Do you think you have enough income, but never able to save regularly?

Do you have attempted to set aside some funds for savings but ultimately abandoned funds and save any intention to fail?

If you answered yes to one of the questions above, then you need to listen to the following article.

Saving regularly challenge for everyone. Many people who have an income large enough but difficult to set aside money to save. While there are people who earn a relatively smaller but capable of setting aside some money for savings.

Here is an easy way for you to get used to saving money:

1. Immediately after you receive savings income

Yes, once your payday, receive commissions, receive a salary or any form of your income, immediately set aside some for savings. This way you avoid the delay and ensure that savings as a priority.

2. Separate your spending account with a savings account

In order to save can be run effectively and you can monitor its development, separate spending account with a savings account. Savings account you can create the same bank so it does not need to pay transfer fees for savings. I also recommend not to make an ATM card for your savings account. Thus, money that has been entered as a savings account will not be easily retrieved, so you avoid temptation and spend the money that has been painstakingly saved. Do not combine a savings account with a spending bill because it would result in confusion how much you’ve saved and how much should be spent.

3. Determine the amount of money you want tube

Based on your current income, determine the fair value of savings that you can do. As a guide number of 10% is the minimum which means you set aside some for savings. If you are still single and have no other substantial expenditures. This percentage could be increased up to 30% or even 40% of salary. With the other remaining 60% you will still be able to finance the needs of regular and a bit of fun with your income. In personal financial planning, create a budget for this and do regular savings in an orderly manner.

4. Think of saving as spending and forget

Once you determine the amount of money you want to save every month, then consider this amount as mandatory spending each month and after soon forget after you do it. Mentally when assuming the savings as an expense then you will be able to do it with discipline and routine as a liability. By forgetting that you have saved will avoid you think that there are surplus funds in the savings that can be used for various purposes.

5. Set your budget and any excess tube at the end of the month

If you have applied the preparation of monthly budget, then at the end of the month check your budget. If there are excess funds, then the excess is stored as additional savings for the current month.

6. Gradually increase the percentage of money you’ll save

Once you get used to the pattern of saving regularly, then you can increase the value of the percentage of income that is saved, for example from 10% to 20%, 30% and beyond. This will further increase the amount that people save and make you more efficient.

7. Do not ever count on saving money “if there is residual”

If you rely on money from the income remaining after use various needs for savings, it’s likely there will be no rest. Even if there is, usually the amount is very small and not comparable to your earnings.

Thus some simple ways to save that I can share with you. Error in saving many people are relying on the remaining balance of funds saved for later if still remaining. Believe me, if you do it that way, there will never be the rest of the remaining money could be saved and you will never start saving.

The temptation to use and spend money so large that they need a strong determination by way of saving money in the future, as soon as you get a refund.

Congratulations to save for future needs.

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.