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What you should know about saving?

Saving teaches us to plan our future expenses in a sensible manner. Saving should not be perceived as a constraint, but as a good habit which helps us make the most out of our money. It relates to our wish to prepare for the months and years to come. Saving does not just mean “not spending money”, it also means investing for a certain period in the future.

Saving allows us to meet our financial needs without having to borrow money. It is not necessary to have lot of money in order to save: it is sufficient to set aside small amounts, as long as we do so, on a regular basis.

It is safer to keep your savings in the bank than at home, where it is protected by the bank’s extensive security system. Moreover, your savings will earn interest in a bank and the staff can advise you on how to better plan your savings.

It takes determination and discipline to start saving, but that does not mean that it has to be difficult. That is why at ProCredit, we recommend some small steps, which can lead to a secure future:

  • Decide what you want to save for
  • Decide on the amount you wish to save every month (make sure it matches with your monthly income and expenses)
  • Monitor your expenditures
  • Reduce the cost of your bills by using resources efficiently
  • Be persistent – accept savings as a monthly commitment


Everyone can save in line with their income.