Saving habit is not easy. Many complain difficult to save money, even in small quantities. Generally people are not accustomed to the discipline to set aside money for savings immediately after earning.
This is most likely due to several factors, namely income really minimal and just enough for the daily life and people generally do not specify their financial goals clearly.
From the results of Citi Financial Quotient Survey (Financial Intelligence Survey) conducted every year, it points out that a shift in savings habits Indonesian people are not too many changes. About 47% of Indonesia have started saving, while only 29% were obedient to the budget were made.
So how to get to us easily saving. Here are 10 easy ways to save:
1. Record your habits in a month
You do not need to be rich to be able to save. Actually it is very easy to save, as long as you are spending less than income. Before you decide to save expenses which, you must know how your habits of spending money each month.
For that try starting next month to record daily expenses, weekly and monthly. Use a small book that is easy to carry anywhere. Do not be surprised if it turns out to coffee habit which is only Rp 25,000 per week, could reach $ 2 million a year. If you find things like this, it is frugal with how to make your own coffee or a habit of carrying a water bottle with you wherever you go.
As well as other expenses, to buy clothes there SALE wait time and set a budget limit that can be used when shopping.
2. Set aside money for your personal
The key to success of saving is to set aside money in the beginning, before payment of other things such as paying electricity, water and installments. Determine the long-term goals and regularly tabunglah your money in a savings or investment.
If you get used to the new shopping and trying to save as there is money left at the end of the month, then usually the rest of the money in your account is not a lot.
Do not give the opportunity for wasteful, set up a retirement fund, an emergency fund, and college funds by way of automatic transfer. Every end of the month you’ll be glad that you’ve been saving something for the future.
3. Determine Date
If you get a monthly salary it would not be problematic to determine the date to set aside funds, but for those who receive wages / salary every two weeks, then select one of the two dates to set aside funds to be saved. If you are an entrepreneur, specify the date in the middle of the month when you do not pay the bills.
4. Pay Your Debt
Immediately pay off debt is one of the best ways to speed up your savings. This is because the interest on the loan is higher than the interest savings.
5. Keep the discipline you
After the debt paid off, then continue to set aside funds each month into savings, even better if available automatic withdrawal to put investment.
6. Motivate yourself to achieve great results
Decide what you want (New Sofa, Family Vacation Packages, Home Theatre) and know how much money is needed, and then determine how realistic such as saving regularly for six months. Put a picture that shows what you dream at your desk, room or wallet so you always remember your goal of saving. So every time there is a temptation SALE discount or at the mall, you do not easily tempted.
7. Open an account you can not touch
To purchase with a larger number, such as a down payment on a house or a car, menabunglah slowly by exploiting deposits. These accounts generally have higher interest rates than regular savings, and time period for the period specified. Thus you can not touch it when there is a temptation to go shopping, but may still be disbursed when an emergency occurs.
8. Use a piggy bank or jar for your coins
Money in the form of coins are often considered unimportant, but if collected in accordance with the proverb “a little bit long time into the hills” At the moment a full jar or piggy bank can increase the amount of your savings or may be used for needs such as children’s writing books, small gifts and so on other.
9. Bag bonuses and other surprises
Whenever you receive a bonus or gifts in cash, directly enter into a savings account. This money is not part of your regular income, so it should not be used for your daily needs and save it. If you have debt, use these funds to pay off your debt.