Everyone has their own way of managing their own finances. For those of
you who have a career, especially women, you must have understood the
importance of managing finances so that the future is more secure and does
not depend on your partner.
Although the average woman will eventually marry and have a partner,
developing habits and ways to manage finances effectively needs to be done
early on. This is done so that you ladies can live independently and
prepare for a better future.
The following are the characteristics of women who are able to live
independently and are good at managing finances. Maybe some of them
already reflect your personality!
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Characteristics of a Financially Independent Woman
1. Have a Job or Fixed Income
Having a job or steady income indicates that you have financial stability.
There are still many women there who still find it difficult to find work
and depend on their partners every month to earn income.
In addition to financial stability, you are also free to manage your own
finances because the money comes from your own efforts or efforts.
2. You can pay for your own accommodation, meals, and bills
Having a fixed income of millions means that you can easily meet monthly
needs such as paying for boarding, eating every day, or paying electricity
and water bills.
Being able to pay for these things smoothly is a sign that you can live
independently, right? You also don't need to go into debt here and there
or rely on your family and partner to help make a living every month.
3. You can regularly save even if it's not much
If you can save regularly every month then you are a fairly independent
woman. Being able to meet the necessities of life every month is one
thing, but if you can still save, that's a great sign. Many ladies out
there have extravagant habits that make it hard to save.
Being able to set aside money every month even if a little already
reflects that you are nimble in managing finances.
When you get used to
it, it's not impossible to increase the amount of your savings, right?
4. You can buy branded goods with your own money
If you can buy branded goods with your own money, of course you can save
and even have more money to meet other needs.
If you are able to style with your own money, it means that you are
independent enough as a woman. But keep in mind, these branded goods are
tertiary in nature.
So it's better not to buy it often if you want to live frugally. You can
buy branded goods once in a while, it's cool, you don't need to force
yourself to buy it.
5. Have a Credit Card Without Arrears
Have a credit card but never late for payments? Good. A sign that you can
shop smartly and still be able to pay the bill every month. It's even
better if you don't have arrears and can immediately pay it off every
month. Not having credit card arrears certainly reflects healthy finances.
Remember to always use a credit card according to your needs and usage
limits so you don't waste it. Even though it's easy to use, you can be
surprised if the bill has accumulated later if you don't control it.
6. Have a Side Job
Having a steady income is a good thing, but having a side job to make
extra money is cool. Having a side job, of course, you are able to take
advantage of the opportunities and skills you have well. This reflects the
characteristics of independent women.
You know opportunities when they come and know what skills you have. Not
all women can use these things as a source of money.
7. Have Your Own Retirement Savings
Saving regularly is sometimes difficult, if you have retirement savings it
means you are independent enough. Preparing for old age is very important,
especially if you have a family and give birth later.
By having retirement savings early on, then at least your future can be a
little more secure. Separate some of your income for old age so that later
you can live in peace when you retire.
8. You can invest regularly
Having an investment of any kind is a sign of financial freedom. If you
are able to spend income to invest then your finances will be more secure
in the future.
Keep in mind, investments can be made in the short, medium, or long term.
As much as possible, invest in any form so that your money can continue to
grow.
Investment does have different risks. So if you are able to invest, make
sure you know the risks and benefits.
Women Can Be Financially Free Too
Financial freedom is not only achieved by men. You as a woman must also be
able to manage finances well so that you can be more independent and not
dependent on your partner.
If you already have some of the characteristics above, it means that you
are on the right path.
