Here are a few reasons why, even when you have plenty of money, saving can still feel difficult:
A Consumerist Lifestyle
One of the biggest reasons is a tendency toward a consumer-driven lifestyle. Shopping promos, discounts, and the “flexing” trend often make people prioritize wants over needs. Money that should go into savings instead gets spent on things that aren’t really urgent.
Lack of Financial Planning
Many people focus only on daily expenses without creating a long-term plan. Without a clear budget, money tends to disappear quickly without realizing where it went and saving becomes an afterthought.
Limited Income
For some people, their income barely covers basic needs, making it hard to set aside extra money for savings. However, even saving as little as Rp10,000–Rp20,000 regularly can be a great place to start.
No Clear Financial Goals
Saving without a goal can feel dull, which is why many people give up halfway. Having a target like building an emergency fund, planning a vacation, or buying a house makes saving more purposeful and consistent.
The “I’ll Do It Later” Mindset
Many tend to delay saving, thinking they’ll start tomorrow or next month. Unfortunately, this habit of postponing is exactly what prevents savings from growing.
Start with something simple, like the 50/30/20 rule: 50% for needs, 30% for wants, and 20% for savings or investments. You can also use auto-debit features or e-wallet savings tools to make saving easier and more consistent.
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