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"How to Start Saving: 5 main tips!"

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It's a very human nature to be consumptive. After all, spending is always more fun than saving, isn't it? However, when the going gets though, we are often forced to switch our lifestyle: from spender to saver. For most of us, it won't be an easy task, and can sometimes cause stress and even depression.

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The more pressing need is often a shift of mindset and thought pattern before we can start to spend less and save more, and here are a few tips to help you do that:

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1. Start Keeping the Change
It will be a surprise how what's often to be our very first financial lesson will help you: a piggy bank. Take loose change from your pockets, car trays, or anywhere they're scattered on and save it in the jar. Then, look for ways to add more money to your jar. Challenge yourself if necessary. Commit to putting 10% of whatever's in your wallet at the end of the day. Remember that cursing jar? Why not try it again if it works.

Every month, or every three months, collect what you have in the jar and put it in your savings account.

2. Shift Your Priorities
Our usual mindset is to pay our bills, go shopping, enjoy a meal, and then save whatever's left over before the next paycheck. Shift it so that you set a saving target and make it the very first priority before fixed expenses. Then, your shopping and entertainment budget is what's left over.

It will be tough at the start, and you'll be tempted to go back to your old habit. Thus, we move on to the next tip.

3. Set a Purpose
It's a lot easier to save when you have a purpose behind it. Are you planning a big holiday? Do you want to buy a new car? When you're tempted to neglect your saving target, remember that goal, and it'll help you go back on track.

The amount and the goal shouldn't be big, just remind yourself that whenever you save, you're doing something good for yourself and your future. Save with purpose.

4. Automation
It's a lot harder to rely on yourself to save, so consider asking your employer to transfer your paycheck to different accounts: your saving account and your expenses account. If it's not possible, ask a loved ones to help handle your paycheck, only giving you whatever's left of your saving target and fixed expense.

You can further divide into three accounts, one for expenses, one for short-term savings, and one for long-term savings. Find someone you can trust who can help you.

5. Budgeting
Sometimes, we are overspending simply because we haven't thought of a budget plan. Setting a monthly or weekly budgeting plan can greatly help with tracking your money and planning of what can and what cannot be reduced.

Once you set a budget, take what you need from the bank at the start of the week, and commit not to take any more money during the week.

You'll be surprised how simply setting a budget can help you a long way.