Having a fixed monthly salary may be a dream for many, considering there are many necessities of life to be met throughout the month, and all of this will cost a lot of money. If the monthly salary already exists, then at least you can breathe a sigh of relief because the needs of a month may be well met. But in addition to the routine needs, you certainly understand that it is very important to have some savings in the financial, right?
Whatever the profession, even a civil servant (PNS) though, you still have to have savings. This is very important, to ensure financial security and help achieve various financial goals in the future. Although the salary is not large, savings activities should still be held in the financial, considering the benefits will be very large.
Uncomplicated civil servant salaries will certainly be a challenge in itself, because the amount can be just barely to cover the cost of living for a whole month, especially if it does not have the right formula to manage it. If this is not addressed properly, then it probably will never have savings.
For that, start organizing and limiting expenditure, so that some of your salary can be allocated to a fixed monthly savings account.
Here are some ways to save for civil servants, which you can apply in finance:
1. Arrange tight Budget
Healthy finances will certainly be supported with an effective budget, this is the first thing that must be understood well. Set up a tight financial budget, in which all the expenditure items in it is really effective and in accordance with the needs. That is, even though spending within the budget is tightly arranged (frugal), but with this budget all needs can still be met well.
Do not be afraid to apply the various rules that are considered important in the budget, so that the budget can run well and in accordance with the financial capabilities. Within this budget, make sure to include a fixed monthly savings account, the amount is at least 10% of salary.
2. Adjust the Needs with Salary Ability
Whatever the necessities of life, make sure the amount of the fee will match the salary capability. Having an excessive lifestyle with the cost of living that amount above the ability of salary is a mistake, because this will only make you have debt.
Always adjust the cost of living with the financial ability possessed, so that can run finances effectively and smoothly, of course without causing problems and also debt.
3. Have Monthly Mandatory Savings in Fixed Amount
There are many needs that may be fulfilled every month, but this should not preclude having some savings. Regardless of the cost of living required, you still have to set aside some income as a savings fund. The amount may be adjusted to the financial ability, but try to minimize 10% of salary each month.
4. Separate Savings Money into Special Account
Save? already, but the savings funds are always drained and used without a clear plan. A mistake like this is tantamount to not saving at all, because the savings funds also never live long (always used).
Avoid this sort of thing and start saving in a more planned way, by separating the savings into separate special accounts, which are not mixed up with the funds with other funds. Immediately separate this savings account shortly after the salary is disbursed, so there is no reason to use it for any other reason. asuransi pendidikan
5. Make Monthly Shopping Save
Do not shop in a hurry and without a plan, because things like this will only end in waste. Prepare a monthly shopping list, so have enough time to decide what to buy later.
Calculate and make sure not to exceed your budget, so that other posts in the finances are not disrupted due to the swelling of these monthly spending expenses, including savings funds. Do some frugal shopping, for example: choosing the cheapest store, buying discounts, or utilizing special offers from a particular store.
6. Avoid Debt and Credit Cards
Never start a debt, so that finances are not burdened with this unnecessary problem. Always make a salary to meet all the needs well, including to make savings funds fixed every month. This method will help you free of debt, even savings funds can solve financial problems, if at any time there is a problem in the financial and need funds immediately.
7. Bring a Lunch
No need to be embarrassed, if you adopt a frugal lifestyle within yourself. Bringing lunch to lunch will allow you to eat more healthy and appetizing foods. It can also make you more efficient and can allocate lunch funds as a monthly savings fund. If the savings value gets bigger, then some financial goals can be achieved well.
8. Use a Public Vehicle
You can also save money and leave private vehicles at home, so they can save money on gasoline and allocate it as a savings fund. Using a public vehicle or even an office pickup every day, will greatly save on monthly expenses. You can even be more relaxed and enjoy the journey every day, because you do not have to drive your own vehicle.
Cut Out Unnecessary Spend
For civil servants, the amount of salary that is not large would often be an obstacle to be able to have some savings. This of course must be disiasati well, considering the savings will be very important and even must be owned by everyone.
For that, start cutting all the expenditures that are not effective (important), so that some funds from the salary can be allocated as a fixed monthly savings fund.