In the digital era, young people are getting more creative with money management. While saving used to mean piggy banks or deposits, now we hear new terms like soft saving and hard saving. Both approaches aim to build healthy financial habits, but the methods are very different.
Soft Saving is more relaxed and flexible. It usually involves setting aside leftover money, taking advantage of e-wallet cashback, or joining saving challenges on social media. This method works well for young people who want to save without feeling pressured though the results may not be as fast as other methods.
Hard Saving, on the other hand, is stricter and more disciplined. The principle is “save first, spend later.” Young people who practice hard saving usually set clear targets, such as buying a house, starting a business, or building an emergency fund. This method is effective for reaching goals faster, but it can feel heavy for those who still have many lifestyle needs.
Neither approach is wrong. Soft saving can be a good starting point to build the habit of saving, while hard saving is better suited for those with long-term financial goals. The key is choosing the method that fits your personality and financial situation—as long as you stay consistent.
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