savings account

[gusarz]

Here's How? First, we need to open a new account, that is separate from the monthly salary account. Call it the second account is a savings account. So receive salary, soon remove a minimum of 10% of salary, and enter into a savings account. To simplify, we can also ask finance calculator online the bank to automatically move the money into a savings account each month after the payday date.

Small or big amount of salary is not a problem, but how much a part of our payroll successfully are saved. "In Jakarta, the number one disease is not able to save any money for ourselves in the future. This is because we just think our life now, "said Ligwina.

If you later have been accustomed to set aside, save and move the money into a separate account, we can enlarge the percentage is. "There are clients I can set aside 30 – 50% of his salary. But it's also after several years. Can not Flash. Slowly it first, "advises Ligwina.

Second, you create the target funds to savings accounts, that we so challenged to meet the target. "So if it has not yet reached the target, we should add on, and have not been allowed to use money in the account of it," said Ligwina.

As a start, we can determine the target savings accounts amounting to 1 x salary. "I usually invites those who are single or married but had not had a son to target at least 4 x salary in the second account," says Ligwina.

Long time we achieve the targets also vary, depending on our ability. But if it is able to fulfill them in an instant, just do it. If it is not able to, just slowly. Maybe we can meet that target within a month or two months, but there is also a need to take a year, three years, even five years for that. No problem.

Target 4 x salary saved into a savings account that serves as an emergency fund. "If we suddenly got fired from a job, we can still survive at least until four months into the future, until we get a new job," said Ligwina.

Then, be added 1 x salary to the savings finance calculator online accounts, which would be made of funds for a vacation. "Everybody needs a break. If we live in Jakarta do not a holiday, be crazy, huh? "seloroh Ligwina. Furthermore, we can also menambahan 1 x salary again as dana shopping. Total target second account increased to 6 x salary. So, should keep shopping, kok, although he is saving. But take money from the account is no longer a salary. To remember, whether while shopping from the second account, there is indeed a 1 x salary to fund shopping?