to Mudharabah Muthlaqah akad. Have peace of mind because Mudharabah Muthlaqah akad in the Sharia Deposit is also in accordance with sharia principles.
Alhamdulillah, by consistently saving money and properly managing your finances and monthly expenses using 60 Jago Syariah Pockets, you can live your daily life without burdens and with peace of mind.
