Easy Savings Tips for Beginners

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Saving is an important first step towards achieving financial independence.

For beginners, here are some savings tips you can apply:

Define Your Savings Goal

Is it for an emergency fund, a vacation, or buying a gadget? A clear goal will motivate you.

Use the 50:30:20 Principle

Allocate 50% of your income for basic needs, 30% for wants, and 20% for savings.

Use a Digital Savings App

Apps like Jenius, OVO, or BCA Mobile make it easy to save automatically.

Start Small

You don't need to save a lot at first. Start with IDR 10,000/day.

Avoid a Consumptive Lifestyle

Reduce impulsive spending, such as unplanned online shopping.

With discipline, saving isn't difficult. Start today!