{"type":"document","data":{"contentType":"onecms:campaignPage","flexPageMetadata":{"afmBanner":false,"description":"Saving often doesn’t work because it only happens after all expenses are paid. Turn it around: pay yourself first. Set aside an amount automatically every month, right after your salary comes in.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"cta","textLink":{"text":"Start Automatic Savings","url":"https://mijn.ing.nl/banking/mobile/move-money?c=cae10&EW=true"}},{"componentType":"sectionTitle","title":"Why “Pay yourself first” helps"},{"componentType":"paragraph","richBody":{"value":"<p>Many people want to save, but find it doesn’t happen at the end of the month. Relatable? <a href=\"https://nieuws.ing.nl/nl-NL/257459-ing-introduceert-meetmethode-voor-financiele-gezondheid/\">Research </a>shows that saving works better when it happens automatically, before you spend your money. This way, you gradually build a buffer and create more financial peace of mind.</p><ul><li>You save without extra effort</li><li>It’s easier to keep it up</li><li>You stay in control and keep an overview</li><li>You automatically adjust your spending to what’s left</li></ul>"}},{"componentType":"sectionTitle","title":"What can you do?"},{"componentType":"paragraph","richBody":{"value":"<p><strong>1. Choose a (small) amount</strong></p><p>Start with an amount that works for you, even if it’s €5 or €10 per month.</p><p><strong>2. </strong><a data-type=\"internal\" href=\"/en/personal/savings/automatic-savings\"><strong>Turn on Automatic Saving</strong></a></p><p>Set it so the amount is transferred automatically from your current account to your savings account each month, right after your salary comes in.</p><p><strong>3. Leave it there (unless you really need it)</strong><br />Let your savings grow. Try to use it only for emergencies, or once you’ve reached your goal.</p><p>You’re always in control. You can adjust the amount of the automatic transfer or stop it whenever you want.</p>"},"title":"3 Simple steps to start saving"},{"componentType":"sectionTitle","title":"What does this do for your financial peace of mind?"},{"componentType":"paragraph","richBody":{"value":"<ul><li>More control over your expenses</li><li>A buffer for unexpected costs</li><li>Less money-related stress and more clarity</li></ul><p>These are exactly the building blocks of a healthy financial situation.</p>"},"title":"By paying yourself first, you work towards:"},{"componentType":"sectionTitle","title":"Is this right for me?"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Want to save, but often find it doesn’t happen</li><li>Want more peace of mind around your finances</li><li>Sometimes spend money faster than planned</li><li>Want to take a first step toward building a savings buffer</li></ul><p>You don’t have to be a savings expert. Getting started is enough.</p>"},"title":"‘Pay yourself first’ can help you if you:"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"<p>&quot;Pay yourself first” means putting money aside for yourself as soon as your income comes in. You use what’s left for your expenses. This way, you give yourself priority. And you don’t have to think about saving again every month</p>"},"title":"What does “Pay yourself first” mean?"},{"richBody":{"value":"<p>Because financial health is a shared responsibility.</p><ul><li>Many households have little or no savings buffer, even though it’s essential for unexpected costs.</li><li>That’s why <a href=\"https://betaaljezelfeerst.nl\">banks, the government (such as Wijzer in Geldzaken), and other organizations are joining forces.</a></li></ul><p>Together, we can:</p><ul><li>Reach more people</li><li>Make saving easier</li><li>Encourage one clear behavioural change: from saving afterwards to saving first</li></ul>"},"title":"II saw the campaign from the government and/or another bank or company as well. Why are you doing this together with other parties?"},{"richBody":{"value":"<p> </p><p>A savings buffer gives you peace of mind and control over your money. With <a data-type=\"internal\" href=\"/en/personal/savings/automatic-savings\">automatic saving</a>, it becomes easier to build that buffer, because you set money aside without having to think about it every month.