How to Get Themselves to Save
July 29, 2009
I wanted to save money, but money seems to keep me out. In addition, children also have buy shoes, and I just need to buy this, that … … ”
Words above may be familiar in the ears, or perhaps your own experience: You want to be able to save money, but in practice, it is difficult to do. Whether you are a person like that? You always run out of money at the end of the month so can not save?
Do not be grieving. All are almost certainly experience. Save, or invest on a regular basis, often done for various purposes. With the money you set aside on a regular basis, the money collected can be very useful.
Someone who has a revenue of Rp 1 million per month, for example, have only a year after the account balance is Rp 200 thousand in the account. Once asked why the amount of the balance of the account only after a year working period, he said incomes are often exhausted in use in a month so that he can not save. In fact, if he wants to save as much as Rp 100 thousand per month only, then at the end of the year he will have a number of the account balance of Rp 1.2 million, plus interest!
Saving Previously, New Spent rest
I will provide a way for you. If during this first shop you always and never had time to save, now why do not you reverse the process? When you get your salary at 25, for example, first to save some money, then spend the rest. When you do that regularly, then after a year, you will already have a large amount of savings.
Yah, it’s possible that the money you spend can be reduced. But, that is the consequences: You need to have a certain amount of funds as a reserve for the future!
For example, your income is Rp 1 million per month. Was, you usually spend Rp 1 million are up. Now, with your save Rp 100 thousand per month in advance, the total expenses you charge to stay only Rp 900 thousand in the month concerned. When you feel it is not enough, then you must do one of the three options below:
1. Increase your income
In the above example, the income Rp 1 million increased to Rp 1.1 million. With you still save Rp 100 thousand, then you are not spending more Rp 900 thousand, but return to Rp 1 million.
2. Pressing your Expenditure
In the example above, you are willing to push your expenditure was Rp 1 million to Rp 900 thousand.
3. They do
With increasing income and the cost of living. In the above example, you can increase your revenue to Rp 1.1 million, and the expenditure you to Rp 900 thousand. Thus, you would have a greater difference for saving.
All of you die. The most important, to save Familiarize. If you have difficulties to save because they always run out, you can save money in advance so you get the revenue. Always remember: You need to reserve funds for the period-the presumed future.
Saving to where?
There are many options that you can use as a place to save money. One place to save the most popular person in Indonesia is a savings bank.
Benefits, the funds in a savings account can be taken whenever you want. low at this time, generally in the savings bank to provide only a small interest.
In addition, you may also save money by buying gold. When you save as much as - say - Rp 200 thousand per month, you may be able to buy gold, which is in accordance with the value of money you saving. At this time, many gold coins are available that can be purchased with the amount of one gram only.
Alternatively, you can also save money in the form of investments such as mutual funds. Mutual funds are a form of investment where the money you saving will be managed by a team of investment managers to invest in various investment products. To be able to invest in Mutual Funds, can be started with the amount of funding requirements at least Rp 100 thousand.
Thus, there are several options if you want to save money.
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