Online shopping is fun. You don't have to leave the house at all. The choice of products varies. And, prices of products sold online are sometimes cheaper.
However, online shopping can make you more extravagant if you can't refrain yourself. This is because online shopping does not use cash. So, you don’t feel like you’ve been spending a lot of money, when in fact you have overspent. So that you don't overspend, you can follow these 3 online shopping tips from Jago.
3 Online Shopping Tips So You Don't Overspend
1. Make a list of what you want to buy
Having a shopping list can make you more focused when shopping online. You can divide the list of needs into two: priority needs and non-priority needs.
Priority needs are something that is indispensable in everyday life, for example rice, meat and vegetables. Meanwhile, non-priority needs are something that you can postpone buying or you don't really need, such as new clothes or shoes.
2. Create a separate Pocket for your online shopping needs and decide the budget
There are many kinds of needs. So that the money for online shopping needs is not used for other needs, you can create a Pocket for online shopping in the Jago application owned by Bank Jago. You can also separate your other needs into their own Pockets.
After the Online Shopping Pocket is created, you can enter the budget that you previously set. Determining the budget from the start is very important so that you don't overspend.
So you are free from the hassle of moving the budget to the Pocket for shopping, use the Auto-Budgeting feature in the Jago application. By activating this feature, the budget will automatically move according to the amount and time you specify.
When the budget runs out, it means that it's time for you to refrain from shopping online. When there is still some money left and all priority products have been purchased, you can use the remaining budget to buy non-priority products.
3. Put Money in a Locked Pocket
Sometimes, having set a budget and a promise not to add more budget into the Online Shopping Pocket are not a guarantee. The temptation to spend is so great that you want to add more budget into the Pocket.
Well, there is one thing that you can do. To save your money from yourself, you can put it in a Locked Pocket. You can transfer the money that is still in the Main Pocket to the Locked Pocket. Don't transfer it to the wrong destination, i.e. your Online Shopping Pocket.
As the name implies, the Locked Pocket will lock your money. You cannot withdraw it until it’s time to unlock the pocket, you choose the duration.
In addition to making you not overspend when shopping online, the Locked Pocket can give you competitive interest, very cool, right?
In order to have a Locked Pocket, you need to create 1 Savings Pocket. Then, after the Pocket is created, you just have to follow these steps:
- On the Pocket Details page, tap the Add Boosters.
- Choose Lock Pocket.
- Set up the amount and tenor.
- Review the details.
- Make sure everything is correct and confirm.
Try the three tips above right away, so you don’t overspend.
*Interest rate can change at any time according to bank policy
