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Habit of saving is not an easy matter. Many who complain of hard saving money, even in small quantities? Generally people are unfamiliar discipline to set aside money for savings immediately after getting the refund.

This likely occurred because of several factors, namely income really minimal and only enough for everyday life and society generally does not determine their financial goals clearly.

From the results of Citi Financial Quotient Survey (Financial Intelligence Survey) conducted each year, seen also that the shift in savings habits of Indonesia is not too much changed. Approximately 47% of Indonesia has started to save, while just 29% who were obedient to the budget he made.
Here are 10 easy ways to save:

1. Record your habit in a month
You do not need to be wealthy to be able to save money. Actually it is very easy to save money, as long as you are spending less than income. Before you decide to save on spending which, you have to know how your habits of spending money every month.

For that try to start next month to record the daily expenses, weekly and monthly. Use a small book that is easy to carry anywhere. Do not be surprised if it turns out that coffee habit is only Rp 25,000 per week, could reach $ 2 million a year. If you find things like this, so be frugal with how to make your own coffee or make it a habit to bring bottled drinking water wherever you go.

Likewise with the other expenses, to buy clothes there SALE wait time and specify the budget limit that can be used when shopping.
2. Set aside money for your personal
The key to success is to set aside money saving at the beginning, before payment of other things such as paying electricity, water and mortgage. Determine long-term goals and are regularly save your money in a savings or investment.

If you are accustomed to shopping and just trying to save money when there is money left over at the end of the month, then generally the rest of the money in your account is not much.

Do not give a chance for wasteful, have a retirement fund, emergency fund, and fund college by way of automatic transfer. Each end of the month you’ll be glad that you have saved something for the future.

3. Determine Date
If you get a monthly salary will not be problematic to determine the date to set aside funds, but for those who receive a wage / salary every two weeks, then choose one of two that date to set aside funds to be saved. If you are an entrepreneur, specify the date in the middle of the month when you do not pay the bills.

4. Pay Your Debt
Immediately pay off debt is one of the best ways to accelerate your savings. This is because higher interest than savings rates.

5. Keep your discipline
After the debt paid off, then keep the funds set aside each month into savings, even better if available automatic withdrawal to be put into investment.

6. Your self-motivation to achieve great results
Decide what you want (New Sofa, Family Vacation Packages, Home Theatre) and know how much funding is needed, then determine how realistic such as regular savings for six months. Put a picture that shows what you dream about on the desk, room or wallet so you always remember your goal of saving. So every time there is the temptation discount or SALE at the mall, you are not easily tempted.

7. Open the account that you can not touch
To purchase with a larger number, such as down payment for a house or car, saving slowly with the use of deposits. These accounts generally have higher interest rates than ordinary savings accounts, and long periods of time have been determined. Thus you can not touch it when there is temptation to shop, but still could be withdrawn when an emergency occurs.

8. Use a piggy bank or jar for your coins
Money in coin form is often considered not important, but if collected in accordance with the adage “a little bit long been a hill” At the moment full jar or piggy bank can increase the amount of your savings or can be used for needs such as buying a child’s notebook, small gifts etc. other.

9. Bag bonuses and other surprises
Every time you receive bonuses or gifts in cash, immediately put into a savings account. This money is not part of your regular income, so that should not be used for your daily needs and save them. If you have debt, use these funds to pay off your debt.

10. Familiarize Life Saver
There are many ways to save money without having to suffer. Bring food and drinking water from home; use public transport, stopping smoking, on holiday at the time that is not dense (low season), take advantage of discounts to get items that you “need” with cheaper, and much more.