7 The Right Way to Save to Make Your Finances More Secure

Jakarta, Pintu News – Saving money is not just about setting aside money, but also forming healthy and sustainable financial habits. In the midst of technological developments and digital finance, saving money now has more options, including through investing in crypto assets with a dollar cost averaging (DCA) strategy. Here are 7 ways to save money correctly that you can apply starting today.

1. Set a Savings Goal and Budget

The first step is to set a savings goal-whether it’s for an emergency fund, buying a house, or early retirement. After that, create a monthly budget that sets aside at least 20% of your income for savings. You can use popular methods like 50/30/20 to divide your financial items proportionally.

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2. Use Separate Accounts

It’s a good idea to keep your savings account separate from your daily operations account so you’re not tempted to use your savings. Many digital banks now offer sub-account or separate wallet features that you can utilize for free.

3. Automate the Saving Process

Utilize the auto-debit or autoinvest feature to set aside money automatically every month. In the Pintu app, for example, you can set up a DCA strategy to buy crypto such as Bitcoin or Ethereum regularly, starting from just Rp11,000 per day. This helps build assets without having to “time the market”.

4. Start Small, But Be Consistent

Saving doesn’t have to be big, as long as it’s regular. If you can’t save 20%, starting from 5% is no problem. The most important thing is consistency so that habits are formed and you avoid a consumptive lifestyle.

5. Avoid Saving in Risky Places

Don’t keep your savings in places that are easy to use, such as digital wallets or payroll accounts. Place funds in instruments that are difficult to withdraw instantly if the savings are for the long term.

6. Diversification of Savings Types

Besides saving in cash, you can try saving in gold, mutual funds, and even crypto assets. The DCA crypto strategy at Pintu, for example, provides exposure to potential future growth in value while reducing the risk of market volatility.

7. Evaluate and Raise Targets Periodically

Every 6 months, evaluate your savings progress. If your income increases, increase your savings as well. This is important to keep your financial targets relevant and progressive over time.

By following these seven steps, you’ll not only be saving properly, but also setting yourself up for a more secure and stable future. Want to start saving in crypto? Try the DCA feature on Pintu app, an officially registered crypto investment platform suitable for beginners.

Also Read: A Complete Guide to Saving Digital Gold in 2025 – Simple, Safe, Can Start from Rp11,000!

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities are subject to high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying andselling Bitcoin and other crypto asset investments are the responsibility of the reader.

Frequently Asked Questions (FAQ)

1. What percentage should we ideally save from our income?

Ideally, you can set aside 20% of your total monthly income for savings. However, if that’s not possible, start small with 5-10% and gradually increase it.

2. What is the DCA (Dollar Cost Averaging) method?

DCA is an investment strategy where you buy a fixed amount of an asset at regular intervals, regardless of the current market price. In the crypto world, DCA helps reduce the risk of volatility and is suitable for long-term investors.

3. Why is saving in crypto assets an option?

Crypto assets such as Bitcoin and Ethereum have the potential for high value growth in the long run. By saving crypto DCA on platforms like Pintu, you can start investing easily and regularly from a small amount.

4. Is saving crypto safe?

If done through a legal and licensed platform like Pintu (registered with Bappebti and Kominfo), then saving or investing in crypto can be considered safe. However, understand the risks and only use funds that are ready to be invested.

5. When is the best time to start saving?

The short answer: right now. The sooner you start saving, the more you will benefit from the compound interest effect or the increase in asset value.

Reference

• BFI Finance. 7 Ways to Manage Personal Finance Smartly and Appropriately. Accessed November 25, 2025