How to save money is better?

People who can save money may accumulate a lot of money for a long time, even if their income is small. People who can't save money earn more and save less, but the

People who can save money may accumulate a lot of money for a long time, even if their income is small. People who can't save money earn more and save less, but the quality of life is still very different! I think saving money is reasonable. Don't save money for the sake of saving money. You shouldn't spend less. Saving money is very important. Life is hard when you have goods on hand!

Let me share two cases:

1,

A friend of the author is an engineering student and works as a freelancer in a construction unit. After graduation, the salary started from more than 2,000, and now it is only over 4,000. However, when I worked for more than four years, I bought a house in a third-tier city, and the down payment was more than 1 10000. He told me that the down payment was all his own money. I was still a little surprised. The average salary is more than 3 thousand a month, only 2.5 thousand a month He said how to save so much money without spending money. He doesn't have a part-time job either, and all his money is saved by his salary. Although he eats and drinks at work, he spends several hundred yuan more a month to 1000 yuan. During this period, he also talked about how his girlfriend did it.

He doesn't smoke or drink, and his girlfriend is a thrifty person like him. He seldom watches entertainment programs such as traveling, singing and movies, and feels that life lacks a lot of fun. But people love reading, and reading seems to be his only pleasure. By his own efforts, he saved money, bought a house and paid off the mortgage. It seems that life lacks a lot of fun, but he is very satisfied and proud.

2,

Another friend of the author found a famous enterprise after graduation. At first, his salary was more than 5000 yuan, and later it rose rapidly. But he bought a house at that time, and the down payment was made at home. He worked for several years and didn't save any money. He is crazy about electronic products. He often spends a lot of money on that new product and has changed several watches. Smoking good cigarettes, drinking good wine, often going out to parties with friends, traveling on holidays, spending a lot of money. It's normal not to save much money, but what he means is that I eat well, play well and enjoy it! The quality of life is quite high!

Of course, now that he is married, he knows how to save money!

These are two completely different lifestyles and ways to save money. In my opinion, the quality of life should be pursued and the money should be saved. We should learn to spend money reasonably, not lavishly. The money in this province must be saved. Life is very stressful now, so we should do ourselves a favor and save more money. But the most important thing is that we should make money. Only by earning more can it be easier to save money! Everyone said yes!

Save the money saved, learn how to manage money, and maximize your income on the premise of exceeding inflation. This should be chosen according to the amount of principal and your own risk preference. Be sure to choose the financial management method that suits you under the premise that the risk can be controlled (formal platform). For example, bank wealth management products, national debt, funds and so on!

In fact, how to save money and the ways to save money vary from person to person. Here are some of my personal practices.

Before having children, I was engaged in the education and training industry. To be honest, the salary in this industry is not very high. I was working in Suzhou at that time. When it comes to Suzhou, people may think that there are Suzhou and Hangzhou in heaven, which is really beautiful, but the reality is that the cost of living is high. For me with a low monthly salary, if I want to save money, I have to make a clear plan in advance. First of all, I will probably calculate my basic monthly expenses for eating and drinking, as well as the expenses spent on clothes, cosmetics and skin care products. If I feel that these two kinds of expenses have accounted for more than half of my salary, I will consider increasing my income sources and reducing my expenses. For example, when I have a rest day, I will buy food and cook by myself, which is healthy and hygienic, and sometimes I will make it myself and take it to the company to eat. This will save some expenses invisibly, so it will be done in advance. You can try to record your daily expenses with a small notebook and know where your money is spent. Seeing the expenses recorded every day, you will have a feeling of saving money for yourself.

1. At present, the lump-sum deposit and withdrawal interest rate of most banks is below 2.25%. Some people say that putting money in the bank is equivalent to devaluation. In fact, there are many tips for saving money in the bank. If you can fully understand the way of saving money, you can charge more interest income, for example, it is not impossible to change the interest rate from 2.25% to 5.5%. Introduce three small ways to save money, hoping to bring you some help.

1, long-term lump-sum deposit and withdrawal

If you have more spare money, but it is not urgently needed, I suggest that you can choose long-term lump-sum deposit and withdrawal, preferably three to five years, so that the interest income will be more than the current one, and the risk is very low. Many old people will choose this deposit method. For example, I have a neighbor's grandfather, who chose a five-year time deposit, and the interest rate can reach about 5.5%, without much thought and energy. This deposit method is perfect for him.

2. Notice deposit

"Notice deposit" is easy to be ignored because it is not very popular. Let's talk about what a "notice deposit" is. In fact, it refers to time deposit. It has no strict withdrawal time limit and can withdraw money according to its own needs. However, it is necessary to notify the bank in advance before withdrawing money, usually 1 day or 7 days in advance.

This deposit method is introduced because it combines the advantages of time deposit and current deposit, and the interest rate is generally higher than current deposit and lower than fixed deposit. It is worth noting that "notice deposit" is also beneficial for banks to arrange funds, ensure proper solvency, improve the utilization rate of funds, and make depositors' short-term idle funds gain greater benefits. This deposit method is very suitable for working-class people with short-term stable demand.

