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That means our interest rates on bank savings potential was lowered. But do not expect lending rates to come down, let alone achieve single digit alias below 10%.
In a situation like this, you must be smarter to save money again, if you could unknowingly be saved automatically.
Here are five tips to save money without you knowing it, as quoted from Investopedia, Friday (09/02/2012).
1. Run your automatic pilot
One trick to get used to place the deposits in savings is above all. So, once the monthly bill comes, do not immediately make a list to be paid. But set aside some money for your savings first.
That way, after you compile the entire list of bills and prepare the money, your unconsciously already have the money to be saved, if the bill was not too much. But, if the bill was pretty much, you can take some of the money you've saved the first time.
Another possible way is to ask your bank, if possible, to separate some of your money into a separate account every month after payday. That way, you will not be aware of the amount of money you save even though the numbers are mounting.
The amount to be set aside should not be too large. Only Rp.200,000 per month, you will have Rp 2.4 million a year, without you realizing it.
2. Keep the change
Remember when you learned to save pennies age of a child? It never hurts to repeat this behavior. Start by emptying your wallet a dime on each end of the week, put in place that had been prepared.
You can also involve the family in doing this little savings. Especially if you have children, the habit of saving money is great, because your child will appreciate the money even though it is of little value. If the savings from the full, exchange pennies in the nearest bank or other exchange point.
If you do this regularly, it is not possible in one year could be worth millions to penetrate without you realizing it. That way, you will also appreciate more coins than ever before.
3. Do not be remembered if you had a pay rise
Your salary increases? Congratulations! But, before you do not think sane and eager to spend something, you should not have to remember if you'd read just a pay rise.
You should enter the new salary increment in savings as mentioned in the points mentioned above. Thus, the money you set aside each month the numbers growing thicker.
It is rather difficult to do if wages rose only an annual routine, but if wages rise because of the promotion you can freely adjust your savings. It would be better if the new salary increment can be saved for an emergency fund of funds or even old age.
4. Run the custom
If you've finally finished paying the car payments take many years, do not start looking for another loan, but still set aside money together to go directly into your savings. Your credit habits can be changed into the habit of saving.
In fact, you can enter it into an automatic savings credit that has been requested to the bank, as was hinted at earlier points earlier. Imagine that you still have debts to pay off the car, so the money would be saved by just fine without you realizing it.
5. Save the 'Treasure'
We've all experienced this, find the money in a location or object that sometimes we forget. For example, like finding a Rp.50,000 in the old jacket pocket, or even in a backpack that was used for the holidays. Do not direct you spend 'treasure' like this, you should be sure to keep in your savings. Think of it as a surprise to fund additional savings.
But if you're still tempted to spend the money, it is better divided into two, half for snack, the other half saved. This way, you can still set aside for the future and can still have fun by spending a 'treasure' is.
Conclusion:
Save money or save money unnecessarily difficult. With some of these tips, you can save money without feeling overwhelmed, you will not even realize there were so big only a short time.
Tips and trick from www.detik.com
