Whether you want to save for your pension. It doesn't matter whether you want to save for a holiday or a new car. As long as you start saving, that's the most important thing. How you do this and especially how you can successfully maintain it is the most difficult thing, so you must have a good and clear plan for yourself, and that does not have to be difficult at all.

How should I start saving?

Very simple, open a savings account at a bank other than your own bank. Transfer an amount here for the first time. So, now you have started saving.

It is important that this is a different bank, so that you cannot withdraw and spend it too easily. Build a small threshold for yourself.

Transfer the first savings amount. This is the beginning. You will then work out how you are going to put this into a fixed pattern, which will take you a little more time and you will have to sort it out for yourself. We will help you with that.

The richest man in Babylon.

Read this thin but very simple book (Watch The Richest Man in Babylon on Bol.com). It describes how you can save and become rich without having to struggle every day. These types of principles are very important for successful saving. Fortunately, it's not really difficult, as long as you follow a few sets of rules.

Your own savings system to financial independence

The first emphatic tip is also perhaps the most important. If you do not adhere to this tip, the chance that you will save successfully is not very high.

Tip 1: Save immediately after you receive your income.

This is very important. Then you can spend whatever you want. As humans, we tend to always have a portion of the month left at the end of our wages. Just think about that. That is why it is important that you save first. According to the richest man in Bybylon, you should always save 10% of your income.

Tip 2: Always pay off your debts first.

The richest man in Babyblon always uses 20% of his income to pay off debts. Perhaps that is more than you have agreed to repay with your bank, mortgage provider or your personal loan. However, it is very wise to stick to this 20% in order to pay off your debts as quickly as possible, but also realistically possible. Then you have 70% of your income left to live on. That should always work out fine.

Tip 3: No exceptions, no excuses.

Be strict with yourself and stick to these rules. These are of course examples and you can adjust the numbers yourself. But be strict

Subscriptions are the financial burden of the Netflix generation

Have you ever calculated how much money you spend every month on subscriptions like Netflix? Think of Spotify, Netflix, iCloud storage, Basic Fit, your internet subscription, your telephone subscription, gas, water, electricity, insurance, payments on a new gadget. Soon there will be another movie service from Disney and one from Apple that you will of course also want to try and then forget to cancel. Do you know what gyms make the most money from? Subscriptions worth a few tens of euros from people who never come but pay properly. Of course that's not you, right?

All in all, you can easily spend a few hundred euros on this. Some things are of course essential, but do you really use everything you pay for? Or are there a few subscriptions that you can perhaps say goodbye to without really missing them? See what you can miss or not use at all. And use that behavior to start saving.

A new addiction, believe it or not

After a while, you might also get addicted to looking at your savings account to see how much you have already saved. Make this clear to yourself by writing it down so that you can see for yourself how much progress you have made. It doesn't matter whether you do this in a notebook, in an online program or an Excel file.

Will you take up the savings challenge?

It really doesn't matter what you save for. Whether you have a big goal, or whether you make a small goal to start. Just start, make a few rules for yourself and make sure you write these rules down so that it is easier to stick to them.

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