<br />This way, you gradually work towards more security and healthier money habits, and you have a financial buffer when something unexpected happens. <strong>Start paying yourself first today.</strong></p>"},"title":"Why does ING recommend this?"},{"richBody":{"value":"<p>Because that’s when saving works best. By doing it right after your income comes in, you avoid spending the money first.</p>"},"title":"Why do I see this campaign around the time I receive my salary?"},{"richBody":{"value":"<p>No. You can also start with a small amount. By saving automatically, you set aside a little bit of money each time, helping your savings buffer grow. This way, you gradually build a buffer for unexpected expenses without really noticing.</p>"},"title":"Do I need a lot of money to get started?"},{"richBody":{"value":"<p>Your savings remain yours. You can access it at any time and decide what to do with it.<br />If you want to help yourself avoid impulsively dipping into it, you can <a data-type=\"internal\" href=\"/en/personal/savings/savings-lock\">temporarily lock</a> your <a data-type=\"internal\" href=\"/en/personal/savings/savings-goals\">Savings Goal.</a> This increases your chances of reaching your goal.</p>"},"title":"What if I need the money later?"},{"richBody":{"value":"<p>Yes. You choose the amount and can adjust or stop the automatic transfer at any time. Pick an amount that works for you, it’s more likely you’ll stick with it.</p>"},"title":"Can I adjust or stop this?"}],"componentType":"accordion"},{"componentType":"cta","textLink":{"text":"Start Automatic Saving","url":"https://mijn.ing.nl/banking/mobile/move-money?c=cae10&EW=true"}},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/f40c4c82-4897-4d25-b471-fffbb841ec10/Retail-Illustration-product-card-Orange-Savings-account.svg","transformBaseUrl":"https://assets.ing.com/transform/f40c4c82-4897-4d25-b471-fffbb841ec10/Retail-Illustration-product-card-Orange-Savings-account","type":"image","width":64},"intro":"Open one easily here","link":{"url":"/en/personal/savings/savings-account"},"title":"Don’t have a savings account yet?"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/asset/42c68416-1aa4-4749-b1f3-c865969f6005/savingspiggybank4.svg","transformBaseUrl":"https://assets.ing.com/transform/42c68416-1aa4-4749-b1f3-c865969f6005/savingspiggybank4","type":"image","width":160},"intro":"Create one right away","link":{"url":"/en/personal/savings/savings-goals"},"title":"Don’t have a Savings Goal yet?"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/3a57ca5d8b78aa6e/original/lu-wallet-outline.png","transformBaseUrl":"https://assets.ing.com/transform/f54fb6ea-fbf9-465e-9cb1-778e6d25729c/lu-wallet-outline","type":"image","width":96},"intro":"Your income minus your recurring expenses. This is what you have available to spend.","link":{"url":"/banking/content/personal/digital-banking/maandelijks-budget?EW=true"},"title":"Monthly Budget"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/69d13006-fe1c-4832-86a5-cd3353d59b4c/Campagnepagina-banner-Betaal-jezelf-eerst.jpg","transformBaseUrl":"https://assets.ing.com/transform/69d13006-fe1c-4832-86a5-cd3353d59b4c/Campagnepagina-banner-Betaal-jezelf-eerst","type":"image","width":2400},"intro":"Read more about this national campaign here (in Dutch)","link":{"url":"https://betaaljezelfeerst.nl/"},"title":"The “Pay yourself first” campaign"}],"componentType":"cards"}]},"hasMacro":false,"id":"80ec8d1d-b65f-4256-a140-65a0283902c9","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Your financial health","url":"/en/personal/financial-health"}},"componentType":"campaignHeader","coreHeader":{"body":"Saving often doesn’t work, because it only happens after all your spending is done. Turn it around: pay yourself first. Set aside an amount automatically each month, right after your salary comes in. Use what’s left for your regular bills and everyday spending. This makes saving easier and helps you stay in control of your money, without having to think about it all the time.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/69d13006-fe1c-4832-86a5-cd3353d59b4c/Campagnepagina-banner-Betaal-jezelf-eerst.jpg","transformBaseUrl":"https://assets.ing.com/transform/69d13006-fe1c-4832-86a5-cd3353d59b4c/Campagnepagina-banner-Betaal-jezelf-eerst","type":"image","width":2400},"subtitle":"Just got paid? Pay yourself first."}},"publishDate":"2026-06-10T17:56:16.963+02:00"}}