Friend, have you ever felt that your life is calmer because you are no longer worried about money? You can pay your bills on time, still have time to save, and even treat your friends once in a while without regretting it. If so, it could be a healthy cash flow!
Cash flow is the ratio of money coming in and going out every month. If the money coming in is greater than the money going out, then the cash flow is healthy. Well, here are 5 simple but important signs that show that your cash flow is more stable and healthy. Check it out, where are you?
1. Salary comes in, but doesn’t disappear immediately
Ever been there, just a week of payday but the balance is already left over? Well, if now your salary can last longer and even enough until the end of the month, that’s the first sign that your cash flow is healthy.
You are starting to understand priorities. Which expenses must be met first, and which ones can be postponed. No longer feel the salary is just passing by. The trick? You start to get used to setting aside first for basic needs such as food, transportation, and bills.
Only then think about hanging out, shopping, or entertainment. So, your finances remain under control without having to sacrifice small pleasures.
2. Emergency Fund Gets Fatter
If you already have an emergency fund and routinely increase the amount every month without feeling burdened, it is a strong signal that your cash flow is healthy. You are already thinking long-term and ready to face unexpected events without drama.
Because life is not always smooth. You might suddenly break your motorcycle, get dengue fever, or even lose your job. But with an emergency fund, you don’t need to panic, let alone borrow here and there.
3. Have an Investment
When you can fulfill your monthly needs, and there is money left over that can be invested, it indicates that your cash flow is healthy. This means that your financial management is not only focusing on daily needs, but also starting to think ahead.
Whether it’s digital gold, mutual funds, or stocks, the decision to start investing means you are at a more mature level of financial management. So, if you have routinely set aside part of your income for investment, you can be sure that your cash flow is healthy and you are building a solid financial foundation for the future.
4. No longer tempted by consumptive installments
If you have started to be able to refrain from the temptation of consumptive installments, it is also a sign that your cash flow is healthy. Installments such as the latest gadgets, branded fashion, or items that are not really needed often make finances a mess.
When you can avoid or at least limit these installments, it means that you are wiser in managing money and focusing on the needs that are really important. Avoiding consumptive installments also means you have better control over your monthly expenses.
So, if you are not easily tempted by consumptive installments, it means that your cash flow is healthy and on the right track to have planned finances.
5. You Can Still Have Fun Without Making Your Wallet Scream
One sign of a healthy cash flow is that you can still enjoy entertainment or traveling without feeling your wallet dry or stressed thinking about debt. You no longer need to be afraid after hanging out with friends or watching movies because expenses are well planned.
Being able to have fun without making your wallet scream also shows successful money planning. A healthy cash flow makes you more calm in doing the activities you want without being burdened.
When cash flow is healthy, it means that you are ready to manage your finances more wisely and plan for the future. One smart step to maintain financial stability is to start investing.
Digital gold investment at Treasury can be the right choice because it is easily accessible, safe, and suitable for friends who want to start saving gold value without hassle. Start now to maximize your cash flow and realize a more stable and brighter financial future with Treasury!
