Living in an era where everything is easy and convenient, thanks to technological sophistication, is second to none. What you want to eat, you can directly order and wait for the food to be delivered. If you want to shop for your daily needs, you don't need to stop at the supermarket or market anymore.
Although it's nice to be able to buy all kinds of delicious food without having to leave the house at all, if you don't pay attention to how much you spend on these conveniences, you might not have the money to meet other needs.
In fact, there are a number of other needs that are more important in nature, such as paying various monthly bills and setting aside money for savings.
In the end, there is a question you should ask yourself. Have you been spending too much money on food delivery services?
Have You Been Spending a Lot of Money on Food Delivery Services?
To find out if you have been spending too much money on food delivery services, you can look at your transaction history in your Jago application.
In addition to transaction history, you can also view expense categories through the Spend Analysis feature in the Jago application, if you have grouped each expense into the right category.
You can monitor expenses in the last few months to draw conclusions. Looking at just 1-month spending is not enough because there are some external factors that can play a role. For example, when you are on an assignment outside the city. It makes it difficult to cook like when you live at home.
After getting an accurate account, you can compare it to other expenses and how much you earn in a month.
Spending Rp 1 million on food delivery services is probably something normal for those who earn Rp 10 million per month. However, those who earn Rp 5 million per month but spend Rp 1 million on food delivery services need to reassess their spending.
How to Cut Down on Food Delivery Services
If you find that you spend too much money on food delivery services, it doesn't mean you have to completely cut your spending on them.
You can reduce the frequency of ordering food and having them delivered to your house by starting to cook yourself. You can also ensure that the money has been allocated in advance for priority needs like the ones stated above. And, do you have any financial goals you want to achieve? If so, the money can be used for savings in order to achieve financial goals faster.
Another way you can do this is to start setting a budget for food delivery services and other needs. You can start with the important needs first.
So you don't overspend, you must be disciplined and honest with yourself by always sticking to the budget that has been set. If the budget reaches zero, you should not use the food delivery services until your next payday.
To make it easy and practical, you can use another feature available in the Jago application, namely Pockets. There are 20 Savings Pockets and 20 Spending Pockets that you can use to separate various needs. After creating a Pocket, you can enter its allocated budget.
There is one more way that you need to know. It turns out, if you want to order food using delivery services as much as you want without spending uncontrollably, you actually can: via Jago on Gojek.
Haven't used the Jago application yet? You can download the Jago application here to become superb at managing finances. If you already have the Jago application, you can immediately take advantage of the features mentioned above.
