Even though it is done in the short term, I think spending more money on unnecessary needs is not a good idea, especially if someone spends more money that is not in accordance with the income they get from work because this is a waste that should be avoided. Borrowing money in any form just to meet the needs of life is a wrong step even though sometimes it is a necessity because there is no other choice and we should be able to avoid such a life if we have better financial management in managing money.

Most people actually look for solutions when they are facing problems such as when inflation occurs and it is certain that in such conditions it will be much more difficult to solve the problem because maybe the needs will increase in line with the increase in goods based on their scarcity in the market. If someone has management in managing their finances, then there is a possibility that they can achieve a much better solution in such conditions compared to people who do not have financial management.