Saving Tips That can Easily
You may find it difficult to start saving when you have the income that you had enough and you do not even have debts everywhere. So where’s the problem? The problem is that you used to spend all your money every month and you are not able to change these habits.
Here are tips on saving money with ease, which can help you to save money better.
1. Pay your self first
Often, saving trouble not because lack of money, but more precisely because there is no remaining income can be saved. So why have to wait there the rest of the money in advance, yet so far from your income is too rare rest. Therefore Change your habits and start with your savings to pay first before you pay for other necessities of life. Thus you do not have to worry anymore whether the end of this month you still have money or not to save
2. Make saving as expenditure
In each month before you make payment for any expenditure is to pay a certain amount of expenditure savings. So enter the postal savings into routine expenditure every month. Think of saving as your regular expenses with debt repayments, or other household expenses such as electricity bills, water, food, transportation and others.
3. Do not dismiss any change
Never pay with coins. Shop only with paper money alone. If you can change the coin, insert a coin into a piggy bank (piggy bank or canned chicken). Do not open until filled, if it is fully insert into your account at the Bank. The amount of coins that must be signed in your piggy bank can set yourself such as a coin worth Rp 100 and Rp 500, – or only Rp 1000, – only, or all.
4. Increase your savings deposit every time your income rises
Every time you earn more money as annual bonuses, the first Set aside to add to your savings. Likewise, if your salary rises will also increase the amount of the deposit your savings routine.
5. Have a special savings account
People in general difficulties in managing the daily finances due to the lack of clarity between the expenditure for the family, where the expenditure for which the personal and investment expenses. Therefore, a family should have a special account used to finance the post-separated family expenditure from personal accounts. While special savings accounts should also be made separately to the accumulation of funds collected for the financial goals to be achieved is not used for other expenses. Use the auto debit facility (facility transfer or automatic transfer from bank accounting) from your salary account every month to pay on a direct transfer of funds into a special savings account. Thus you do not need to come to the bank or ATM to make the transfer or switching accounting.
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