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Quick note: if you’re trying to get better with money without spreadsheets, this guide is a practical starting point. 5 Ways to Audit Monthly Expenses to Prevent Going Broke Auditing doesn’t have to be as complex as a corporate financial report. You can start with practical steps that are relatable to your daily life. Here […]
How to Save on Food for 500k a Month: Realistic Tips! Ever felt your wallet suddenly go ‘bone dry’ even though it’s only the middle of the month? For many young people, students, or first-jobbers, food expenses are often the biggest ‘budget thief’ in the monthly plan. Imagining three meals a day with a total […]
5 Key Differences Between Emergency Funds and Insurance for Young Professionals Ever felt anxious while looking at your bank account balance? On one hand, there’s a sense of pride because you finally have your own savings after working hard for a full month. But on the other hand, horror thoughts creep in: “What if my […]
5 Essential Criteria for When to Use Emergency Funds and Savings Knowing when to use emergency funds is one of the most important aspects of personal finance. It’s the difference between having a safety net and accidentally falling into a debt trap. In this guide, we will explore the rules of engagement for your savings. […]
Why Calculating an Emergency Fund Based on Your Salary Doesn’t Mean ‘Saving Leftover Money’? One of the biggest mistakes young people make today is treating an emergency fund as ‘leftover money.’ The usual scheme is: Salary comes in – pay bills – hang out – then save whatever is left. The problem is, that ‘leftover’ […]
Quick note: if you’re trying to get better with money without spreadsheets, this guide is a practical starting point. Why the Complete Guide to Expense Tracking is a Survival Skill in the Modern Era In the digital age, where payments are made with a single click or a quick scan, money has become increasingly “invisible.” […]
Managing finances with your significant other is often a challenge, especially if everyone has different spending habits. Money issues aren’t just about the numbers; they’re about trust and openness. In 2026, using finance apps for couples is no longer just an option—it’s a necessity to keep your relationship harmonious and free from “who pays for […]
Why Does Your Money Disappear Even Without Luxury Buys? Many of us are stuck in the mindset that as long as we aren’t buying million-rupiah items, our finances are safe. Unfortunately, the psychology of spending isn’t that simple. In this digital era, there’s a phenomenon known as the reduction of the Pain of Paying. When […]
Have you ever stood at a convenience store cashier, wanting to log a Rp15,000 expense for an iced coffee, but suddenly your reliable ad-free expense tracker apps choice pops up a 30-second game promo video? It’s incredibly frustrating. Small moments like this are often the main reason why many people—perhaps including you—fail to build a […]
