Manual Savings vs. Automatic Savings: Which Do You Prefer?

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Of course, everyone will have different preferences and needs. Although automatic savings are more efficient, they're easier to forget, and are allocated immediately upon receipt of your paycheck, preventing unnecessary spending. However, many people prefer manual savings, especially those who enjoy interacting with others.

Both manual and automatic savings methods can be applied to anyone, whether they receive a fixed salary or work as a freelancer. By reducing all input/income by about 20%, they can be allocated to a savings account.