Saving Even if Your Salary Is Small

Saving Even with a Small Salary: Find Out How!

Saving with a Small Salary – Who says saving is only for those with large incomes? Even with limited earnings, there are smart ways to start saving.

Being a millennial with a small salary is not a reason to avoid saving. On the contrary, it's time to adopt healthy financial habits. One key is to find the right and easy way to save.

Let's explore tips for saving with a small salary.

Also Read: Here are 10 Useful Gift Ideas for a Friend's Wedding!

5 Saving Even with a Small Salary

1. Understand Your Expenses and Create a Budget

Saving Even if Your Salary Is Small

Before starting to save, understand your spending patterns. Identify where you can make savings. Then, create a realistic monthly budget. Although it may seem complicated, budgeting is very beneficial for planning your expenses so that they don't exceed your budget.

Then, determine the percentage of your income that you will allocate for savings.

2. Separate Savings from Salary

An effective way to avoid temptation to use your savings is to separate it from your main salary account. Open a separate savings account and make sure to save a percentage of your salary there.

It doesn't have to be a large amount; you can start with 20% or 30% of your salary to save.

3. Try Whiz Smart Saver

One way to save is to lock your money in a fixed-term deposit to resist the temptation to use it. A secure deposit option is Whiz Smart Saver. 

Whiz offers a high interest rate of 6.75% and low risk for those starting to learn about investing. Moreover, you can withdraw your money before maturity without penalty. With this flexibility, you can enjoy the investment returns without worrying about urgent needs.

By locking your money in Whiz Smart Saver, you no longer need to worry about your funds being used. Additionally, you just need to wait for the interest from your deposit. Very advantageous, isn't it?

4. Look for Additional Sources of Income

If you feel that your salary is so small that it makes it difficult for you to save, consider looking for additional sources of income.

Apart from your main job, seek additional income sources. There may be skills or hobbies that you can monetize. This can help increase your income and make it easier for you to save.

5. Create a Long-Term Plan

Saving is not just about the present but also for the future. Create a long-term financial plan. Set savings goals and targets, so you have more motivation to consistently save.

Also Read: 3 Discussions about Finances that must be Discussed with Your Partner

Well, those were some tips to still be able to save even with a small salary. Remember, the key is discipline and consistency. Don't hesitate to try Smart Saver to make your savings grow rapidly. Hopefully, this article provides inspiration and motivation to achieve better financial health!

Apart from that, take part in the Google Play Store Review Giveaway to get additional profit for you. Read the complete terms and conditions below.

Conditions to Join the Program

Giveaway period starts from April 2nd to their April 30, 2024

a) Google Play Store Review Giveaway is held simultaneously on various Whiz social media accounts that post related to the Giveaway.
b) Giveaway with prizes of MAP vouchers with a total value of IDR 100,000 for 2 lucky people chosen at random
c) The review must tell about your experience of saving with the Whiz Smart Saver feature. Example:
“I like it, Whiz Smart Saver has a high interest rate of 6,75%”
"Saving is safe with Whiz Smart Saver because it is guaranteed by LPS"
"Save diligently with Whiz Smart Saver because the application is easy to use"
"You can save from 1 month with Whiz Smart Saver"
d) After a successful review, participants must comment "the name of the Google Play account used during the review" on the giveaway post page

Prize Claim Terms

a) Participants have never made a claim for a prize from a promo program organized by Whiz or Whiz partners
b) Selected participants who meet the requirements must be able to prove ownership of a Google Play account as a basis for claiming prizes
c) Prize confirmation deadline is H+7 from the giveaway announcement. If missed, the prize will be forfeited.
d) Prizes will be given to Participants no later than H+7 after the program requirements are met.


a) This program is voluntary and free of charge.
b) Determination of Winners is the absolute authority of the Whiz.
c) Whiz has the right to cancel the program at any time or cancel the prize giving if when participating in this program the Participant is indicated to be fraudulent without needing to prove it to the Participant
d) These Terms and Conditions may change at any time according to Whiz's policy.
e) The program does not apply to Whiz employees
f) By participating in this giveaway, participants have agreed and are happy for Whiz to display participant reviews on Whiz's channel at any time.
g) Participants declare that they agree to these terms and conditions by participating in this program

So, those are the terms and conditions for the Google Play Review giveaway. Join right away and get additional profits for yourself!