Search
Back
Accounts  
 
Riuh Durian Runtuh 2025 Campaign
Open a CIMB DURIAN-i Account, deposit & stand to win over 10,000 prizes, including all-expenses-paid trips to Iceland, Maldives, and more! Earn more entries now. T&C.
Valid until 31st Dec 2025
Financing  
 
Cash Plus Personal Loan
Personal loan in an instant — Loan for all your personal needs. Get instant loan approval from 4.38% p.a. Apply now. Manage your finances better with rates from 4.38% p.a. Zero fees with instant approval.
Remittance  
Currency Exchange  
Sustainability at CIMB  
CIMB@Work  
More Services  
Islamic Banking Overview  
Islamic Wealth Management  
Latest Promotions  
 
Riuh Durian Runtuh 2025 Campaign
Open a CIMB DURIAN-i Account, deposit & stand to win over 10,000 prizes, including all-expenses-paid trips to Iceland, Maldives, and more! Earn more entries now. T&C.
Valid until 31st Dec 2025
CIMB Deals  
Kita Bagi Jadi  
 
Komuniti
CIMB Kita Bagi Jadi Komuniti is our platform dedicated to economic empowerment, education, and enabling communities to thrive.
CIMB OCTO App  
CIMB Clicks  
Apply for Products  
DuitNow QR  
Personalised For You  
Customer Help Centre  
Locate Us  
Extra Care by CIMB  
You're viewing:
Personal Banking
Other Sites
Day To Day Banking
Wealth Management
Investments
Insurance/Takaful
Deals & Promotions
Latest Promotions
Kita Bagi Jadi
Help & Support
Rates & Charges
Calculators
Security & Fraud
logo
MY

Adulting is hard, but your bank account doesn’t have to suffer while you figure things out.

 

Whether you are working full-time, freelancing or still planning your next move, starting your savings game is the ultimate glow-up. The earlier you begin, the faster your money grows and the sooner you can enjoy financial freedom or that early retirement you have been dreaming of!

 

Here’s your straight to the point savings starter pack to help you get there:

Step 1:

Set Your Glow-Up Goal (Your WHY)

Saving just to save gets boring real quick, try attaching a vibe to it:

 

  • Solo trip to Korea
  • Financial freedom – no sweat, no stress over money
  • The latest iPhone
  • RM5k emergency fund
  • Retiring comfortably by 40

 

💡Tip: Write it in your Notes app, screenshot and set it as lockscreen.

Step 2:

Pick Your Savings Avatar

No one-size-fits-all here, what’s your vibe?

 

Auto-Pilot Saver 

Schedule an auto-transfer of a fixed amount to your savings account every payday so it’s gone before you can touch it.

 

The Goal Getter

Create multiple “savings pots” for different goals.

 

Rhythm Saver 

Saves a consistent amount each month and top up when there’s extra in the month

Step 3:

Choose Your Budget Rule

Plug-and-play one that fits your lifestyle. Start simple and adjust as you learn.

 

  • 50/30/20 Rule: 50% Needs, 30% Wants, 20% Savings/Investment
  • 60/10/10/20 Rule (For Irregular Income Earners): Needs / Fun / Debts or Giveback / Save
  • Lazy Budget: Save 10 – 30% first and spend the rest however you want

Step 4:

Build That Emergency Fund First

Before chasing that financial freedom or early retirement dream, secure your emergency funds. Think of this as your “break-glass” money for actual emergencies like job loss, broken laptop or unexpected bills.

 

Start small: RM500 → RM1,000 → RM3,000 until you reach the required amount. 

 

💡 Tip: Not sure how much you need? Check out our simple math guide.

Step 5:

Make it A Habit + Squad Up

You don’t need to be perfect, you just need to be consistent. Choose your savings style and budget rule and stick to it. 

 

Save small but regularly and celebrate small wins (even RM50/month counts!)

 

Friendly peer pressure helps you stay on track and keeps savings fun. Create a group chat with friends and share your savings progress. Do a monthly dare for the lowest saver.

 

💡 Tip: Saving is easier when it is a part of your lifestyle - not a boring chore.

Summary:

Your Cheat Sheet

Step

What To Do

Pro Tip

1

Set your why

Save for something you really care about

2

Pick a savings method

Auto-transfer works best for lazy savers

3

Use the budget rule that fits you

Try 50/30/20 rule if starting out

4

Snowball your savings

Start small, increase weekly

5

Emergency funds first

Even RM500 helps you sleep better

6

Make it a habit

Turn it into a vibe, not a chore

You don’t need to earn 5-figures to start saving. You just need a goal, a method, and the guts to keep going. The earlier you roll your snowball, the bigger it’ll be when you need it.

 

 

This article is for informational purposes only and CIMB does not make any representation and warranty as to the accuracy, completeness and fairness of any information contained in this article. As this article is general in nature, it is not intended to address the circumstances of any particular individual or entity. You are advised to consult a financial advisor or investment professional before making any decisions based on the information contained in this article. CIMB assumes no liability for any consequences arising from your reliance on the information presented here.