4 Tips for a Calm Life Without Debt when Your Salary is Mediocre, You Can Do It!

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A mediocre salary is indeed very challenging to manage. However you have to make enough income to meet various needs for a month. So, so that you can live in peace without having to go into debt here and there with a mediocre salary, there are some tips you can do. Anything? Read on!

1. Set aside 10 percent of salary for savings

Whatever your current salary, try to force yourself to set aside ten percent of it to save. This is very important, you know, as an emergency fund.

We never know what will happen in the future. Therefore, if there is an emergency fund, when something unexpected happens, you have spare money that will keep you out of debt.

2. Separate money into envelopes

So that you are disciplined with spending as needed, try making a budget. If you have made a budget, divide your income into several envelopes according to the category. For example, for transportation, food costs, and so on.

If possible, routine expenses are divided into four weeks. That way, you avoid spending outside your budget, let alone getting into debt here and there.

3. Avoid buying the things you want, focus on your needs

You have to accept the fact that your salary is still mediocre. In order to live a quiet life without debt, then inevitably something must be sacrificed, namely desire.

Just focus on meeting the needs first. At least the thing you should be grateful for, you don't need to go into debt to meet those needs, right?

4. Find additional income

Always living on a mediocre salary is definitely not good, right? Well, the solution is to look for additional income, or if possible find another job that can provide a better salary.

If your income increases, then you can use it to invest for financial security. Not only that, if your income is large, then you can buy the things you want without having to go into debt.

Those are 4 tips to live quietly without debt even though the salary is mediocre. There are many ways to get into debt today. Unfortunately, if you comply with your wishes, your life will become difficult to calm down due to constant thoughts on installments. Try doing these tips, so you can live a peaceful life without debt!