The daily saving table can be a way to achieve the expected financial goals. Daily saving is one of the most important activities in our financial life.
Saving regularly and consistently will help us achieve the financial goals we want to achieve, whether it’s to buy the things we want, prepare for the future, or even prepare for retirement.
One way to help make daily saving easier is to use a daily saving table. Want to know how? Come on, see more in the following article.
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Table of Saving 3 Million a Month
Creating a daily savings table actually depends on each person’s preferences, goals, and abilities. Because, of course, everyone’s expenses and income are different, right?
If you have a target of saving IDR 3,000,000 in a month, you can divide this amount by several smaller nominal amounts to reach the expected target. The nominal amount can of course be adjusted to your ability.
For example, you can save from a large nominal amount first when you get a salary, then the nominal decreases as the day goes on to make it lighter. The following is an example of a daily saving table of IDR 3 million a month.
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Table of Daily Savings for Students with Limited Allowances
As a student, of course, the pocket money you have is still limited. However, this doesn’t need to be an obstacle because you can still save daily with an adjusted nominal table.
If you have an allowance of IDR 50,000 per day, you can also make a simulation table for daily savings for 30 days to reach IDR 1,000,000. Here’s the distribution that you can follow.
Try to always save more than 50 percent of your allowance, and increase the amount every week. Indeed, it will feel quite heavy at the end because it means that the nominal is large enough, and there is only a little left that you can use for snacks.
If your allowance is less than the simulation above, or your daily needs are more and you can only set aside a little, you can adjust the nominal daily savings again according to your preferences, needs and abilities.
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Tips for Saving Daily to be Effective and Successful
Saving daily with your own target and nominal can help you better manage your finances and put the brakes on unnecessary expenses. However, to be more successful in saving daily, there are some tips that you can follow as below.
1. Create a Daily Spending Budget
The first thing that needs to be done in daily savings is to make a daily spending budget. You can determine how much money you can spend in a day and divide it into several expense categories such as food, transportation, and shopping for daily needs.
By making this daily spending budget, you can know exactly how much money can be allocated to each expense category and prevent unnecessary expenses.
2. Save Before Spending Money
The second thing that needs to be done to save daily is to save before spending money. For example, if you can spend Rp. 100,000 a day, then you can divide it into two parts, namely Rp. 50,000 for daily needs and Rp. 50,000 for saving.
By saving before spending money, you can ensure that you set aside money to save before the money is used for daily expenses.
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3. Determine Savings Goals
The third thing that needs to be done to save daily is to set a savings goal. Savings goals can be things you want to achieve in the short term or long term, such as buying a new gadget, preparing for college, or preparing for future needs.
By setting these savings goals, you can motivate yourself to save and accelerate the achievement of financial goals.
4. Utilize Financial Applications
You can also take advantage of financial applications to help manage your finances.
Financial apps can help you monitor your expenses and provide notifications when you are close to a specified spending limit. Apart from that, financial applications can also help you to monitor the progress of your savings from time to time.
Hopefully this article can help you save money and achieve the financial goals you want .