The presence of electronic money (electronic money / e-money) is now very helpful and facilitate in conducting various transactions. You can make any payment easily at any time and anywhere without having to use cash.
Not only done for transactions or payments, even now e-money can be used to withdraw cash.
This is already regulated by Bank Indonesia (BI). However, the realization is only implemented in several major cities only and only conducted financial institutions that specifically produce e-money cards.
Unfortunately, this ease often makes many people behave negligently and trigger inconsiderate consumer behavior. In fact, the presence of e-money is intended to facilitate transactions not to harm you.
Well, if you used to use e-money, it’s good to use it wisely with the following tips.
1. Use E-Money Pursuant to Destination
Before using e-money, make sure you know what your purpose is, for what e-money will be used. This is important so you can know exactly where your money is spent.
For example, you want to use it for public transportation such as to pay for Transjakarta or Commuter line fare or to pay tolls.
You need to adjust the amount of balance that will be filled for those needs over the course of a month.
2. Consider Well Before E-Money is Used to Shop
Using e-money does make transactions easier and more practical. You just need tap, all transactions can be paid easily. However, this sometimes triggers people to behave consumptively so as to make the expenses even become wasteful.
It would be wise if you think long before you will use the e-money. For example, are these items important?
Is his need urgent? Is it useful for the long term? If so, you can use e-money. However, if not, it’s worth rethinking.
3. Avoid Utilizing Excessive Promotion
One of the advantages of using e-money is the number of promotions you can take advantage of.
In fact, some e-money card issuers typically work with several vendors, such as restaurants, supermarkets, and others that provide special discounts to their users.
Of course this is very profitable, but not to make you easily tempted by any promotions.
Instead, it is not making a profit, but making the spending more extravagant. Occasionally you can take advantage of promotions, but not too often.
4. Remember, E-Money Itself Is Cash Also
The mistake that e-money users often make is to make e-money as if it were not money so lightly wear it.
For that, use e-money wisely by treating it as if it were cash.
Record any expenses made using e-money. That way, you do not exceed the limit when using it.
5. When the Big Numbers of Transactions, Avoid Use E-Money
If you transact with a larger amount, it’s good to use a debit card. Avoid using e-money.
Save it and use it as planned. This is because the debit card has a larger balance allowing you to make transactions smoothly
6. Kind Know More Features of E-Money
The important thing that e-money users need to know is the understanding of e-money features so as to minimize the risk of online fraud.
For example, if you want to use e-money service, you can check all updated information from the official website hargapromosupermarket.com.
That way, you can avoid any possible fraud attempts by irresponsible parties.
Be Wise in Using E-Money
The presence of e-money is easy at the same time can be harmful if not used wisely.
For that, use e-money in accordance with your original goals. Do it consistently and discipline. Do not conduct e-money transactions outside of the planned.