3. Trapezoidal savings method

Although it sounds complicated, it is actually a kind of wealth management portfolio, which puts wealth management funds on wealth management products with different maturities. For example, you can divide 654.38+ 10,000 yuan into three funds: 20,000 yuan, 30,000 yuan and 50,000 yuan, and then do regular financial management for 654.38+0 years, 2 years and 3 years respectively. After 1 year, when the 1 year wealth management product expires, you can get back the principal and interest, and then you can change all or part of the money into three years. Similarly, after two years, when the two-year product expires, the deposit will be recovered and then converted into a three-year deposit. At this point, you have three three-year fixed-term financial management, but the deposit order of these three accounts is different, so you will have a financial management product every year.

However, some people may ask: Why bother? Why not deposit all 654.38+ten thousand yuan in 1 or 3 years?

As we all know, the interest rate of short-term deposits is much lower than that of long-term deposits. If all the funds are deposited in 1 year, the interest rate will definitely not be high. If all the funds are deposited for three years, the performance of withdrawing money and transferring money is relatively poor, which makes it inconvenient to deal with the urgent need for money. Therefore, "trapezoidal storage method" abandons the shortcomings of both, which not only has higher income, but also avoids the risk of urgent need of money. I suggest that those with more fixed funds can try this deposit method.

Excuse me, how to save money is better? In China People's Bank 20 19, deposit interest is relatively low.

(1), current deposit: interest rate is 0.35%, deposit 10000 yuan, with interest in 35 yuan, and deposit for one year.

(2) Time deposit: the interest rate for a three-month deposit is 1. 10%, and the interest rate for a three-month deposit of ten thousand yuan is 27.50 yuan.

(3) Half-year deposit interest rate 1.30%, 1 ten thousand yuan half-year deposit interest 65 yuan.

One-year deposit rate 1.5%, one-year deposit rate of 10,000 yuan 150 yuan.

Two-year deposit rate is 2. 1%, 1 ten thousand yuan two-year deposit rate is 420 yuan.

The three-year deposit rate is 2.75%, and the three-year deposit rate is 10,000 yuan 825 yuan.

My personal view is that according to the current domestic living standards and rising prices, the deposit interest rate and interest rate of banks are indeed too low.

If you have money in the bank, I personally suggest that you invest your money in stocks and find a company with excellent performance and good fundamentals. When the stock falls by more than 40% from the high level, I believe that after you buy it from the bottom of the stock, no matter whether the market goes up or down, letting it go for a year will be much more than the interest paid in the bank.

Saving money is the foundation of financial management. Only when you have money can you manage your money. It is directly related to compound interest for Qian Shengqian to save money, so that the capital will appreciate faster.

Because if you just save money, you can save as much as you want. For example, if you save 1 0,000 yuan every month and put it in the piggy bank, it will be10.2 million a year. Even if inflation is included, it may not be worth10.2 million, which has been depreciated.

Therefore, if you think differently, the income will be different. Save money and compound interest. Here, I strongly recommend that you invest in index funds. I think this method is the best way for ordinary investors to save money.

Before you save money, that is, before you make a fixed investment, you should choose the target of the fixed investment. The index of Shanghai and Shenzhen 300 or Shanghai 50 is recommended here, because they are stable enough to represent the best stocks of Big A. ..

Then, it is best to set up a fund with a long-term name, such as the Children's University Fund. On the one hand, your motivation for children's education will multiply, and on the other hand, it will be used by universities in the future, forcing you to make a long-term fixed investment.

Finally, the amount of fixed investment, which depends on your actual situation, generally takes out about 20% of your salary for fixed investment. I believe that long-term persistence will witness the magic of compound interest.

Gold is bought in troubled times, antiques are hidden in prosperous times, and stocks are bought in bull markets. Bitcoin is unprecedented. It is not good to buy anything these days, and it is even more ridiculous to deposit money in the bank. Anyway, money needs to be moved to make money, so we still need to do some investment projects, but we can't blindly follow suit. Investment is risky. If you just want to deposit it, you can deposit it in Alipay and buy some wealth management products, which is still profitable.

Saving money is very important to everyone. So how to save money? Here are some suggestions:

I. 33 orders

33 certificates of deposit are not 33 certificates of deposit, but three certificates of deposit, each of which is three months and two "3s".

If it is deposited in 500 yuan every month for a period of three months, in April, May and June, in addition to the 500 yuan deposited in the previous quarter, three new 500 yuan will be added, and so on. If you put this money on products such as Yu 'ebao, it will be easy to spend; If you put it in a bank, the interest rate is too low and you need to go to the bank regularly.

Second, monthly deposit.

1, bank deposit

Deposit a fixed amount in the bank at a fixed time every month. If you just bid farewell to the moonlight, you can set it to 10% of your monthly salary. Save 10% of the money when you get paid. Remember, salary-savings = expenses, not salary-expenses = savings.

You can use lump-sum deposit or lump-sum deposit. But the interest rate is low, generally only 2%-3%.

