Managing your THR wisely is crucial to maximizing its benefits. By utilizing the Jago application, you can effectively allocate your THR towards various financial goals and ensure that your THR is spent the right way.
Manage the Allocation of THR across multiple Jago and Jago Syariah Pockets
How can you ensure that your THR funds are used effectively for your priority needs, instead of simply being spent?
1. Prepare for the future using your THR
The THR money you receive can be used to start preparing for future financial goals, such as saving for children's education, buying a house, or performing Umrah and Hajj.
Save and invest at Bank Jago & Jago Syariah and the Ecosystem
The Jago application simplifies THR money distribution by allowing you to create a Pocket for each specific need. If you have two savings priorities, you can create two Savings Pockets. Then, transfer a portion of your THR money to these pockets and maintain a disciplined saving approach to reach your goals.
The Jago application allows you to create numerous Pockets to accommodate various needs.
In addition to saving in the Savings Pocket, you can also save THR money in Jago Term Deposits/Sharia Deposits.
Alternatively, you can invest a portion of your THR in mutual funds or stocks within the Jago and Jago Syariah ecosystem, specifically Bibit and Stockbit.
Also read: How is Jago Syariah Different from Jago?
2. Prepare sacrificial savings using your THR
Another good deed you can do after receiving THR is to set aside it for sacrificial savings.
Prepare sacrificial savings the way you want, according to your principles at Bank Jago & Jago Syariah
Start saving early: Begin saving for next year's sacrificial animal during Ramadan and maintain your savings habit using the automatic saving feature in the Jago/Jago Syariah Pocket. You can choose a daily, weekly, or monthly saving frequency until the next Eid al-Adha.
Save together: Did you know you can save for sacrifices with family and friends using the Shared Pocket feature? Learn more about using the Jago/Jago Syariah Shared Pocket here.
3. Pay off existing obligations using your THR
Use your THR to settle any outstanding debts. This will bring you peace of mind and alleviate anxiety or stress in your daily life.
4. Give donations using your THR
As a Muslim receiving the benefit of THR, you can share that happiness by assisting those in need. During Ramadan, ensure you fulfill your zakat obligations and consider giving additional sadaqah.
Give zakat and sadaqah with Bank Jago & Jago Syariah
Jago Amal in the Jago application allows you to conveniently pay zakat and sadaqah anytime and even offers named payments for both. Jago Amal is transparent and trustworthy, using Wakalah akad and working with various trusted amil organizations to distribute your zakat and sadaqah.
5. THR, in the right portion, can be used for personal enjoyment
While it is advisable to allocate the majority of your THR towards savings, investments, and priority needs, it's perfectly acceptable to indulge in some personal enjoyment or buy what you want with a small portion of your THR.
Manage Expenses Well Using Spending Pockets and Make Transactions Using Jago/Jago Syariah Debit Cards and QRIS
Jago application has the Spending Pocket feature to manage various expenses. You can allocate a portion of your THR to your Spending Pocket and use your Jago/Jago Syariah debit card or QRIS to shop according to your budget. When making a payment, you can choose the right Spending Pocket using QRIS and your Jago/Jago Syariah debit card. This helps ensure that you spend according to your budget allocation and avoid overspending.
With Bank Jago & Jago Syariah, spending your THR right is easier when you use the Jago application to help you.
