Want to save more—but don’t want to give up your coffee or weekend plans?

Good news: You don’t need to make big sacrifices to build better savings. Sometimes, it’s the small, consistent habits that make the biggest impact.

Here are 7 practical ways you can start saving more today, without changing your lifestyle.

1. Pay yourself first

As soon as your salary comes in, transfer a fixed amount to your savings—before you spend. Even 1,000–2,000 lekë a month adds up over time.
Tip: Set up automatic transfers with your Fibank account.

2. Use a separate Savings Account

Keeping your savings in a different account (especially one with interest) makes it less tempting to touch.
Fibank offers savings options that reward consistency and help your money grow safely.

3. Track your small expenses

A daily coffee, snacks, or unnecessary subscriptions might be costing more than you think.
Use mobile banking to check spending and cut only what doesn’t bring real value.

4. Round up your payments

Spend 530 lekë? Round it to 600 and move the 70 lekë to savings.
This small "auto-savings" trick works quietly in the background and adds up fast.

5. Take advantage of discounts & cashback

Use your Fibank card when possible to access offers, discounts, and save without changing your routine.
Also, choose shops and platforms that reward you for loyalty.

6. Avoid impulse purchases (With a 24-Hour Rule)

Thinking of buying something non-essential? Wait a day.
If you still want it, go ahead. If not, move that money to savings instead.

7. Set a mini goal—Not a big one

Saving 1,000 lekë each week for 3 months feels doable.
Saving 100,000 lekë for the year? That feels impossible.
Break it down. Small goals are easier to stick to—and more motivating.

Let fibank help you save smarter

We offer:

• Savings accounts with interest
   
• Automatic transfers between your accounts
   
• Digital banking tools to track and manage your money effortlessly
  
   

You don’t need a big income to start saving. Just a better system.