How to Manage Finances to Stay Healthy in the Digital Era

JAKARTA - The development of digital technology makes various daily activities more practical. From shopping for household needs, buying work supplies, to meeting personal needs, everything can now be done more easily through digital devices.

This ease also changes the way people manage finances. Various digital financial services are available to provide options in meeting needs, including financing facilities that can be used according to each person's ability.

However, the ease of accessing financial services also needs to be balanced with the habit of managing finances wisely. Before making financial decisions, it is important to understand the needs, ability to pay, and the consequences of each transaction made.

One of the simple steps in managing finances is to distinguish between needs and wants. Needs are something that is really needed to support daily life, while desires usually relate to things that are not urgent.

Making a priority list can help a person determine which expenses need to be prioritized. In this way, shopping decisions are not only based on momentary desires, but also consider the overall financial condition.

This habit is becoming increasingly important in the digital age because various product and service options can be accessed with just a few touches on the phone screen.

Everyone has different financial conditions. Therefore, financial ability needs to be the main consideration when using financing facilities.

Before making transactions with the gradual payment system, the public should recalculate their regular income and expenses. Make sure that payment obligations do not interfere with basic needs, emergency funds, and other financial plans.

Making a monthly budget can also help find out the limits of financial ability. By recording income and expenses, a person can more easily see if a transaction is in line with their financial condition.

Digital lifestyle is not only about convenience, but also about the ability to use technology responsibly. Each financial service has provisions that need to be understood before using it.

Information regarding the cost, tenor, payment schedule, and other provisions should be read carefully. Do not hesitate to seek additional information if there are parts that are not understood.

The public also needs to ensure that the financial services used have legality and are under the supervision of regulators in accordance with applicable regulations. This is one of the important steps to maintain security and convenience in transactions.

"The success of collaboration in the previous phase has become a strong foundation for us to expand the expansion and partnership for Indodana PayLater services in various regions of Indonesia. We appreciate the continued trust that has been given by Bank BCA and we will optimize it in strengthening a healthy and sustainable financing economy," said Mira Wibowo, President Director of PT Indodana Multi Finance.

Ease of access to financing should be followed by an understanding of user responsibilities. Financing facilities are not additional income, so users still need to take into account the ability to meet payment obligations.

Wise use can begin by determining the purpose of the transaction, calculating the ability to pay, and avoiding excessive use of financing facilities.

With careful planning, financial technology can be part of a healthier digital lifestyle. Conversely, the use without calculation can risk making spending uncontrollable.

Ease of access to digital financial services is one part of financial inclusion development. The wider the community has access to financial services, the more important it is to understand how to use them responsibly.

Liliani Kurniawan, SVP Head of BCA Corporate Branch Office, said that the cooperation between BCA and Indodana Finance was forged with the aim of bringing positive impact to the community.

"BCA is committed to supporting the improvement of national financial inclusion. Disbursing funds through digital platforms such as Indodana Finance is one of the ways to do so. We believe that the responsible disbursement of funds from trusted companies will have a positive impact on society, while strengthening the foundation of the digital financing industry in Indonesia," said Liliani.

Therefore, financial literacy is an important part of modern people's lives. Not only understanding how to use a service, people also need to know the risks, costs, and obligations that come with it.

Managing finances well can actually start with simple habits. For example, recording daily expenses, making monthly budgets, setting aside funds for emergencies, and re-evaluating expenses that are not too important.

This habit can help a person be more aware of their financial condition. That way, every financial decision can be made based on needs and abilities, not just because of easy access.

In the midst of digital lifestyle developments, proficiency in managing finances is one of the increasingly important skills. Technology can provide many conveniences, but the final decision is still in the hands of the user.

The use of healthy financial services should always prioritize the principles of prudence, transparency, and financial ability. In this way, the ease of technology can be used to support daily life without neglecting financial health in the long term.

As part of its efforts to expand access to digital financing services, Indodana Finance said that the Indodana PayLater service is available in more than 180 cities and regencies in Indonesia through online and offline merchant partners as well as retail networks.