Starting a savings routine can often be burdened by the pressure of consistent contributions and the belief that small amounts may not suffice. Overcoming the initial hurdles of adhering to a savings plan is relatively easy, but sustaining it becomes more challenging over time. In pursuit of making savings enjoyable and fostering regular habits, the author shares their personal experience of developing a unique and rewarding savings practice.
Identifying a strong desire for health management, the author learned from fitness-oriented friends that walking alone could improve physical fitness and aid in weight loss. To make the process engaging and fulfilling, they installed a pedometer app on their phone to track daily steps. Inspired by this, they decided to implement a savings rule based on the number of steps walked. For instance, achieving a target of 12,000 steps daily would translate to saving 1,000 won per day in their personal account dedicated to health-related expenses.
The health-oriented savings approach proved to be remarkably effective. Initially, the funds were used to cover medical costs and prescriptions, but as the savings grew, they were also utilized for purchasing exercise equipment and health supplements. More recently, the author invested in Pilates socks using their savings, envisioning their "Health Savings Account" as a kind of insurance for future health-related expenses.
The method of saving based on steps walked is a simple and adaptable approach that anyone can try. This method can be used not only for health-related goals but for various purposes. The key is to maintain consistent savings, even in small amounts, and design a routine that addresses everyday challenges.
For those seeking other savings ideas, the article suggests alternative methods like:
- Saving 1,000 won for memorizing 300 English words daily
- Saving 2,000 won for walking home from a farther bus stop
- Saving 5,000 won each time the temptation of late-night snacks is resisted
Moreover, the article recommends utilizing bank accounts that suit individual preferences, such as flexible savings accounts or Current Money Accounts (CMA) that offer daily interest payments.
In conclusion, the article emphasizes that consistent, small-scale savings can lead to significant rewards over time. Readers are encouraged to explore their personal goals and design their own creative savings routines to foster financial security and achieve their dreams.
Check Points
1. Savings can be achieved without fixed monthly contributions.
2. Use savings as a reward for health-oriented achievements like walking or exercising.
3. Consider flexible savings accounts or CMAs that suit individual needs and allow easy access to funds.