Any salary that goes into your account, there should be a few percent saved. That theory yes.
Indeed, the salary scale determines how large a portion of our savings. But if not regulated, the amount of salary will not be as influential. The key is just in the financial arrangement only.
In fact, saving money was not an easy thing. Especially for you that his salary is fairly ngepas.
Living with a salary of $ 2 million, for example. In order to save money, would need a lot of sacrifice. But that does not mean you can not set aside part of your salary for a reserve fund or the future.
You would probably need a more creative way in order to save money so it feels good. Cobain yuk, 5 fun ways to save it so that the coffers are always filled.
1. Loose change
View or bagging coins that sometimes makes lazy. But it is precisely wrong.
in order to save
Do not just create scrapings, dime if dikumpulin able to buy motorcycles too! (Collect Receh / Didut)
Coins that are also useful. Instead of a coin return of groceries you love to buskers or beggars, mending savings in a piggy bank.
Contek ya, the story of a small food traders couples who buy a motor home Ponorogo disposable cash money nickels. They were persistent savings over six years with a total of Rp 18 million!
2. Saving per day
Once accustomed to saving money nickels, you can try another challenge: to set aside a certain nominal per day.
For example, set aside Rp 5,000 per day. Within a month, you can already get Rp 150 thousand. Within a year you can get Rp 1.8 million tuh!
3. Saving Gold
In addition to saving money in the form of money, you can also loh savings in gold. PT Pawn, no gold savings products.
Just open an account, you can already start saving gold. The deposit would free daily, weekly or monthly with a minimum price of 0.01 grams of gold equivalent.
in order to save
Saving gold can also be a powerful way, but do not put in a jar also times (Celengan / Kilauemas)
For example the daily gold rate is currently 0.01 Rp 5.010 per gram, meaning you can deposit the nominal. If the value of savings has reached the equivalent of 5 grams of gold, you should take it in the form of cash or physical gold.
4. Savings Plan
If you've tried to save money in the bank but always failed due to be withdrawn in cash only, you can try out a savings plan. Now many kok banks that offer these products.
Advantages Savings Plans ya:
- Practical because funds taken automatically (auto-debit) on regular savings
- The contract term of deposit is generally 1 to 20 years (some are up to 50 years)
- Flowers larger than ordinary savings
- Accompanied by health insurance
The deposit could you adjust to the bag. For example, a month want to save Rp 150 thousand - Rp 200 thousand.
5. Arisan Bareng Friends
Who said it was gathering its monopolistic Ma-Ma in the complex or village? The social gathering can be done by anyone and actually useful.
For example, try to start a social gathering with friends office. Determine dues per month, for example Rp 200 thousand. If there are 10 people gathering participants, the funds collected Rp 2 million a month already tuh. If your name is drawn when a winner, not bad tuh.
in order to save
From the love hanging out is not clear, mending participate arisan just right? (Kendurian / Didut)
So regardless of the salary you get now, we do not have a reason for not saving. Small salary was not an obstacle as long as you smart set.
Post a Comment