Remember, whether it is a fixed deposit account or a time deposit account, after the maturity, it will be rounded up to an integer with principal and interest, and the time deposit will continue. Invisibly, compulsory savings are being made to accumulate principal.

2. 12 certificate of deposit method

12 single deposit method is to save money every month. There are 12 pens a year. The first month of the second year 1 expires, the second month expires, and so on. A sum due every month, plus new deposits, will increase the amount of circulation, and you will begin to enjoy the effect of compound interest. And an annualized rate of return of 8.3%.

Third, save money by the week.

1, 100 yuan per week

"Hundred yuan week", as the name implies, is to spend 100 yuan a week. Specifically, during the working day (Monday to Friday), all expenses such as catering, transportation, entertainment, shopping, health care, sports, etc. are controlled within 100 yuan. In addition, participants should keep a diary with numbers and record the expenses of the day.

Then save the rest of the money and get a good return. But for some people, it may be difficult to persist and the quality of life may be affected.

2, 52 weeks to save money challenge

Compulsory savings are applicable to families who can't save money, such as moonlight clan and hands-chopping people. At the same time, every little makes a mickle, and pocket money can also be gathered together, so that Qian Qian, who slips away casually, can play a greater role. 100 yuan can be deposited at one time, and it can be operated by turning on the mobile phone. You can also choose the term freely, 90 days, 180 days, 365 days, and the annualized rate of return is 6%-8.3%.

It is best to choose the right way to make money according to your actual situation. There are thousands of ways to save money, and there is always one that suits you.

Personally, I think the ultimate goal of saving money is to invest and manage money, to gain compound interest and increase value through investment and manage money, and to open up a second source of income for myself, that is, passive income.

0 1. Fixed savings.

A fixed monthly salary of at least 20% has two advantages: one is to develop the habit of saving money, and the other is to prevent moonlight.

Save a little every month, such as a salary of 5000 a month. Saving 1000 yuan has little effect on your daily expenses, but it is the seed of wealth for financial management.

02. Investment and financial management.

Qian Shengqian should be considered when saving money. I suggest putting it in Alipay to buy regular financial management for one year, because most of my money is in Alipay.

Alipay has launched several one-year regular financial management, such as: China Life Anxin Ying 360, Yangtze River Pension and China Life Anxin Li 365. The expected annualized rate of return is 4.5%.

The only thing you need to pay attention to when buying regular financial management is that you must evaluate the time of spending money before buying, because once you buy it, you can't redeem it in advance.

The second point of investment and financial management is the most important. If you don't believe me, keep reading:

Suppose there is an investment and financial management, the annualized rate of return is 10%, and the monthly investment is 1 0,000 yuan. Your achievements are as follows:

At the age of 20, I began to manage my money, and at the age of 60, I had 6.3 million.

At the age of 30, I began to manage money, and at the age of 60, I had 2 million.

At the age of 40, I began to manage money, and at the age of 60, I had 750,000.

Began to manage money at the age of 50. By the time you are 60, you will have 200 thousand.

According to statistics, the sooner you start long-term compound interest, you will accumulate huge wealth.

Therefore, the sooner you save money, the better. No matter how much money you save at first, it doesn't matter if you get into the habit of saving money first, then you are one step ahead.

Bank deposits are divided into three categories: time deposits, demand deposits and call deposits. Among them, current savings deposits are not recommended, and it is not recommended to put a lot of money in current deposits, because the interest rate is very low and it can be used as cash on hand. Time deposits include lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, deposit and withdrawal, time deposit and withdrawal, etc. Bank deposit is still the first choice for financial management, but you must not underestimate bank deposit, and different deposit methods are very different.

In the book "The Habit of Being Rich", it is mentioned that most rich people have the habit of saving money, and it is also suggested to save 10% of their income, even if they cannot hedge against inflation.

Saving money is a process of many a mickle makes a mickle. Only when you really save it will it become an asset. Excessive consumption will only make you poorer, thus forming a negative feedback or vicious circle that you can't get rid of every day.

There are many steps from poverty to prosperity, not one step at a time. Only by slowly saving money can we climb up a step and reach the level of wealth-how to describe it! Your assets didn't reach a ladder, and you saved a little money and fell, such as unexpected expenses; When you climb a ladder, you will wander on it, a process that needs to be accumulated-money can make money.

Why were there so many awesome scientists in Newton's or Einstein's time? And now it's not satisfactory! Because science is also climbing step by step, so is the industrial revolution, and only the accumulation of quantity can produce qualitative change.

Therefore, even if deposits can't hedge against inflation, we should make up our minds to make deposits, and don't believe such nonsense as "you don't manage your money, and money ignores you", which is not good for us, because the greater the income, the greater the risk-many traders on Wall Street have been making money all their lives, but a failed transaction will ruin them, and some even bring down the whole bank (such as the 300-year-old British Bahrain Bank).

How to save money is better? Needless to say, a time deposit is enough. However, it is not recommended to use most of the assets for deposits, because inflation is relatively high at present. You can deposit 65,438+00% of the funds in the bank for deposit processing according to the suggestions in the book "The Habits of Richness".