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hd sex video movie download Jamana Deewana Video Song Download Full Hd 1080p Movies Bluray Hindi Zeher High Quality Autoplaying Similar Tracks. Don't just set aside money, but set your goals for saving.Zeher Audio Jukebox HD 1080p. Ligwina explains that setting aside money without a goal is an easy thing to do. One of them is a light initial deposit and no monthly administration fees. By using a special savings account, many conveniences and benefits are felt. You can choose the type of account that is specifically for savings, for example, CIMB Niaga TabunganKU which is a solution for Indonesians who want to save diligently. By separating a savings account, you have saved money to use in an emergency later on. Ligwina Hananto, a financial planner quoted by Womantalk, emphasized the importance of separating savings accounts from daily accounts.

This change will indirectly help you reduce the use of debit cards and credit cards to pay for a lifestyle. That way you can save on lifestyle expenses and manage to save the allocation of savings money. According to him, collecting change in the form of loose change can be used to buy goods with a large value.įor example, the change after shopping at the supermarket, if collected, can be used to buy coffee and lunch. Ric Edelman who is the Chairman and CEO of Edelman Financial Services provides a special trick to be able to save properly. Even Howard stated that the first jobber should be able to live off half his salary because he doesn't have many dependents and expenses. However, make sure that the percentage increases every month until it reaches at least 20% of the salary. If you are not familiar with the allocation of savings is 20% of salary, can start with 2% of salary. Not many people can save large amounts, so start small. By applying this method, you have learned to save discipline the easy way.Īccording to Clark Howard, a consumer expert, saving should start from a small amount first but do it regularly. Set the transfer amount and transfer date consistently which is directly transferred to a savings account. It also avoids you being tempted to spend your income before putting it into savings. That way, you will have no excuse for forgetting to save. Torabi recommends that at least 10% of your salary should be transferred by auto debit to a savings account. Set Automatic Debit to Savings Accountįarnoosh Torabi, a writer and financial expert points out that saving with automatic transfers is the most effective way.

Reporting from the GoBankingRates website, this is the right way to save according to financial experts.ġ. Of the many ways to save, the following are sources from financial experts. This is the Right Way of Saving According to Financial Experts It's never too late to start improving financial management. If the nominal money you save is still very small, while your income has increased, there may be something wrong with your spending budget.Īre you still experiencing any of the signs above? If so, now is the time to change the right saving habits. Ideally, the savings percentage is no less than this.Īlong with the increase in salary or additional bonuses, the value of savings and the percentage should also increase. We recommend that you set aside about 10% -15% for the allocation of savings. If it's not in an emergency, but you still often use your savings to spend on tertiary needs or luxury goods, there is certainly something wrong with the way you save.īefore receiving a salary, you should make a budget to determine the portion of savings, spending, and other social activities. Provided the value is not greater than the amount you save each month. In an emergency and urgent situation, you can still use your savings. Having a large amount of savings can encourage you to spend it occasionally. When you already have a separate savings account, the next step is to make sure that there is no other activity in the account other than saving. Instead of saving, what is there is that the amount of savings will decrease due to out-of-budget spending. This actually encourages you to spend even more. By combining savings and spending money, your account balance will get bigger. If your savings account is still one with the daily necessities account, it can be said that your saving method is not right. Savings Account Not Separated from Daily Account Some of you may have started the habit of saving, but are you using the right method? The following signs indicate that you are not saving properly.ġ.