The trend of e-wallet products or digital wallets has recently increased, including in Indonesia. You don’t need to carry lots of cash. Moreover, some digital wallets are currently issuing cashback promos.
For example, Go-Pay, OVO, and Dana, which in certain periods have promos with up to 60 percent cash back.
In addition, LinkAja, a digital wallet belonging to the State-Owned Bank Association also offers attractive promos at the start of its launch.
However, the existence of the e-wallet tends to make the community consumptive. For example, someone actually doesn’t really need food or goods, but sees a cashback promo, unconsciously some people will buy it.
In fact, if there is no cashback, you don’t certainly want to buy it. You may find it harder to refrain from buying food or items that have promos from a digital wallet.
In order to be more restrained and wise in using digital wallet cashback promos, here are some tips for you:
Use only one or two applications
Don’t have a lot of digital wallet account because it will be confusing when there are promos at the same time. It will also make you provoked to buy using a different digital wallet for different goods or food, which is actually not really needed. You have to be focused on only one or two digital wallets and pretend not to know if there are other promos.
Limit the balance
Fill in your little digital wallet from a savings account. Use it only for important things, such as transportation or buying lunch when not carrying a lot of money. A small amount of balance will make you more refrained from shopping rather than filling in large amounts at the beginning.
Desire or need?
Desires and needs are certainly two different things. Need is something that you need so you have to buy it. While the desire is more on hunger eyes which mostly lead to regret being wasteful. Therefore, think twice before buying goods or food that has a cashback promo.
Examine the terms and conditions
It is written a 60 percent cashback promo. Without thinking, those who see it will immediately buy food or goods.
Imagine, if you buy with a total price of IDR 500,000, you will get a refund of IDR 300,000. Unfortunately, there is a note stating that cashback is a maximum of IDR 20,000 or IDR 25,000. Therefore, you have to check the terms and condition of the promos given, whether accordance with what was advertised or with additional notes.
Read more: Are Indonesian Ready to be Cashless Society