There are many ways to reduce monthly expenses. One of them is by controlling what you buy during shopping, whether it's daily, weekly or monthly shopping.
Shopping Tips to Avoid Overspend and Reduce Monthly Expenses
There are several tips that you can immediately apply so you no longer overspend.
1. Make a shopping list for daily, weekly or monthly needs
Everyone certainly has daily needs that must be met regularly. Examples are cooking spices, toilet paper, fruit, vegetables, meat, and so on. However, shopping styles can be different. There are people who prefer to shop for what they need every day, some prefer to do it weekly or even monthly so they can do it all at once. No problem, as long as you make a shopping list according to your needs and only look at the list when shopping.
2. Not shopping for daily necessities? You can also make a list
Shopping has various purposes, not just to fulfill daily needs. For example, you shop to fulfill your needs during Ramadhan and Lebaran, fulfill your hobby, shop at the end of the month as a self-reward for the results of your hard work, shop every 3 months to help people (outside of zakat and alms) such as buying water purifiers for mosques and prayer mats for orphans so they can pray comfortably.
For all these purchases, you can also make a list. That way, it will be easier for you not to spend money to check out something outside your shopping list.
3. Open one or more separate accounts for shopping needs
Next, you can open a separate account for each type of shopping. If there are 5 shopping categories, do you have to create 5 different accounts? That's better. Don't worry, you can have multiple accounts without monthly admin fees. To find out how, continue reading until the end.
4. Carry out regular budgeting for every expense, including shopping
After having one or more separate accounts for shopping needs, it will be easier for you to allocate funds (budget) regularly. For example, once you receive your monthly salary, you can separate it for various needs.
Because you have created one or more separate accounts for shopping, the funds that have been budgeted will not be mixed with funds for paying monthly bills, building emergency funds, or other priority needs. Make sure you allocate your shopping budget according to needs, so that you don't waste all your money just for shopping. According to Islamic teachings, wasting money is prohibited.
How to Shop Daily, Weekly or Monthly Without Overspending, More Practically and More Rewarding with Sharia Principles
By having a Jago Syariah account that can be accessed via the Jago application, you can take advantage of several features that make it easier for you to shop without having to worry about overspending, more practically and of course more rewarding.
1. Use the Spending Pocket to manage your shopping budget
Continuing the question above about having several accounts for shopping needs, with Jago Syariah you can have many accounts free of monthly administration fees by creating Spending Pockets. 1 Spending Pocket for 1 shopping category. 1 Spending Pocket has 1 account number. Of course, shopping will be even more rewarding because the Jago Syariah Spending Pocket uses Wadiah Yad Dhamanah akad without interest.
2. Shop more easily and live with ease with GoPay Tabungan Syariah by Jago
For those of you who really like shopping for various necessities at Tokopedia, now you don't need to bother topping up your balance to pay what you buy if you already have GoPay Tabungan Syariah by Jago.
From the shopping funds that have been budgeted in the Spending Pocket, transfer the money to GoPay Tabungan Syariah by Jago. Just one top-up is enough to shop many times a month. Top-up is also without balance limit. Apart from being easier, shopping is more controlled and also more rewarding because GoPay Tabungan Syariah by Jago uses Wadiah Yad Dhamanah akad.
Find out the many other benefits of having GoPay Tabungan Syariah by Jago here.
3. Use the Jago Syariah Visa Debit Card and QRIS Jago Syariah to shop according to your budget
If you shop not at Tokopedia, there are 2 Jago Syariah features that you can use. The first is the Jago Syariah Visa Debit Card. Link your debit card to a Spending Pocket for shopping so you can only use the allocated budget. Likewise, when paying for your shopping using QRIS Jago Syariah (second feature), select the appropriate Spending Pocket as the source of funds.
Especially for the Jago Syariah Visa Debit Card, you can also set daily transaction limits so you don't overshop.
Ready to shop according to your budget, but in a way that is easier, more practical and more rewarding? What will you check out soon from your shopping cart?
