According to him, collecting change in the form of loose change can be used to buy goods with a large value.ДЇor example, the change after shopping at the supermarket, if collected, can be used to buy coffee and lunch. Ric Edelman who is the Chairman and CEO of Edelman Financial Services provides a special trick to be able to save properly. Even Howard stated that the first jobber should be able to live off half his salary because he doesn't have many dependents and expenses. However, make sure that the percentage increases every month until it reaches at least 20% of the salary. If you are not familiar with the allocation of savings is 20% of salary, can start with 2% of salary. Not many people can save large amounts, so start small. By applying this method, you have learned to save discipline the easy way.ДЄccording to Clark Howard, a consumer expert, saving should start from a small amount first but do it regularly. Set the transfer amount and transfer date consistently which is directly transferred to a savings account. It also avoids you being tempted to spend your income before putting it into savings. That way, you will have no excuse for forgetting to save. Torabi recommends that at least 10% of your salary should be transferred by auto debit to a savings account. Set Automatic Debit to Savings AccountДЇarnoosh Torabi, a writer and financial expert points out that saving with automatic transfers is the most effective way. Reporting from the GoBankingRates website, this is the right way to save according to financial experts.ДЎ. Of the many ways to save, the following are sources from financial experts. This is the Right Way of Saving According to Financial Experts It's never too late to start improving financial management. If the nominal money you save is still very small, while your income has increased, there may be something wrong with your spending budget.ДЄre you still experiencing any of the signs above? If so, now is the time to change the right saving habits. Ideally, the savings percentage is no less than this.ДЄlong with the increase in salary or additional bonuses, the value of savings and the percentage should also increase. We recommend that you set aside about 10% -15% for the allocation of savings. If it's not in an emergency, but you still often use your savings to spend on tertiary needs or luxury goods, there is certainly something wrong with the way you save.Д«efore receiving a salary, you should make a budget to determine the portion of savings, spending, and other social activities. Provided the value is not greater than the amount you save each month.

In an emergency and urgent situation, you can still use your savings. Having a large amount of savings can encourage you to spend it occasionally. When you already have a separate savings account, the next step is to make sure that there is no other activity in the account other than saving. Instead of saving, what is there is that the amount of savings will decrease due to out-of-budget spending. This actually encourages you to spend even more. By combining savings and spending money, your account balance will get bigger. If your savings account is still one with the daily necessities account, it can be said that your saving method is not right. Savings Account Not Separated from Daily Account Some of you may have started the habit of saving, but are you using the right method? The following signs indicate that you are not saving properly.ДЎ. If until now you are still having difficulty setting aside money, there may be something wrong with the way you save. On the internet, there are lots of easy ways to save according to your condition. More than that, saving is about forming persistent habits. Saving is not just about how much money you can afford to put aside. This will become more difficult if you do not start to get used to saving the right way. In fact, saving is not always an easy habit for everyone even though they already know its many benefits for the future. Starting a saving activity plays an important role in the financial flow, especially for those of you who have just started working and have your first income. Indirectly, saving can help you know about priorities in finance. Savings also play a role in ensuring your financial stability if something unexpected happens in the future. Saving is one way in financial management that aims to prepare reserve funds in the future.

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