are you hard to save? practice this

Saving is not difficult, really. The hard part is keeping money to keep it. Is that right?
You may often feel this way: eager to put money as a future savings or necessity more important in the future, but what happens is that all income is almost always exhausted for consumption.

The strange thing, when you rate the bigger the income gained, the value of savings just did not follow-up increased. In fact, the more extravagant lifestyle until the increase in income does not affect your preparation for future needs.
Many people get stuck in a situation like this: eager to cut spending on a necessity but use the austerity fund for expenditure at another post. For example, you can save on transport costs by up to 30% since switching to public transportation. But, the savings of 30% that you use to shop for other things that are consumptive. Same thing, dong, yes.
Saving or spending money means you can set aside some income and leave it as a savings, do not use it for anything else. Sounds easy but it's hard. Do not worry, you may need to apply these 10 tricks from comparison sites and financial product submissions HaloMoney.co.id:

Lock your savings
It's also an effective way to help you keep your savings: lock in funds. Can be through bank deposit products or savings product plans are widely available in the bank.
Currently enough online deposit products that you can save money from Rp 5 million. The trick is easy, suppose every month you can target set aside Rp1, 5 million. When later already collected Rp5 million, please move the funds to the account of time deposits.
Alternatively, take advantage of a savings plan that can usually attract an autodebit savings account while locking down your money for a certain period.
Make real assets
Some people find it difficult to see money "idle" in the account. Finally, the money originally intended to be put aside to be used because it is too easy to use it. Do you experience this too? If so, until whenever you will have difficulty having enough savings.
In order not to easily spend the money you should set aside, from now on make it a habit to convert the saved money into a real asset. For example, gold. Now there are enough gold saving products that you can use.
Suppose every month you set aside Rp1 million. Well, you can instantly make money worth it into gold bullion. In addition to helping you ward off inflation, converting money into real assets also minimizes the likelihood you directly use them for shopping. If the savings are in the form of gold, at least you need more effort when want to melt them into money.
Create an automated system
Hoping to save by relying on your own will? Forget it. It is too heavy and more often fails in the middle of the road. Do not rely on yourself to force to do something that is somewhat difficult, especially if you hobby shopping.
Then, in order to save, you need to build an automatic saving system. The trick is easy. In your salary or earnings account, you can set automatic transfer to a savings account. Almost all bank products have this feature. So you do not have to worry about skipping this saving obligation. For example, you get a salary of 25 each month. Just set the autodebet every 27th to your savings or investment account.
Hide your money
What does this mean? The easy way that you can save money is do not let you remember that you have the money. Hide somewhere!
Hide means to place it in a place that is not easily retrieved easily. For example, your payroll or earnings account is in an ABC bank account, so you need to open an account again at XYZ bank to place a special savings fund.
Make sure this savings-specific account does not have a debit card or ATM, yes. Let's just say this money forgot though it does not mean really forget it. That way, you can hardly be tempted to take this savings for unclear purposes.
Name it
The next trick is, try naming for every savings you put away. This will help you psychologically mark the initial goal of allowance for money. For example, you are saving for the preparation of marriage or saving funds for the needs of the child's base money. Name it directly with the need.
By giving him a name, at least when tempted to take or withdraw the savings, you are invited to think twice: Are you sure you want to take the child's school preparation money?