yup.. pengen punya mobil, pengen punya rumah...
tapi pendapatan bulanan cuman segini, hiks...** kayanya buat nabung aja susaaaah, boro-boro deh nyicil rumah & mobil.. but actually, there is a secret to save money.. and I wanna share it with all of you.. agak mbulet and *easier said (or wrote) than done* siih... tapi lan, at least, we can give it a shot.. nothing to lose lah..
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The Secret To Saving Money

From Jeremy Vohwinkle (Your Guide to Financial Planning)

“Yes, You CAN Save For Your Future”

Saving money is a basic concept of personal financial planning, and key to financial success. Yet many of us don't have a formal savings plan. Without such a plan, the chances of ever saving enough money to meet long-term financial goals or achieve financial security are very slim.

It seems simple. In order to save money, you need to have "extra" cash, right? This is a common misconception. Having a spending plan (aka "budget"), will help you create money for savings. Most of us, by setting spending goals, can manage to save regularly, so if you're tempted to hit your back button because you simply don't have enough money to have a formal savings plan, STOP! This article will tell you the "secrets" to savings.

First, set a few short-term and long-term financial goals to work towards, like a down payment on a car or home.

Include the dollar amount and a time frame for achieving the goal. It's much more motivating to save when you know what you're saving for. And remember, a goal that isn't written down is only a dream.

Set up a separate savings account. If you mingle your savings with your regular checking account, you'll almost certainly dip into your savings and may never pay them back. Having your savings in a separate account is a constant reminder that these funds are earmarked for your future, and watching the balance grow is not only rewarding and motivating - it's downright exciting!

If you don't already have a written budget that includes tracking your expenditures each month, begin one now. Whether you make thousands of dollars or hundreds of thousands of dollars a year, you need a budget. Budgeting can be relatively simple and entirely guilt-free.

Decide on a percentage of your gross income to designate as savings. 10% is a good starting point, but if you've developed a budget and have analyzed your spending and you honestly can't find a way to set aside 10% for your future, then start out with 8%, or 5%, or whatever you're able to do with perhaps a little bit of discomfort but without great sacrifice.

If possible, have your employer or your spouse's employer deduct a set amount from your paycheck each pay period and deposit it into your savings account automatically. The old adage "out of sight, out of mind" works well here. Having to transfer money to your savings account is a little like giving someone who is trying to quit smoking a cigarette to carry around in his pocket and expecting him not to light up. Why tempt yourself? Make it easy and increase your chances of success with automatic deposits or transfers.

Whenever unexpected money comes your way, put all or most of it into your savings account. Bonuses, salary increases, tax refunds, rebates, overtime pay, income from hobbies or yard sales and other windfalls can pump up your savings account nicely without requiring additional cutbacks.

If you're forced to dip into your savings for an emergency, consider it a loan which must be paid back in a reasonable period of time, and set up a repayment schedule.

That's all there is to it! The "secret" is that there's no magic involved. The key is to start now and stick to it.

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find any ideas yet???

ternyata eh ternyata... it is very hard to avoid temptations from the credit cards.. uugh, i use to have 4 credit cards (i know some of you might have more than that, cos I have a friend with 10 credit cards!! and all are in their full capacity.. fyuh, gmn bayarnya ya..??) anyway, with my 4 credit cards I went to a lot of trouble.. and got a bit traumatic.. so I stop using it.. sudah berhasil selama 2 taun terakhir.. yaaayy, free from it..!! thank God...

so now, I just made a recap of my expenses and mau share aja, buat temen2 yg baru ngrasain kepengen punya tabungan, pengen bebas dari credit card debts, stop excessive shopping and start saving!! here's a nice article that might help you understand what's behind your outrageous shopping behaviour and how to control yourself ;)

The Psychology of Spending Money

From Jeremy Vohwinkle,
Your Guide to Financial Planning.

The Real Culprit Behind Your Urge to Splurge

In a perfect world, we would all avoid too much credit card debt and would never have to deal with the desperation of being unable to meet our credit card payment obligations.

We'd never have creditors hounding us for payment.

We'd never know the frustration of not being able to afford what we really want because every extra cent has to go towards keeping up with the minimum payments on our credit cards.

But this isn't a perfect world, and unfortunately these distressing situations are the norm for many people.

If you find yourself in this position, or headed there, take control of your spending now. Don't wait until your situation is so dire that you have few options available to you.

An important aspect of debt that is not always addressed is why you got too deeply into debt in the first place.

Why did you keep charging items you couldn't afford? Why did you feel the urge to use those little plastic cards for things that weren't necessary, even when you began to struggle to make the payments? What causes your compulsive shopping?

Facing the factors that give you the urge to splurge can be uncomfortable, but if you don't face them, you may never get control of your spending and your debt. If you're always trying to pay off yesterday's purchases, many of which have long since worn out or been forgotten, how will you acquire the things you truly want for tomorrow?

One negative aspect of using credit cards instead of cash is that you don't feel like you're spending real money. The pleasant feelings you experience when you purchase the item are disconnected from the unpleasant or painful feelings of making the payment when you get the credit card statement.

Studies show that most people are much less likely to buy, or less willing to spend as much, when paying with cash as opposed to credit cards. Try leaving your credit cards at home. Pay with cash, check, or a debit card.

To really get control of your spending and your credit card debt, you need to examine what money means to you. Make an effort to notice how you interact with money and what beliefs and attitudes you have about money. Studies also show that people with low self-esteem engage in more impulse spending and buying things they don't need.

Remind yourself daily that money or a lack of it doesn't determine who you are. Your worth as a person has nothing to do with how much money you have. Once you truly believe this, and money is no longer connected to your sense of self-worth, you open up the psychological barriers that were keeping you from wisely handling the money you do have and limiting your ability to make more.

Right now, your unconscious limiting beliefs may be keeping you from being financially successful, but as you begin to build up your feelings of self-worth and develop a positive attitude about yourself and about money, you'll attract positive things into your life. As you do so, you'll feel less of a need to generate positive feelings by purchasing things, and you'll find it easier to stop buying items you don't really need.

There are hundreds of books, magazine articles, and Internet web sites about getting rid of credit card debt. Some of them offer sound advice about the psychological aspects of money and spending that you'd do well to consider.

If psychological factors influence your spending, credit reduction programs are like using perfume to cover body odor: they will treat only the symptoms, not the root cause. Working on the psychological aspects while taking steps to reduce debt will greatly increase your chances of long-term success.

 

Several of my favorite books on this subject are listed below, all available at Amazon.com. To explore this topic more, read one or more of them:

The Courage to Be Rich by Suze Orman

Your Money or Your Life by Joseph R. Dominguez and Vicki Robin

Money Harmony: Resolving Money Conflicts in Your Life and Your Relationships, by Olivia Mellan

Consuming Passions: Help for Compulsive Shoppers, by Ellen Mohr Catalano and Nina Sonenberg