Holidays are over, the euphoria of the celebration of Christmas and New Year has also passed. This means it’s time for us to re-tighten our headbands and get excited again about facing our daily routine. One more thing that cannot be excluded is managing finances after the end of the year holiday. Expenditures during holidays can involve the use of credit cards and KTA. Of course if you are among those who use credit cards and KTA to finance holidays, then there are responsibilities that must be met, namely paying bills and managing finances to stay stable after vacation.
Back to Saving to Recover Finance
Even though there is a lot of expenditure, it does not mean you stop saving or even use the rest of your savings. You have to be wiser in using savings. Set aside at least 10-20% of the first post-vacation salary to be saved immediately. To add savings, you can also look for side jobs like being a UBER driver . You can take this job after returning home (if you are an employee). If you have skills in other fields, for example being an article writer or language translator, you can find work at a side job search site for freelancers.
When on vacation you usually tend to be more eager to shop, but remember to adjust ah vacation after you have to re-save money and control shopping. The steps that can be taken are of course by reducing spending. You must know exactly what funds can be spent and which are not. Know exactly what you need and which is not necessary . If indeed your financial condition is better, there may be some costs that really need to be trimmed and do not need to be spent in the future.
Pay Remaining Debt Obligations Taken During Holidays
If you have a loan taken while on vacation or using a credit card in excess during the holidays, this is the time to pay off the debt. Don’t forget to always pay bills regularly so that your Historical IDI stays in good condition. But on the other hand, if you are unable to meet your bills to the full, you can also take advantage of a relief program in the form of a 1x discount discount, low interest installments and extended tenor, or a combination of both. You can get a relief program through a debt management service company that will certainly provide a solution for you.