5 Tips to Save Money on Using a Digital Wallet, So You Don't Spend Too Much

The existence of digital wallets has helped a lot to speed up our transactions. Unfortunately, you may be using it too much if it is not calculated correctly. Because of the convenience of digital wallets, people have become accustomed to buying things without thinking carefully. Check out these five saving tips on using a digital wallet so you won’t spend too much money! One of them is by using digital banking!

Set Limit Amount of Balance
The first saving tip is to set a limit on your digital wallet balance. It is even better to top up your digital wallet balance once a month so you won’t spend too much on administrative costs. Although the administrative costs are not much, you will feel the effect if you do it many times a month.

For example, you use a digital wallet to pay bills or buy your favorite snacks. Then you can enter a balance that is only sufficient to pay for the transaction at the beginning of the month.

Take Advantage of Promos
One of the benefits that users feel from the existence of a digital wallet is the number of promos offered. Each digital wallet has a different and attractive promo offer. However, these promos will make you spend even more if you are not careful.

Before using the promo, you should pay attention to the terms and conditions of each promo. Also, compare this promo with other promos from different digital wallets if you have more than one digital wallet. Use the promo that gives you the most profit. Pay attention to the discount or cashback offered and the minimum payment to get the promo. If it's not worth it, you'd better not use it.

Regularly Monitor Digital Wallet Usage
Don't forget to monitor expenses from your digital wallet because you most likely spend a different amount of funds every month. For example, last month, you had no unexpected expenses, but you received many offers to have dinner with friends this month. Therefore, you need periodic checks to ensure that your transactions follow your set portion.

If there are unnecessary expenses, you can eliminate them for the next month. Reduce consumptive and impulsive spending so you can save more.

Now you can easily monitor digital wallets' use by registering for m-banking. The reason is that these days many m-banking applications allow you to top up directly to a digital wallet. Each top-up transaction is recorded in the transaction mutation so that you can monitor the use of digital wallets.

Top Up Only As Necessary
To not waste too much money, ensure that the amount of top-up balance you enter is not excessive to avoid consumptive nature. If there is more unused balance in a digital wallet, people will usually use it to buy something they don't need or feel guilty because the balance should be transferred to savings. For that, calculate and plan your finances well so you can find the limit on the amount of balance in the digital wallet of your choice.

If you want to top up your balance to your digital wallet, use digital banking PermataMobile X. In the PermataMobile X application, you will feel the convenience of transacting quickly and efficiently. You can top up your digital wallet in just a second. You can also save the digital wallet number as a favorite to shorten the top-up process in the future.

Take Advantage of Digital Wallets to Manage Finance
The last saving tip is to use your digital wallet to manage finances. If you have more than one digital wallet, try to divide the funds according to the function of your digital wallet. For example, one digital wallet is for paying bills, and another digital wallet is for transportation or buying food.

Manage your finances wisely so that the existence of a digital wallet does not make you become a wasteful person. Use digital wallet features properly, such as transaction records, to monitor your financial flows, and pay close attention to the promos offered so that you are not easily tempted to spend money.

Experience maximum convenience with PermataMobile X digital banking. Not only to top up your digital wallet balance, but PermataMobile X also comes with hundreds of features that will simplify your banking activities. Enjoy transfer speeds, top-up, and pay bills in seconds. You can also check mutations for up to 12 months, apply for credit cards and KTA, open an account, and more.
To enjoy the various conveniences offered, you only need to read how to register for PermataMobile X m-banking below:

• Download PermataMobile X via Google Play Store or Apple App Store.
• Open the app, and select 'start'.
• If you already have a PermataBank account, select "yes" to the question "Do you have a PermataBank account?".
• Vice versa, select "no" to the question "Do you have a PermataBank account?". You will be directed to PermataStore to open an account. 
• Select "no" on the question "Do you have a PermataMobile X user ID?".
• Choose whether you want to register using an account number or a credit card.
• Follow the next instructions until it's finished, and you can use your user ID.

Without coming to a PermataBank branch office, you can now register for m-banking anytime and anywhere by following the steps mentioned above.

With hundreds of advanced features and an easy way to register for m-banking, PermataMobile X is a digital banking breakthrough you cannot miss. Download PermataMobile X now and experience the convenience of banking transactions from PermataBank!