What is the most effective way to save money?

In addition to the funds of 100 yuan per week, I automatically transfer the funds of 10 yuan from Alipay's small wallet to it every day. Although it is not much, I have been insisting on it, and I will save the money I haven't spent at the end of the month. Generally, when you deposit enough integers of 5 1.2 million, you will take them out and deposit them in the bank for a fixed period of one year, and then automatically transfer them.

I usually live there. If I have enough current deposit of 10000, I will deposit it in a fixed deposit of 1 1000. Banks can automatically transfer deposits for 9 times, that is, 9 years. Don't worry about the expiration date, for fear of expiration. You don't know!

When I just graduated, I learned a savings method called 12 savings method. Of course, there are also 36 saving methods and 60 saving methods. 10 years ago, the interest rate was high, and it could be 5.5% in five years, so the 60-deposit method was chosen.

What do you mean? I will save a sum every month when I get paid. I will save it first and then spend it. 200 yuan's cash was left in the wallet, plus two credit cards (one with 3,000 lines and one with 2,000 lines). I want to get a bigger credit card, but the salary is not high and the bank is not at ease. Last month's credit card was paid off, and the remaining money was directly deposited for 5 years. If you want to ask me what to do if I need money urgently, I have a commission besides my salary, but the commission is very unstable. If the private boss doesn't pay it on time, I can advance it. One more thing, I'm a local, so I can go home and misappropriate it in case something happens. However, I don't need money urgently. I will save my monthly salary for five years. Five years later, I will be able to pay a sum of money every month like a salary. 5* 12=60, which is a bit long, but I can force savings. The commission can't be paid several times a year, but the amount is large, so I will save it for three years. The first commission is 15000 yuan. I have stayed in the card until now, and I will transfer it when it expires. The year-end bonus is given to my mother, and she doesn't care about my money, but she always gives it to make her feel that I can support myself.

60 savings law, let me have a savings plan, but it's too late, Yu' ebao, at 7 o'clock, throw it in if you have money. I am persistent in saving money, and I can control myself not to spend the money I have saved. In addition to buying a house, deposits are basically unchanged. Credit cards have also gone up, and big consumers pay back their wages by swiping their cards. I have no money to save. I don't remember having the money except buying a house.

Later, I also bought a fund and made a fixed investment. There is no fluctuation when it goes up and down. I spent it anyway.

Maybe I was too short of money in my last life, or I loved saving money too much. Isn't saving money something my mother's generation loves to do? Although I am middle-aged, I don't like saving money in theory. I've always been a wonder among friends. It is only in the past two years that everyone has raised children and started saving money that I feel normal.

Most young people nowadays are moonlight clan. According to the data provided by the British Monetary Advisory Service, 40% of the working-age population has less than 100 a month. Therefore, they have to use credit cards or borrow money from friends and family to meet the necessary living expenses or meet the needs of emergencies. Although this is inevitable, we can still use some simple methods to store it as much as possible without affecting our normal life needs.

In the long run, a capital buffer can help you save more money. According to the research of Step Change Debt Charity, if some families have 1 1,000 pounds of emergency reserve funds, 50% of them will be free from the risk of falling into debt crisis, which can also help all families cope with financial shocks.

Here are some ways to help you accumulate reserve funds without feeling hard up:

First, make a practical plan.

Setting a monthly savings target will be of great benefit.

The money advice service requires some people who have no savings plan to deposit 100 a month. The survey shows that feasible plans have played a great role in cultivating their savings habits.

Nick Hill, a spokesman for the agency, said: For many people, fostering a fund savings plan is very fulfilling. Regular savings plan is the key to accumulating wealth, which can help you cope with sudden risks in your life.

Second, be good at applying science and technology.

Nowadays, we are so dependent on technology-from calculating walking distance to shopping online. Chip claims to be the first automatic money-saving APP in the UK. This application can automatically analyze your expenses and calculate what you can buy on the basis of savings, so it can help you save 5 to 25 pounds every few days and store it in Barclays Bank. Savings can also be withdrawn immediately, without worrying about having no cash at all.

In addition, Plum is a "small savings manager" who works in a similar way. It can monitor your expenses and automatically calculate the money you can save every week. You can also use Facebook to communicate with it and learn about the latest progress of your funds.

