Do you know the best tip for saving money?

It is the most effective and, at the same time, the simplest savings trick. Very few people know about this strategy, but once you discover it, you can’t stop using it. We are talking about pre-saving by transfer.


With low salaries, precarious lives and a thousand expenses, how do you manage to save? We explain a method that will help you achieve financial independence. Of course, you will have to be mentally prepared, emotionally trained, and this is perhaps the most difficult part of managing your own finances. Because the advice we will give you needs perseverance and persistence, two virtues that Spanish citizens do not always demonstrate, judging by the data.

In Spain, more than half of the population does not manage to save more than 50 euros a month, and those who do save do not usually increase their balance by more than 200 euros. The issue, experts warn, is not that we don’t have money to save, but that we don’t know how to do it. That is why dozens of methods are invented that claim to be the ones that will really fix our situation: cutting expenses, using apps… But none of these methods is as effective as pre-saving.


Save before you spend

The formula is straightforward, because it has only two steps. The first step is to open a second account, a savings account. The second step is to ask your financial institution to make an automatic transfer to the savings account at the beginning of the month, once you receive your salary. You can start with 5% of your income.

The trick is so effective precisely because it is so simple, because you don’t even think about it. This way you don’t have to rack your brains thinking that you are not meeting the detailed spending budget you have set for that month: the money simply disappears before you can spend it. Moreover, as this money will automatically go to another account, you will be too lazy to move it again. Before you know it, in two months you will start to see the balance in your savings account steadily increase.


11Onze is becoming a phenomenon as the first Fintech community in Catalonia. Now, it releases the first version of El Canut, the super app of 11Onze, for Android and Apple. El Canut, the first universal account can be opened in Catalan territory.

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  1. Joaquin Lopez ArandaJoaquin Lopez Aranda says:

    Bon consells, grácies.

  2. Carles MarsalCarles Marsal says:

    Gran Consell, 👌

  3. alicia Coiduras Charlesalicia Coiduras Charles says:

    Si es una bona manera de’estalviar però cal mentalitzar-se que el compte d’estalvi,no es toca ,sinó tot aquezt esforç no serveix de res

  4. Josep RuaixJosep Ruaix says:
  5. Pere Maria EstremPere Maria Estrem says:
    Pere Maria

    Bona tècnica.

    • Eve DoñaEve Doña says:

      La gent aguditza el seu enginy per estalviar arran de la incertesa dels temps que corren, i tots que amb els diners no s’hi juga. Ens alegra que t’agradi Pere 💛

      2 months ago
  6. Ricard Calvo VilanovaRicard Calvo Vilanova says:

    Molt be explicat

  7. Francesc Estafanell PujolFrancesc Estafanell Pujol says:

    Jo, ho faig així. Si bé no he aconseguit estalviar gaire si que he pogut resoldre alguns imprevistos sense cap sotrac

    • Eve DoñaEve Doña says:

      Més o menys estalvis, això indica que has assolit l’estalvi amb èxit Francesc! Si com bé dius, t’han ajudat a afrontar imprevistos ja et pots sentir satisfet i orgullós del teu esforç 💪🏻 Enhorabona!

      2 months ago
  8. Joan Santacruz CarlúsJoan Santacruz Carlús says:
  9. LelsLels says:

    Gràcies, Mercè!

  10. Mercè ComasMercè Comas says:

    Transferència programada. La manera, que ni vegis els diners, i potser l única…..per estalviar. Gran consell!

    • Jordi CollJordi Coll says:

      Tot allò que serveixi per estalviar serà benvingut… Moltes gràcies pel teu comentari, Mercè!!!

      2 months ago

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