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.

Savings made to collect money to be used for use at a later time. whether to get something service, buying an item, reserve deposits for the future, or other purposes. With the savings, money that has not spent this time, but stored for later use. Challenges in saving the time usually is in the money collected was enough, comes the desire to be used and spent, sometimes forgetting the original purpose of saving money was in the early to start saving.

If the amount of savings we are not too large, the storage at home is quite appropriate pilian. However, if the amount stored has reached a certain value we think is prone to loss, it’s worth the savings transferred to the storage services of money. Service had been able to form cooperatives or banks. Cooperation with the bank the difference is if we save money on co-operatives, can get a commission of the remaining results of operations (SHU) cooperatives in the early years, for savings in banks, we receive a commission in the form of bank interest earned monthly.

Now how saving tips on optimal bank, so we do not lose money?

1. Check monthly fee or annual fee

For-profit institutions, the bank will attract administrative costs (usually monthly, but there is also a three-monthly). Expenses were used for the operation of the bank itself and storage services at the bank. Each bank provides monthly price varies depending on the facilities that we want / enjoy. Generally, biay aini ranging from 2500 to 15,000 per month.

2. Initial deposit check

To open a new savings account, the bank will set a minimum deposit rate. This deposit is a commitment from the client to keep the accounts at the bank. Initial deposit can not normally be taken in the first 1-2-3 months (each different bank)

3. Check the minimum balance

Most of the bank will ask its customers to have a minimum balance, if our balance is below the minimum balance, the bank will give the penalty by cutting our balance with a certain amount, usually amounting to Rp. 5000 to 10,000 per month. In some banks, if the minimum balance in a few months old (3-6 months, varies between banks), banks have the right to close customer accounts due to the unavailability of sufficient funds to be saved.

4. Check the minimum deposit

The bank will impose rules that allowed a minimum deposit. This possibility of effects on the efficiency of banking resources in serving its customers. Because for the amount of money large or small will take resources that are relatively similar.

5. Check the savings interest rate (or for the results) from the bank

What is the interest rate or for the results? Bank will provide such additional funds in our savings as an incentive from the storage of our money in the bank. Regular bank interest rates will apply the fix for approximately 1-4% per year from the balance we have. Whereas for Islamic banks, the incentives provided a percentage of the profits earned by the Islamic banks. These incentive varies depending on the amount of money we save. Typically, the more the amount of our savings, the greater the% incentives provided. This incentive will be automatically added to the balance of our savings, but also will direct the income tax cut for 15% of this incentive.

6. Print books most late savings every 2 (two) months

Print passbook is very useful to know all transactions are conducted outside the bank counters. Why is there a transaction that occurred outside a bank counter? because banks now offer ATM cards that serves one of them is taking money from an ATM machine. Apart from taking money from an ATM can be transferred to other accounts, payment services from the operator, the contents pulse HP, lohat balance, etc.. ATM cards can also be used as a debit to kareti shop at certain stores. Print passbook is required for verification of data, whether in print with what we do at the ATM recorded correctly. If there is a strange transaction, can be reported immediately. If we print the book> 3 (three) months, some banks will collect debit and credit transactions we become one, so that we can not know the details of bank transactions. If tetep want to know the details of the transaction, may request a checking account to the bank’s Customer Service. Some banks charge a fee to print the Current Account.

7. Be careful with the ATM card we have

ATM card is the key to the door to go into our account. ATM card needed Personal Identity Number (PIN) which should not be shared with others. Since the ATM card is our money too, so be careful in transaction using an ATM card to debit the account when shopping. Ensure that our groceries and the number printed on the printout is the same machine large friction. Do not forget also to ask for our ATM card again after the transaction. If our ATM card at ATM machine swallowed, can read the following tips.

8. Keep a minimum balance you always

As already reviewed above, the bank will offer incentives to customers, but banks will also withdraw money from the monthly contributions of our savings. So we as bank customers have to jelly, not to happen incentives received are lower than administrative costs that must be paid. If this happens, then our money in the bank instead of getting even less.