A joke about saving money.

Under the influence of the epidemic, a global "unemployment tide" is surging!

Sanofi, a world-renowned pharmaceutical company, announced layoffs 1680 people;

Deloitte, the world's four largest accounting firms, announced that it would lay off 5,300 people;

BMW, a world-renowned international automobile giant, announced that it would lay off 6,000 people. ...

I used to think about holidays every day, but now I just want to go to work well, reduce my salary and lay off employees, which makes many people feel a sense of crisis.

Imagine this:

If you lose your job, how long can your savings last?

If you suddenly get sick, can your savings cope?

A netizen in Zhihu said: "

My friend's mother was admitted to ICU two months ago because of cerebral hemorrhage.

In ICU, ventilator, nutrient solution, nurse, etc. It's all used, and it cost tens of thousands at once.

The doctor said that as for how long you live, it depends on how much money you have prepared. "

Although money is not everything, some things cannot be solved by money.

In a sense, money is the ability to resist risks.

When you are short of money, your self-confidence is humble, and all your self-esteem is worthless. You must put up with what you once scoffed at.

And when you have money, you can let yourself and your family live an ideal life, and you don't have to be humble for money, let alone judge people's faces for money.

So how can we make ourselves rich?

If you don't have a monthly salary of 10 thousand to 20 thousand, and you don't have amazing ability to make money, start by saving money.

When it comes to saving money, some people think that putting money in a current account can't fight inflation; And put money regularly, the liquidity of funds is too low.

Do you have the same idea?

In fact, bank employees revealed that "saving money in this way" can make demand deposits enjoy regular interest rates.

It is divided into two steps:

① Wage financial management

Some banks have "salary wealth management" products, the initial purchase amount is 1 000 yuan, and the current yield is about 2. 17%, which belongs to deposit and withdrawal.

After the launch of "salary financing", a certain amount will be transferred to "salary financing" products every month after the completion of the project to enjoy the benefits.

② Current financial management

The initial purchase amount of the wealth management products in this period is 6,543,800 yuan, and the yield in this period is about 2.97%, which is a real-time redeemable product.

When the amount in the "salary wealth management" account reaches more than 6,543,800 yuan, the money in the salary wealth management account can be transferred to the bank for current wealth management, so that the "current deposit enjoys a fixed interest rate".

The income suddenly rose from 2. 17% to 2.97%.

At present, the benchmark interest rate announced by the central bank is as follows:

One year 1.5%

Biennium 2. 1%

3-year 2.75%

In other words, the interest rate of "wage financing" is even higher than the two-year fixed deposit rate of the central bank, and "demand financing" is higher than the three-year benchmark interest rate announced by the central bank.

Therefore, partners who usually feel that the liquidity of bank time deposit funds is too low can try the method of bank current financing and saving money.