Recently this year, every time i have a banking trip (what i mean is not going to the atm machine but more like going to the bank) , it always urge me to .. rob the bank ... wkwkwk... not just kidding ,,, banking trip always motivates me to save more and more money. It certainly a very positive impact considering me who likes to spend money all around ... both my parents already stamped me as being very wasteful and consumptive.
Anyway, i feel that every time i came back from the bank , afterward, i always think and find a way 'what can i do so i can have more saving' ... and it does change my behavior of spending money as well .. when it comes to spend money on some thing that's not in the regular list, i always put more thought to the importance of spending ... if it's not too important, i just rather save and put money in the bank, so i can get more and more benefit from it rather than having a-spur-of -the-moment happiness/satisfaction and end up spending my money for something that not really valuable...
It started from sometimes getting a call from one of the bank where i save at, first time i usually ignored this kind of call, because for me, getting a call from the bank it sounded almost the same like getting a call from credit card offering either cash money from credit card (kta) or some kind of loan on phone, yeap that kind of phone where i usually just let the telemarketing talk without really listening to what they say and at the end , i usualy say 'maaf, belum ada keperluan untuk uang tunai sekarng, kecuali kalo boleh dapet pinjeman tanpa harus bayar bunga sedikitpun,,, hehehe ... of course, this kind of offer will not existed... "
then i realized, that the calls from the bank is actually offering different kinds of programs, and just say at once i came to the bank and met with the cust service and tried one of the program that they have talked about in the phone ...
With the competitive edge of banking now a days, now i become more aware of which bank have better and suitable product for me, working with the budget that i have.... One bank always give additional bonus of shopping voucher at the end of the month,,, one bank gives you higher interest rate than the regular saving account's interest rate ... in one bank, i can collects points and points where it can be exchange with gifts or another shopping vouchers ... another gives me quite a valuable gift at the beginning when i put the money in it .... so all and all , each bank have different program with differentiation that i can choose .......
So, actually when i started to pay more detail attention to this thing, it becomes saving becomes very attractive ... well oh well, where have i been lately, i put money without thinking or getting any kinds of additional benefit ???? ... what a lost, what a waste !!! .... the key is only tidbits of Attention and Care of what we have !!! oooo, me,, oooo, me ...
as result of paying little more attention, this year i started to get benefits from just the regular saving and saving with very low interest .. one of my favorites is the Shopping Vouchers (either from hypermart, carrefour, giant, sodexo, and some other shopping vouchers) ... once again the key is more paying attention in checking your points with your customer service of the bank regularly .. good to check your points once a month , because other than your regular low interest of 2.5% interest a year (yakkkss ! how low that is) ... then you get another benefit of some rupiahs of shopping voucher or sometimes somekinds of gifts ... not bad , i think, let's say, monthly you get either 100rb rupiah of voucher ..that's definitely bad at all.
realize it now, you don't need to have lots of money to get more benefit, just pay more attention and choose from soo many banks available in here, which bank suitable for your regular operational account, which bank suitable for your short term saving or medium term saving, or if you have more money ,
like Lidwina Harnanto said "to be able to invest doesn't need to wait until you have lots of money, in any income, you can start your investment.. investment start as low as rp 100rb a month, simply by saving your monthly starbuck budget and put it in the investment." -- sounds simple, ain't it ~ but needs lots of effort and willingness to be able to discipline yourself into doing it.
Happy Saving , friends