Third, transfer cash on payday.

People often say that on the first Saturday of payday, you are a "millionaire". In other words, we often spend money at the beginning of payday. If you are going to save money, you should start saving money on payday. Even if a small sum of money is accumulated, it is still very large. If you save 50 pounds a month, your deposit will rise to 600 pounds a year later, which is really a good start for a rainy day fund.

Fourth, find new sources of income.

If saving money is really too difficult for your current budget, then find a new income and put the money you earn in another account. However, this doesn't mean that you have to start a part-time job at night in addition to your busy work. There are several ways to earn some extra money, but you don't have to work 16 hours a day. For example, if you rent a spare furnished bedroom, you can earn 7,500 pounds a year without paying taxes. Renting a house is not the only option. In today's hedonic economy, you can also rent attic space, parking spaces and even garden space. Even if it is a small profit, you can quickly get the first income of 1 0,000.

5. Reduce your debt cost.

If you are heavily in debt, it seems impossible or even ridiculous to save money every month.

When debt interferes with your emergency fund reserve plan, it may be more worthwhile for you to restructure your debt to make it more affordable or even pay it off.

TSB's latest research shows that more than 500,000 British people pay higher-than-normal interest because they don't want to change their better borrowing methods. As a result, they may have to pay more 1 134 a month.

Nick smith, head of TSB's lending department, said: "Our research shows that even if people have borrowed money, they should not stop looking for more favorable repayment methods for themselves. We suggest that people spend half an hour more when checking their debts to avoid paying more interest. In this way, they can also repay all debts faster. "

Constantly examining your debt to see if you can pay less interest will also help you to make ends meet as soon as possible and get out of the debt quagmire.

Sixth, let the money flow.

Maybe everyone has some spare money, which you didn't expect at ordinary times According to a survey conducted by the website comparethemarket, nearly one-third of people in Britain have more than two accounts, and nearly half have only one account.

The average amount of cash collected in Britain can reach 65,438+0,465,438+0, but it can't bring any income, and it will even be swallowed up by the inflation rate.

Jody Coughlan, director of the website comparethemarket, said: "Let's see how many people have spare cash that can exceed 100. It's a good idea to set up an emergency fund to prevent emergencies, but in fact, if you don't check your emergency account regularly, your money will suffer some losses. "

Therefore, it is very important to check your personal account regularly and know your financial situation. The key is to prevent some losses. Unused or infrequently used accounts are the easiest targets for hackers, so it is absolutely beneficial for you to check your accounts frequently.

Our family members are two post-80s, plus a kindergarten baby. Now the income is generally arranged like this:

My salary is used to cover our daily expenses. The salary of this family member is about 65,438+0,000 yuan as change, and the rest is saved.

We also divide the money saved into two parts:

Part of it is used to buy large or valuable items (such as air conditioners, refrigerators and other household appliances) and other relatively large expenditures (such as medical care and tourism); The other part is dedicated to children's learning and education, such as tuition, or the cost of attending extracurricular interest classes in the future (for example, I have always planned to take my baby to swimming classes).

These two parts of money are stored in two bank cards in different accounts, and they do not cross each other. The purpose is to try not to use the money saved for the baby without ammunition and food. Whenever I deposit 1W separately, I will switch them to structured deposits, and the income will not be very high (just a little higher than ordinary time deposits), but the advantage is that the risk is low (basically approaching zero infinitely).

That's about it.

This depends on everyone's risk tolerance and the amount of deposits.

For most wage earners, under the premise of ensuring a normal life, they can take out a certain amount of deposits or buy government bonds according to their own savings (the income is fixed), and then use the remaining half to participate in short-term financial management in the bank (one month, three months, six months) in case of emergency, and they can still have certain income. The rest can buy some funds or stocks according to their hobbies (with good returns and dividends every year) as long-term investments.

Of course, for those with abundant funds and the ability to make money, it is another matter.

In short, don't be tempted by high interest rates. In case of greed, you will lose everything.

Bank deposit is the best policy.

Time deposits in banks are three years and five years.

Go to a big bank to buy wealth management, IO 65438+ 10,000, and the interest is more than 4,000.

Banks regularly keep 350,000 yuan in their hands to buy funds. It doesn't matter whether they are profitable or not. They just pass the time as entertainment.