How often have you used the basic moves and said to your friends, “Anyway, I’m going to save a lot in the next month!” But in fact, until 2015 will end, your savings will continue to be eroded for this. Your main scapegoat is due to your small and insufficient salary.
But make no mistake, you know, there are many people who get a salary in the range of two to three million and they manage to set aside the money. Are you confused how they can succeed when you can only save food in your stomach? Calm! IDNtimes has a solution.
1. Intend to save!
greatist.comWhat does it mean? First, you must know that the main thing is saving. So, after getting a salary, what you prioritize is the provision of your money for savings, before you use it as an expense. Many have been reversed, that saving from the remaining expenses, because that way you will not be able to get a consistent amount.
2. However, for the first three months, try with a smaller nominal.
bareksa.comIf you feel you can’t save a large amount with your salary. You can start with a smaller amount for the first three months. Why three months? Because in three months you are believed to be getting used to setting aside your income. Starting from that you can increase the amount every month. For example, IDR 100,000-150,000 per month.
3. Start consistent in the amount of savings.
bareksa.comEntering the fourth month, you must already know how much rupiah you can set aside from your salary for savings. For example, with your salary in the range of IDR 2.5 million, you can at least take 10-15 percent of your salary. Then you can save IDR 250,000 or IDR 375,000. This number will be your consistency in saving. Choose one that will not burden you.
4. You have to be “careful” in shopping.
Image Source: ebay.com“Be careful” of things you don’t need, but are pleasing to the eye. For example, if you shop monthly, you see beautiful souvenirs that you can put in your room, but you don’t really need them. Do not buy! You have money for the things you really need.
Continue reading the article below
Editor’s picks
Also read: 4 Things That Make Deposit Savings Unprofitable
5. The rest of your expenses can be an additional saving option.
inkblackpemuda89.wordpress.comAfter setting aside 10 percent of your salary, you can use the rest for your daily life. However, when the end of the month arrives and it turns out that you don’t spend much, you can use the rest of your money to save again. For example, with a salary of IDR 2.5 million, you have saved IDR 250,000, then you can use IDR 2.25 million. Well, who knows if you can live frugally and leave IDR 300,000, you can set aside IDR 150,000 or 200,000 more to be added. This is done if you feel you can survive until payday.
6. A total of 300,000 rupiah must be entered into other savings.
Image Source: artisanjalanjalan.comHaving other savings is a better move. You have to put the spare money into the savings so that you can’t be bothered again after you deposit it.
7. Calculate your savings at the end of the year!
Image Source: newyorkdatinglife.comTry to count, if the first three months you saved IDR 250,000 (total), then in the remaining nine months you have a fixed deposit of IDR 250,000. Then, you have an additional IDR 150,000 in one month. If calculated…
250,000 + (250,000 x 9 months) + 150,000 = 250,000 + 2,250,000 + 150,000 = 2,650,000
Wow! You have saved IDR 2,650,000 in a year. You managed to save as much as your own salary! You can continue and with a higher number every month or year.
Simple isn’t it? But it takes intention to implement it. Because saving early is mandatory for the future. Happy saving!
Also read: 7 Essential Savings that College Children Need to Prepare So It’s Not “Kere Abadi”
