Build the habit of saving can be started with a number of these ways:
1. The purpose of saving
Decide what is your purpose in saving. That way you have a specific target audience who are motivated to save money every month. According to financial planners Ligwina Poerwo-Hananto, often people who struggle to consistently save money every month because they do not have a clear target. According to him, even targets should be made as attractive as possible to motivate you. For example, you want to have a car targeting, overseas family holiday, whatever you prefer. By doing so, you are always excited and committed to continue saving.
2. The allocation of savings in the beginning of the month
You need to change behavior, saving is not at the end of the month by using the remaining funds. Saving money is not set aside money from work for a month, but saving money is allocated from earnings at the beginning of the month. That is, you need to take some money with the composition of 10-30 percent per month each time it receives a salary. This behavior is the precaution of running out of funds for savings.
3. Make a special savings account
Distinguish income account and a savings account each month for the financial control. If you think a hassle when it comes to divide the money in a number of different accounts, you can use the envelope system. That is, separate zoned money to be saved in a separate envelope each month. If the envelope into your system, make sure you run discipline. Avoid the use of money outside the plan because it is very likely the money in the envelope you use for other needs that are not according to plan. Discipline and commitment of the main requirements to use the envelope system. When choosing a bank as a place to save, when opening a savings account should identify requirements. Choose a bank which facilitates and your most profitable.
4. The greater the income, the greater the savings portion
Whatever your income, large or small, compulsory saving habits run. Although income is below average, there is no reason to postpone the habit of saving. Set only the portion of his savings, take the lowest suggested composition of financial planners, which is 10 percent. So when you have an income of no reason not to save. With increasing your income, increase the allocation of funds to save up to 30 percent of the monthly salary. If this is hard to do then Increase your income. For example, revenue increased to Rp 1 million to Rp 1.1 million. With you still save USD 100 thousand, then you are no longer spending Rp 900 thousand, but returned to Rp 1 million.
So there is no excuse for not saving. Let's save for a better future.
