Saving ... huh from the past until now very difficult to save, there's just a sudden need or want to buy ... If it were so break the piggy bank were forced Semar deh .. GUBRAKK! .. :)

According to the person skilled in the art and often conduct surveys that Indonesia was the habit of saving from year to year has not changed. Only 47 percent of Indonesia who have started saving, and only 29 percent are loyal to the budget made. (Ga bener anyway?)

Then .. how the hell do I save money so easy? Still according to the person there are 10 easy ways to save:

1. RECORD YOUR HABITS IN A MONTH
Actually it's very easy to save, as long as you are spending less than income. Before that, you have to know how your habits in spending money every month. Try to record the daily expenses, weekly and monthly. Then determine which ones need to be reduced .. :)

2. Set aside MONEY FOR YOUR PERSONAL
The key to successful saving is to set aside money in the beginning, before the payment of other things like paying electricity, water and repayments. Determine the long-term goals and regularly tabunglah your money in a savings or investment.
Because if you're used to shopping and just trying to save any money left after the end of the month, then generally the rest of the money in your account is not much.

3. SET DATE
If you receive a monthly salary will not be problematic to set a date to set aside funds, but for those who receive a wage / salary every two weeks, then specify one of two dates 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. YOUR DEBT Pay
Immediately pay off debt is one of the best ways to accelerate your savings. This is because interest rates are higher than savings interest.

5. CONTINUE TO KEEP YOUR DISCIPLINE
After the debt paid off, then keep the funds set aside each month into savings, even better if it is available for incorporation into automatic withdrawal of investment.

6. YOUR SELF MOTIVATION TO ACHIEVE GREAT RESULTS
Decide what you want and know how much money is needed, then determine how realistic such as saving regularly for six months.

Put a picture that shows what you dream at my desk, bedroom or wallet so you always remember your goal of saving. So every time there is a temptation discount or sale clothing in the mall, you are not easily tempted.

7. OPEN AN ACCOUNT THAT YOU CAN NOT TOUCH
To purchase larger quantities, slowly Save money by exploiting deposits. These accounts generally have higher interest rates than regular savings, and long time periods have been determined. Thus you can not touch it when there is a temptation to shop, but still can be liquidated when an emergency occurs.

8. Piggy bank jar OR USE FOR YOUR COINS
Money in the form of coins are often considered unimportant, but if it is collected in accordance with the adage "a little bit long long time into the hills" At full jar or piggy bank can increase the amount of your savings or can be used for other needs.

9. OTHER SURPRISE BONUS & Bag
Every time you receive a bonus or gift in cash, directly enter into a savings account. This money is not part of your regular income, so it should not be used for your everyday needs and save them. If you have debt, use these funds to pay off your debt.

10. Familiarize SAVE LIVES
There are many ways to save money without having to suffer. Bring food and drinking water from home, use public transport, smoking cessation, vacationing at the time that is not dense (low season), take advantage of discounts in order to get the stuff you "need" to be cheaper, and much more.