Live More Calmly Starting from How to Manage Finances at Home

Illustration of a peaceful life. (Freepik)

JAKARTA - A healthy lifestyle is not just about eating nutritious food and regular exercise. The way we manage money is also part of a lifestyle that makes life more peaceful.

Starting from simple habits such as shopping according to needs, delaying impulsive desires, to getting used to reading the terms before using payment services, all of which are forms of financial self-care that we can do starting from home.

In the digital age, many people are helped by the convenience of fast and practical transactions. But it's still important to be aware of your own limits. Ideally, installments or routine bills don't make your head spin at the end of the month. Having a spending plan, knowing priorities, and being disciplined to pay on time can keep your quality of life stable. Technology may be sophisticated, but control is still in our hands.

Recently, a digital financing technology company in Indonesia, PT Indodana Multi Finance (Indodana Finance) won an award in the "Indonesia Best Digital Innovation 2025" category of the Finance Group version of SWA Magazine. This award is given to companies that are judged to have successfully brought about a digital breakthrough that has a real impact on the wider community.

The award event was held by a leading business media group and through a fairly strict selection process, starting from the registration stage, administrative assessment, presentation session, to the final evaluation by the jury. The assessment not only looks at the sophistication of technology, but also how the solution is actually used and feels the benefits of the user.

The theme of innovation that was raised focuses on the use of digital payment services as a solution that is easier for the public to access, while encouraging healthier and more responsible financial habits. In the judging process, aspects such as planning ideas, product development, implementation in the field, leadership support, to the real impact on users are important points.

The results showed that the value was in the very good category, especially in the aspect of service implementation, which means that the digital solution was judged to be able to be implemented effectively and really answer the needs of everyday users.

In general, this achievement reflects how digital innovation can help expand people's access to financial services in a more practical way.

Services like this have now reached many cities and regencies, so that more and more people have alternatives to manage payments more flexibly. The advantages that are often highlighted include a fast process, a choice of tenor that can be adjusted, and a data security system that continues to be strengthened for user convenience.

Indonesia Best Digital Innovation 2025. (doc. Indodana)

Iwan Dewanto, Director of Indodana Finance explained that the application prioritizes an innovative approach that goes beyond merely providing digital financing products, but also the development of a more inclusive and responsible digital financing future.

"We are grateful for the award given in the Indonesia Best Digital Innovation 2025 event. This achievement proves that the standard of digital innovation of Indodana Finance has been on the right track to create financing services that are convenient, safe, transparent, and responsible for all layers of society in Indonesia," he said, quoted from the official statement.

In the future, digital innovation in the financial sector is expected to not only focus on user growth, but also on education. People need to be more aware of how to use digital services wisely, namely reading the terms, understanding the costs, and adjusting to the ability to pay. That way, technology really becomes a tool to improve the quality of life, not add to the burden.

In the end, a smart modern lifestyle is a combination of technological ease and personal discipline. Wisely using digital financial services, routinely evaluating expenses, and having long-term financial goals are the foundations of a calmer, balanced, and sustainable life.