Each person must have a desire savings owned more than one, even the amount of money in it has increased significantly because the interest of the bank earned. Just make sure how to make that wish come true. Of course not only save monthly expenditure alone and expect there is a budget left to save. But it requires another way to accelerate the process of saving, so that the target of greater desire in developing the money owned can be achieved.
Saving is not just a customer’s money savings that can be used for future consumptive purposes, but can also be used for emergency purposes if one day requires money. Increasing the amount of savings if just storing it in a savings account must necessarily take a long time, and a lot of money to save.
So it takes another way to save money other than a savings account, so that the value of money has increased. Here are 7 habits of increasing money savings:
1. Set Goals in Saving
This way when compared with a marathon run is the finish line or the ultimate goal of a marathon run. Set the goal of saving in order to keep the desire to save high, so the desired goal can be realized from the results of savings owned. Create short-term and long-term goals in saving, so short-term desires can be quickly resolved and continue for long-term savings.
For example for the short term, want to buy watches, or motorcycles, and for the long term is to buy a house, or set up a pension fund. In order for this first-run commitment, you must be debt free, so that the desire to buy something soon materializes.
2. Organize Saving Schedule
This step is still related to the first way, where in setting long term goals for example within five years must have a down payment for the down payment, then self-discipline to save each month, on a date that has been set as a commitment to the down payment. So that the previous five years planned will be easily achieved.
3. Set the Amount of Coupled Money in the Account
This method is still connected though indirectly with the first step. With regard to the time period specified, then you also have to determine how the amount of money to be saved for short-term and long-term targets can be realized immediately. The amount must be realistically adjusted with the income owned each month.
4. Always Record All Types of Spending
Monthly financial expenditure should be recorded, because it will affect the value of money to be saved each month later. The ways can be divided into three categories of recording of income owned, such as sources of income, expenditure budget, and budget for savings. Based on the records in question will get the number or value to be combined each month
5. Removing Unnecessary Expenditures
From the records made in the previous month will be evaluated expenses that are considered not important. How much and eliminate those expenses so that the amount of savings can be increased. For example, the cost of snack and gather together with friends, or budget phone charges and so forth.
6. Stop Usage from Credit Card in Every
By always paying in cash, all transactions are made from spending and so on, then you will be free of debt and will be able to increase the amount of money that can be saved every month.
7. Always Prioritize Saving Allocations before
By prioritizing the allocation of saving, then you will have a positive impact that saves the expenditure budget incurred. So expenditures will adjust to the rest of the money earned after deduction for the allocation of saving.
Slowly but surely
By applying the 7 habits of raising money savings, will make you have a savings with an ever increasing amount of money. In addition, gradually the behavior of using money will be more wise, where initially saved is the remaining money from the monthly expenditure into spending is the rest of the money from the already cut to save. With so consumptive behavior, you too will turn into a productive behavior in saving each month. asuransi pendidikan