Manfaat Sabun Srikandi dan Penggunaan TWC

TWC Consultants on Instagram: "Tips for managing your finances. 📌 1. Track Your Spending Use an app, spreadsheet, or notebook to track every expense. Know where your money is going—small purchases add up. 📌 2. Create a Budget Follow the 50/30/20 rule as a starting point: 50% needs (rent, groceries, utilities) 30% wants (dining, entertainment) 20% savings and debt repayment Adjust based on your income and goals. 📌 3. Build an Emergency Fund Save at least 3–6 months' worth of expenses in a sepa