Start Saving Today and Glow-Up Your Future

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.

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

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

💡 Still not clear? Click here to read up on our lit budgeting tips.

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.

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.

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.

References:

• KWSP | The 50/30/20 Rule: Your Budgeting Best Friend
• KWSP | Pay-Yourself-First Budgeting: What You Need To Know
• Forbes | Freelancers, Here's How to Budget Your Money