Recently, a reputable survey organization that is Citi Financial Quotient Survey (or if diarti-in more or less means the Financial Intelligence Survey), released new data about the habit of saving the Indonesian society. The result is no surprise that does not mean that, where the core is still a lot of our society who have not adopted the habit of saving with a good pattern. The survey results indicate that, estimated that only 47 percent of our society who have the habit of saving, rose only 29 percent are obedient to the budgeting, expenditure made and planned.

According Sonitha Poernomo as Vice President Corporate Affairs, Head of Citibank, said the questions frequently asked by several people about the saving is:

1. How to save money, while revenue is always being spent on everyday expenses?
2. How to choose the most promising investment and profitable? If even we already know, but still confused how to get started!
3. Still confused determine the most appropriate business, so once again still confused where to start, etc..

Responding to these questions, here are 10 top tips on how to save with ease which are strongly encouraged to apply:

1. Analyze our habits conducted during each month it.

Actually saving requirements are simple enough that if we get a month income is greater than expenditure. But here also a crucial problem why most people are reluctant to save. But when viewed closely, there must be actual expenditure could be reduced or even eliminated as long as we have a strong desire. Now to select and sort out what expenditure should be reduced or even eliminated, so we must first know the habits that we do to her every month. Analysis and study it in depth, then for sure we will find the solution to determine what types of expenditures that must be suppressed.

2. Set aside money in the beginning of the month.

Why not just end of the month. Usually if we want to save money with the money remaining at the end of the month, then the remaining amount of money is little or sometimes no. Therefore there is no harm in setting aside money for the tube at the beginning of the month. In this way we will try to adhere to the plan we have made previously saved amount so every early month.

3. Determining the date for the save, of course this is not a problem if we have a monthly salary. But this should be looked at if we are such a good entrepreneur. Therefore determine the exact date to be saved each month.

4. If we have a debt, such debt to the bank so make it priority to immediately pay off the debt. Because as we know the value of debt interest is greater than the value of interest savings. If the debt is paid off, it will make it easier for us to conduct a consistent savings each month.

5. Fine, then if the habit of saving has been running a little better, then start to keep trying to save consistently every month. Even if necessary and allow better investment in the program which usually can withdraw the money automatically (auto-debit) each month for the tube. Many Banks that offer this type of program, please select in accordance with our respective needs.

6. After saving activities can really run well, then it motivated us to increase the value of the amount of savings for each month. Many of motivation that can be used in this case, for example, seemed to want to give parents the cost of the pilgrimage, the intention of vacation around the country or even abroad with the people we love, and many other types of motivation who know this is more details ourselves to each other.

7. After a big motivation in saving already exists, then we should move to a higher level. Use our infrastructure to realize the motivation. Many facilities that we can choose, such as using a savings account that can not be in touch within a specific period such as deposits, etc..

8. Although we had walked to save any amount above the average, it then do not underestimate the amount of change. Nothing wrong with buying piggy bank to save coins than we have used to comply the needs that not important! For as the saying goes we’ve heard so familiar from childhood, although a little long but a hill. And this may be useful for us someday.

9. Then use the additional income (income excluding the principal) that if we can, then it should be saved, do the opposite in fact inserted into the bag for everyday needs if there is no need for that important. This habit can make our savings grow faster every month.

10. And for the latest tips may sound a bit cliche and boring, which is try to have the habit of living frugally. Do not underestimate this, because if we apply it right and followed with a consistent effort to make money then I assure you we will be far from the financial difficulties! Then if we already have a good habit to want to live frugally, it is never to try and extravagant lifestyle, because in principle we know to cultivate good habits is hard, in contrast to ruin a good habit is very easy.