Yogyakarta, CNBC Indonesia \u2013 UGM Branch Office BNI Brand Manager Diah\nCharmaningtyas has urged young people to avoid using paylater services\ntoo frequently, warning that such practices can lead to unhealthy\npersonal finances.<\/p>\n
During an Edu Class titled \u201cFinancial Management for Sustainable\nGrowth\u201d at the Jogja Financial Festival 2026, Diah explained that\npaylater payment options are closely linked to impulse buying, as\nindividuals tend to purchase items without considering whether they\ntruly need them.<\/p>\n
\u201cIf we don\u2019t carefully calculate and track our purchases, we become\nunaware of mounting instalments, leading to a lifestyle that outpaces\nincome growth,\u201d Diah said during the Edu Class session on 24 May\n2026.<\/p>\n
She also noted that young people often subscribe to digital services\nsuch as Spotify, YouTube, and Canva for entertainment or education,\nsometimes forgetting to cancel subscriptions after use, which can erode\nincome.<\/p>\n
Therefore, individuals must manage their budgets for various needs.\nWhen making purchases, they should have a financial plan that tracks\navailable funds, outgoing expenses, and the purpose of each\npurchase.<\/p>\n
Proper planning allows individuals to meet their needs without\nworrying about financial strain.<\/p>\n
\u201cIf you only track income but not cash flow, sustainable financial\nmanagement won\u2019t work because focusing solely on incoming funds is\ninsufficient. The key to measuring cash flow is consistency,\u201d she\nconcluded.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/young-people-warned-against-overusing-paylater-services-amid-financial-risks-1780360061", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }