Housewives are the backbone of every Indian household. Although they remain in the backdrop, we cannot deny the fact that homemakers and housewives play a major role in Indias economy. They form an important part of the buyers community who move Indian markets. Therefore, educating the Indian Housewife to go cashless is imperative to make India a cashless economy.
Be a smart housewife. Here are 10 ways a housewife can go cashless and be a champ:
Salary payments to house-helps, gardeners, handymen, etc.
1. Use Digital Wallets and UPI Apps
Go beyond using your smartphone just for Whatsapp and Candy Crush. Being a housewife, you are a quick learner. Download those mobile wallets and UPI apps today. These apps are easy to operate. Encourage your maid, house-help, handymen, gardener etc. to download these digital wallets and UPI apps on their phones and educate them on their use. Next step? Go cashless by making their salary payments through these digital wallets and UPI Apps.
2. No smartphone? Try USSD Banking
In case you, your maid or anyone else, to whom you need to make a payment, does not have a smartphone, you can always opt for USSD Banking. Using the National Unified USSD Platform (NUUP) anyone even with a basic GSM mobile phone can transfer money to others.
3. Transfer money through Net Banking
Sign-up for internet banking today. This service is provided free of cost by banks in most cases and is quick and a very easy solution for making regular payments. If you are making payment to anyone on a regular basis, you can add them as your beneficiary and make quick payments through bank transfers immediately.
4. Write cheques
During the demonetization drive, the banks saw a rise in cheque transactions. Cheques, although time-taking, are an evergreen way of going cashless with limited to none hazards of your money going haywire. This way you can even spread awareness among people about governments Jan Dhan Yojana and encourage them to open bank accounts. This way not only you are making your own task easy but also contributing to the welfare and economic development of the country.
Shopping for groceries and staples
5. Shop online through grocery delivering apps
If you want to go cashless in your grocery shopping then the best option is to go for specialized grocery delivering apps like Grofers, Big Basket etc. Shop for groceries from the comfort of your home and while making payment choose the option most convenient to you. You can opt for paying through digital wallets, your debit or credit cards or even through net banking.
6. Credit Cards, Debit Cards, Digital Wallets and USSD banking for shopping locally
We understand that being a housewife you like to serve your family with the finest, hand-picked food items. This reason may deter you from shopping online. No worries! Your digital wallet, credit cards, and debit cards will come to your rescue here. The demonetization drive saw many grocery vendors create options for digital payments. And in case the one you trust does not provide you with that facility, you can always make the payment through USSD banking.
Paying your kids tuition and other fees
7. Pay fees digitally
You can go cashless here too. These days many schools provide the facility of making fee payment through their official website or app. Using net banking, your digital wallets, debit or credit cards you can easily make fee payments. Post demonetization, major education boards like CBSE have directed schools to open modes of cashless fee payments to make this process easier for parents.
8. Pay through Demand Drafts requested through net banking
Demand Drafts have been used to make tuition fee payments for a long time. This old-school method is still one of the best and most secure ways to make tuition and other fee payments. Using your net banking you can easily request for a demand draft and later collect it to pay the tuition fee.
Paying your medical and hospital bills
9. Go cashless while visiting doctors or your pharmacist
Your next trip to a doctor or a hospital can be made cashless now. Simply pay them their fees through a digital wallet money transfer, credit card or debit card. Alternatively, you can even use mobile banking, net banking or USSD banking to pay your doctors fees. Same goes for pharmacists too. If they accept card payments then you have a host of options available to go cashless.
10. Use health insurance for paying hospital bills
Hospitals were perhaps one of the earliest organizations who adopted cashless payments. How? The answer is health/medical insurance. Purchase a health insurance service today if you want to benefit from cashless hospital services. A health insurance is something that everyone should have. Pay its premium online through net banking or card payments and your next visit to an approved hospital by your insurer will be covered by the insurance company. All you need to do is just flash your health insurance card.
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