{"id":14787,"date":"2025-06-18T17:48:23","date_gmt":"2025-06-18T14:48:23","guid":{"rendered":"https:\/\/csalb.ro\/?p=14787"},"modified":"2025-07-09T11:14:12","modified_gmt":"2025-07-09T08:14:12","slug":"how-much-should-you-save-to-be-financially-secure-expert-recommendations","status":"publish","type":"post","link":"https:\/\/csalb.ro\/en\/press-releases\/how-much-should-you-save-to-be-financially-secure-expert-recommendations\/","title":{"rendered":"How Much Should You Save to Be Financially Secure? Expert Recommendations"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<strong>June 18, Bucharest. <\/strong>Saving is one of the most important indicators of societal well-being and the financial health of every family. The money we set aside can provide us with comfort in times of crisis, security during retirement, and even the ability to generate passive income through investments. When investing, it is essential to carefully choose financial instruments and properly assess risks. What are the most effective saving methods? How much of the family income should be secured? These questions were addressed in a podcast organized by the <strong>Alternative Banking Dispute Resolution Center (CSALB).<\/strong><\/p>\n<p>The investment and personal finance experts featured in the podcast are<strong> <em>Adina C\u0103lin, Director at&nbsp;CEC Bank<\/em> <\/strong>and&nbsp;<strong><em>Mihnea B\u0103rbulescu, Executive Director at&nbsp;Erste Asset Management<\/em><\/strong>, in a conversation moderated by<strong>&nbsp;<em>Adrian C\u0103ruceru, a personal finance expert<\/em>.<\/strong><\/p>\n<p><strong>| PODCAST <\/strong><strong>CSALB | <\/strong><a href=\"https:\/\/youtu.be\/w1Zgg_wVqzc\"><strong>https:\/\/youtu.be\/w1Zgg_wVqzc<\/strong><\/a><\/p>\n<p><iframe title=\"Ce metode folosim ca s\u0103 punem bani deoparte? Care sunt primii pa\u0219i \u00een investi\u021bii? - Podcast CSALB\" width=\"1170\" height=\"658\" data-cookieconsent=\"preferences, statistics\" data-src=\"https:\/\/www.youtube.com\/embed\/w1Zgg_wVqzc?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><div class=\"cookieconsent-optout-preferences cookieconsent-optout-statistics\">Please accept <a href=\"javascript:Cookiebot.renew()\">preferences, statistics<\/a> cookies to watch this video.<\/div><\/p>\n<p>Al The fifth season of the CSALB Podcast focuses on themes inspired by the types of requests consumers submit to the Center for negotiation with banks: cards and payments, bank loans, fraud, foreclosures, court vs. alternative resolution, savings, and investments. This year\u2019s episodes bring together banking professionals, credit brokers, bailiffs, anti-fraud specialists, and more. The discussions are moderated by financial analysts, financial education lecturers, and respected journalists in the economic press. The goal is to provide consumers with the necessary tools to manage and protect their finances in an unpredictable macroeconomic environment<strong>.<\/strong>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/3&#8243;][vc_column_text]<img decoding=\"async\" class=\"aligncenter size-full wp-image-14775\" src=\"https:\/\/csalb.ro\/wp-content\/uploads\/2025\/06\/Adrian-Caruceru.png\" alt=\"\" width=\"516\" height=\"150\" srcset=\"https:\/\/csalb.ro\/wp-content\/uploads\/2025\/06\/Adrian-Caruceru.png 516w, https:\/\/csalb.ro\/wp-content\/uploads\/2025\/06\/Adrian-Caruceru-300x87.png 300w\" sizes=\"(max-width: 516px) 100vw, 516px\" \/>[\/vc_column_text][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<em>\u201eThe importance of saving lies in the habit of setting money aside \u2013 and this habit must be learned, as we are not born with it! In a consumerist society that constantly tempts you to spend, saving means both prudence and putting an end to waste. Saving methods can include postponing impulsive purchases, automatically transferring funds on payday, or creating foreign currency deposits that we\u2019re less likely to break. A central pillar of personal finance is the income and expense budget. Simply listing your expenses on paper might show that a quarter or more of them are unnecessary, and cutting them won\u2019t affect your quality of life \u2013 quite the opposite. Unfortunately, many people abandon budgeting after a few months and revert to habits that led to financial difficulty. But saving doesn\u2019t just come from cutting costs (which has its limits), it also comes from increasing income. So, how much should we save and when are we ready to invest part of what we\u2019ve saved?