{"type":"document","data":{"id":"4f09ffd1-4a8c-4f47-a1d4-67750ebc44d8","localeString":"en-GB","publishDate":"2023-09-20T10:47:24.374+02:00","contentType":"onecms:editorialPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Combien épargner chaque mois ? Quel est le minimum à avoir sur son compte d’épargne ? Demandez à plusieurs personnes dans une situation similaire à la vôtre et vous obtiendrez des réponses très différentes. En effet, il existe de nombreuses façons d'épargner : cela va du dépôt d'une pièce dans une tirelire à un virement automatique mensuel. Mais quelle que soit la manière, épargner un montant mensuel fixe est plus facile à dire qu'à faire."},"mainHeaderZone":{"componentType":"editorialHeader","coreHeader":{"title":"SOS savings: how much money should you save each month?","subtitle":"How much money you should save each month: ask other young people and you'll get plenty of answers. In fact, it can be done in many different ways: from putting a coin in a piggy bank every month to an automated transfer. No wonder you’re doubting whether you're doing it right. Especially since saving a fixed monthly amount is easier said than done.","body":"Because ultimately the key question is: how much money should you save each month without sacrificing comfort? And what back-up amount should you have saved at all times? Fortunately, it's not as difficult as it seems. We're happy to explain it to you below."},"backLink":{"textLink":{"url":"/en/individuals/my-life/studies-and-work","text":"Studies and work"}},"date":"2023-09-20","readingTime":0},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"The golden money rule for monthly savings"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span>The exact amount that you can save depends on your own financial situation. Nevertheless, there is one general rule of thumb that applies to everyone<strong>: save 10 percent of your net income each month</strong>. In other words, if you have a net income of 2,000 euros, it&apos;s best to set aside 200 euros a month in your savings account. </span></span></span></span></p><p><span><span><span><span>That may seem like a lot at first glance, but it also means that you can freely spend 90 percent of your salary on what&apos;s important to you. And that doesn’t sound so bad at all.</span></span></span></span></p><p><span><span><span><span>How much savings you set aside per month is just one aspect. You also have to understand why you are doing this. For example, it is a good idea to first save a portion of your income to build a so-called <strong>savings buffer</strong>. This ideally consists of <strong>three to six times your net monthly income</strong> to cover unforeseen expenses at all times. Only then you can really start saving for specific goals such as a trip, car, or home.</span></span></span></span></p>"}},{"componentType":"sectionTitle","title":"Why monthly savings are always a good idea"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span>Perhaps even more important than advice on how much to save is the fact that <strong>every little bit counts</strong>. Make an overview for yourself of the money you spend each month with a clear division between your fixed costs and other expenses. The ING Banking app can help you do this. You can view all transactions from the last six months and immediately see how much you spent on each category. That way you can often quickly see where you could save. </span></span></span></span></p><p> </p><p><span><span><span><span>Is saving 10 percent every month not feasible for you? Then certainly don&apos;t let that stop you from saving a smaller amount. Every euro you can save always benefits you. Whether it&apos;s to book your dream trip, build up savings for retirement, or be prepared for unexpected expenses, <strong>saving always pays off.</strong></span></span></span></span></p>"}},{"componentType":"highlight","title":"Do you also get a bonus and/or holiday pay every year?","richBody":{"value":"<p><span><span><span><span>Then make sure to also include these in your overview. After all, it increases the amount that you can save. It can also be useful to put this extra money aside as soon as you receive it. That way you will soon have a nicely filled piggy bank without your monthly budget suffering.</span></span></span></span></p>"}},{"componentType":"sectionTitle","title":"How can you start your monthly savings?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span>Monthly savings can generally be accumulated in <strong>two ways</strong>:</span></span></span></span></p><ul><li><span><span><strong><span><span>Classic savings account</span></span></strong><span><span>: </span></span><a href=\"https://www.ing.be/en/individuals/saving/compare-savings-accounts\"><span><span>Opening a savings account</span></span></a><span><span> is actually a must as soon as you have your own income. You can have part of your salary automatically deposited into your account each month, which makes saving a lot easier. Moreover, you can transfer your savings to your current account whenever you need them. </span></span></span></span></li><li><span><span><a href=\"https://www.ing.be/en/individuals/pension/pension-savings\"><strong><span><span>Pension savings</span></span></strong></a><span><span>: another smart way to collect some extra cash by the time you turn 60 and to enjoy a tax benefit today. By saving for retirement</span></span><span><span>, you enjoy a possible tax reduction of up to 30 percent every year.</span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"Some additional monthly savings tips"},{"componentType":"paragraph","richBody":{"value":"<ul><li>​​<span><span><strong><span><span>Don&apos;t limit yourself to one savings account</span></span></strong><span><span>. To make sure you don&apos;t unnecessarily withdraw money from your emergency savings buffer, it&apos;s helpful to open a second savings account into which you can deposit money for your actual savings goals.</span></span></span></span></li><li><span><span><strong><span><span>Do your deposit(s) at the beginning of each month</span></span></strong><span><span>. Thinking of your savings as the leftover amount at the end of the month is not exactly the best way to go. By depositing an amount into your savings account(s) immediately after receiving your paycheck, you can save more efficiently.</span></span></span></span></li><li><span><span><strong><span><span>Automate your transfers</span></span></strong><span><span>. When you&apos;ve been with the same employer for a while, you usually know the day your wages are paid. Based on that, you can easily set up to automatically transfer the desired amount to your savings account. That way you are less inclined to spend more or to forget about the deposit.</span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"Start saving today."},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/individuals/saving/compare-savings-accounts","text":"Explore all the different savings options at ING here and find out which savings account suits you best."}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"small","title":"How much pension will I get?","body":"Do the calculation.","image":{"transformBaseUrl":"https://assets.ing.com/transform/63c8e440-0901-4d2f-a3c5-a8071ccfd906/pension-amount-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/6bc153ae4ad5d0aa/original/pension-amount-1920.jpg","extension":"jpg"},"date":"2021-10-21","link":{"url":"/en/individuals/managing-my-assets/retirement/pension-amount"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"How to manage your expenses with Excel","body":"In the world of finance, efficient budget management is key to optimising your savings.","image":{"transformBaseUrl":"https://assets.ing.com/transform/45c66db9-4cb4-4bf6-9b8e-28698d1253ba/Cheerful-woman-in-a-yellow-shirt-juggling-with-limes","type":"image","width":4032,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/3ed6911c7a68cb09/original/Cheerful-woman-in-a-yellow-shirt-juggling-with-limes.jpg","extension":"jpg"},"date":"2023-09-14","link":{"url":"/en/individuals/saving/how-to-manage-expenses-excel-budget"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>Toute ouverture d&apos;un compte d&apos;épargne est soumise à l&apos;acceptation préalable d&apos;ING et à un accord mutuel. Les conditions et modalités sur les comptes d’épargne ING (conditions générales et spéciales, règlements, tarifs, fiches-produits, les informations clé pour l&apos;épargnant pour les Comptes d&apos;épargne réglementés et autres informations complémentaires) sont disponibles auprès des agences d&apos;ING, sur www.ing.be et par téléphone au +32 (0) 2 464 60 02.</p>"}}]}}}