Jakarta, CNBC Indonesia – Saving is actually aimed at fulfilling short-term goals or desires. However, this must of course be done with a strong enough commitment.
If you often feel like your savings are still hanging around, or are easily drained. So it is very likely that there are several factors, either internal or external, that are the cause.
Before you guess what the cause is. So it is very likely that these three things are the main causes of what you are experiencing.
Often save without a clear goal
If the reason for saving is just because you want to see “your money intact,” don't blame anyone if the money just disappears.
As explained above, saving is the activity of accumulating money for short-term goals, say within a period of one to three years.
When you don't have a clear goal about what you are setting aside money for each month, there is a big possibility that your savings will be used for things that are not your needs.
It could be that, when a friend suddenly asks you to go traveling and you feel like you have enough money, you will use the money in your savings to go with your friend. Without realizing it, the money was gone.
Expensive hobby
Hobbies or pleasure certainly have the potential to make you give up your financial health. Especially if your hobby is expensive, and you often do it beyond your financial means under the pretext of self-reward.
To overcome this problem, you can limit spending on hobbies. Let's say that in a month you will only set aside 10% of your income for this expense.
Only have one account
In fact, there is nothing wrong with having one account for all your monthly expenses, as long as you are disciplined in recording your income and expenses.
If you find routine financial recording activities quite boring, then open another bank account and use that account for expenses related to desires or other things.
Those are three things that could be the main reason why you have difficulty saving. Starting from now, you can learn to improve your savings habits starting by determining your goals first.
[Gambas:Video CNBC]
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