<\/em>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/3&#8243;][vc_column_text]<img decoding=\"async\" class=\"aligncenter size-full wp-image-14777\" src=\"https:\/\/csalb.ro\/wp-content\/uploads\/2025\/06\/Adina-Calin.png\" alt=\"\" width=\"529\" height=\"141\" srcset=\"https:\/\/csalb.ro\/wp-content\/uploads\/2025\/06\/Adina-Calin.png 529w, https:\/\/csalb.ro\/wp-content\/uploads\/2025\/06\/Adina-Calin-300x80.png 300w\" sizes=\"(max-width: 529px) 100vw, 529px\" \/>[\/vc_column_text][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<em>\u201e<\/em><em>Someone who uses a personal budget can save 5\u201310% of their monthly income just through planning. Saving is, above all, a good habit that can change your life and provide peace of mind when you\u2019re less prepared. A simple rule for income allocation would be: 20% for savings, investments, insurance, and pension; 30% for wants (travel, entertainment); and 50% for needs (food, rent, transport). That 20% for saving should be set aside at the beginning of the month, immediately after receiving your salary. If you wait until the end of the month, you\u2019ll likely find something to spend it on. That percentage is a recommendation \u2013 you can start with just 1% or 2%, the key is to establish the habit. If we consider that Romanians spend 8\u20139% of their income on vices like alcohol and cigarettes, and only 2% on education, it becomes clear that savings goals are achievable. One helpful method is delaying purchases. For example, if you really like something, wait a few days before buying it. After 2\u20133 days, you might realize it\u2019s no longer that important or appealing. As a result, you might give it up or reduce the purchase \u2013 instead of buying three T-shirts, you buy just one that <\/em> <em>you really like.\u201d<\/em>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/3&#8243;][vc_column_text]<img decoding=\"async\" class=\"aligncenter size-full wp-image-14779\" src=\"https:\/\/csalb.ro\/wp-content\/uploads\/2025\/06\/Mihnea-Barbulescu.png\" alt=\"\" width=\"535\" height=\"141\" srcset=\"https:\/\/csalb.ro\/wp-content\/uploads\/2025\/06\/Mihnea-Barbulescu.png 535w, https:\/\/csalb.ro\/wp-content\/uploads\/2025\/06\/Mihnea-Barbulescu-300x79.png 300w\" sizes=\"(max-width: 535px) 100vw, 535px\" \/>[\/vc_column_text][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<em>\u201e<\/em><em>Today, knowing how to save is just as important as knowing how to use a smartphone. That\u2019s why economic awareness is a necessity, not a choice. The investments you make with your savings should not be seen as a way to get rich quickly, but as a way to preserve the value of your money \u2013 its purchasing power. Technology helps, as many financial institutions offer automated savings and investment tools. There are three main pillars of saving: set aside 20% of your monthly income, build an emergency fund worth 6\u201312 months of your expenses (depending on your job stability), and for retirement, save 25 times your annual expenses. You should only consider investing after achieving a stable income and a healthy savings buffer. Many Romanians with financial success still prefer conservative options like bank deposits and government bonds. However, you must ensure these outpace inflation. For example, in 2022, inflation reached 14%, while the return on deposits and bonds was around 7% \u2013 a negative gap of 5\u20136 percentage points. Those investing in real estate must also consider the high liquidity cost. If you urgently need cash, real estate isn\u2019t easy to liquidate. Globally, there are over 300,000 investment options \u2013 stocks, funds, ETFs, government securities, financial instruments \u2013 and by 2040 this could rise to 1 million. That\u2019s why financial education is essential, so you know what to choose and whom to trust with your wealth, however big or small.