Saving in 2025 isn't just about discipline, but also about strategy. The financial world is now fast-paced and digital; old methods like "saving in a piggy bank" are no longer enough. But don't worry, with a smart and realistic approach, you can still have savings that grow every month without feeling burdened.

Here are 7 tips for saving in 2025 that you can start right now:

1. Set specific financial goals

Don't just say "I want to save." Determine your goals, for example, for an emergency fund, buying a motorcycle, traveling, or a down payment on a house. Clear goals will make you more focused and motivated to keep saving.

2. Use auto-save or auto-debit features

In 2025, almost all digital banks and financial applications have an auto-save feature. This feature automatically transfers a portion of your money to a savings account every month. This method is perfect for those who often forget or are tempted by impulsive spending.

3. Separate accounts for savings and expenses

Open a special account for your savings. Don't mix daily money with savings. That way, you won't easily "accidentally use" it.

4. Record and monitor cash flow

Use financial applications to record income and expenses. Many free applications can help you know where your money goes each month. From there, you can adjust spending categories to be more efficient.

5. Apply the 50/30/20 method

This classic method remains relevant in 2025. Allocate:

• 50% for needs (rent, food, transportation)
• 30% for wants (entertainment, lifestyle)
• 20% for savings or investments

If you can be consistent, your savings will grow without you realizing it.

6. Take advantage of rewards, cashback, and financial promotions

Many financial platforms now offer higher interest rates, reward points, or cashback for active users. You can use these promotions to help you save without having to spend extra money.

7. Start light investing after savings are stable

Once your emergency fund is secure (usually equivalent to 3-6 months of expenses), start investing some of your money. Safe options for beginners in 2025 include: money market mutual funds, digital deposits, or time deposits.

Saving in 2025 is not just about storing money, but also about managing money smartly. Use technology to help you stay consistent from auto-save, financial records, to light investing. Because the most important thing is not how much you start with, but how consistent you are in doing it.

Also read: Salary always runs out? Try these tips to manage your expenses!

FAQ: Tips for Saving in 2025

1. What percentage of salary is ideal for saving in 2025?

Ideally 10–20% of your monthly income. If you can save more, that's great. But consistency is key.

2. What are the best apps for saving in 2025?

Several financial applications and digital banks like Jenius, Honest, or Seabank have auto-save features and financial reports that can help you save automatically.

3. Is it better to save or invest directly?

Start with saving for an emergency fund first. After that, move on to investing so your money can grow faster.

4. Is saving in a digital bank safe?

Yes, it's safe, as long as the digital bank is registered and supervised by OJK and LPS. Always check the legality before opening an account.