\u201d<\/em>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/4&#8243;][vc_column_text]<img decoding=\"async\" class=\"aligncenter size-full wp-image-12970\" src=\"https:\/\/csalb.ro\/wp-content\/uploads\/2023\/02\/DSC_0158.jpg\" alt=\"\" width=\"200\" height=\"300\">[\/vc_column_text][\/vc_column][vc_column width=&#8221;3\/4&#8243;][vc_column_text]<strong><em>Alexandru P\u0103unescu, representative of the National Bank of Romania on the CSALB Coordination Board, adds:<\/em><\/strong><\/p>\n<p><em>\u201cThe macroeconomic challenges consumers and society face in the near future make financial education an indispensable and ultimately profitable tool for overcoming difficult times. Personal budgeting becomes a must in a financial context marked by variable interest rates, fiscal changes, and other factors that can impact loan repayment capacity. At the end of March 2025, the rate of non-performing loans reached 2.53%, a slight increase from December 2024 (2.48%). In this context, saving becomes essential to maintaining financial stability amid economic disruptions. People can adopt strategies such as reducing expenses, increasing income, and making smart, safe investments to grow or at least preserve their savings \u2013 for example, in bank deposits within legal limits. <\/em><\/p>\n<p><em>Long-term saving can also act as training for taking out a future loan or even serve as the down payment for purchasing property. The ability to save, when consistently practiced, can make the difference between a worry-free life and one filled with financial hardship. We encourage all consumers to save \u2013 no matter how little, but consistently \u2013 to ensure at least a minimum level of financial protection during life\u2019s tough periods, regardless of their nature.\u201d<\/em>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>***<\/strong><\/p>\n<p><strong>About CSALB: <\/strong><strong>CSALB is an entity established following a European directive, offering&nbsp;free&nbsp;and&nbsp;quick&nbsp;mediation\u2014under three months\u2014between consumers and banks or non-bank financial institutions for ongoing contracts. Consumers from any Romanian county can submit requests to the Alternative Banking Dispute Resolution Center (CSALB) by filling out an online form on&nbsp;<\/strong><a href=\"http:\/\/www.csalb.ro\/\"><strong>www.csalb.ro<\/strong><\/a><strong>. If the bank agrees to enter negotiation, a conciliator is appointed. CSALB works with 16 of the top legal and financial experts in Romania. All cases are settled amicably, and the resulting agreement holds the legal power of a court decision.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><a class=\"za-btn custom-font-7 animate_icon\" href=\"https:\/\/csalb.ro\/wp-content\/uploads\/2025\/06\/ENGL_Economisire_Comunicat-CSALB_18.06.2025.pdf\" target=\"_self\" style=\" font-size:11px;  letter-spacing:2px;  padding-top:10px; padding-bottom:10px;  padding-right:20px;  padding-left:20px;  border:2px solid #ee7f01;  border-radius: 0px; -webkit-border-radius: 0px; -moz-border-radius: 0px; -o-border-radius: 0px;  color: #ee7f01;  background-color: #ffffff; \" onmouseover=\" this.style.color='#f5ca89'; this.style.backgroundColor='#333333'; this.style.borderColor='#333333';\" onmouseout=\" this.style.borderColor='#ee7f01'; this.style.color='#ee7f01'; this.style.backgroundColor='#ffffff';\"><span class=\"button-text\"><span class=\"icon\"><i class=\"fa fa-download\"><\/i><\/span>Download<\/span><\/a>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Saving is one of the most important indicators of societal well-being and the financial health of every family. The money we set aside can provide us with comfort in times of crisis, security during retirement, and even the ability to generate passive income through investments. When investing, it is essential to carefully choose financial instruments and properly assess risks. What are the most effective saving methods? How much of the family income should be secured? These questions were addressed in a podcast organized by the Alternative Banking Dispute Resolution Center (CSALB).<\/p>\n","protected":false},"author":1,"featured_media":14783,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[97],"tags":[],"class_list":["post-14787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-releases"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Should You Save to Be Financially Secure? 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