What is painless saving money? Do you have a new solution of "saving money without pain"?

Painless saving means that you don't pay much at one time, but it takes a long time and you save a lot unconsciously. Daily saving methods can improve the balance rate, including envelope saving method, six cans saving method, 33 1, 63 1, 532 principle saving method. Envelope deposit method Envelope deposit method is very popular in Japan, which is to deposit money according to envelopes. It is recommended to use transparent envelope file bags. Plain envelopes have become a good helper to save money. The envelope deposit method divides your monthly income into four parts, which can be divided into rent, living expenses, deposits and emergency reserves, but the specific division still has to be allocated according to personal living habits. Prepare classified envelope bags before payday, paste the purpose on the appearance of each envelope bag, and then put them into envelopes according to the allocated money. Because every envelope is transparent, the money in the envelope bag is clear at a glance. We can easily see the usage and surplus of each classification cost. The purpose of this method is actually to prevent yourself from spending money indiscriminately. If there is a balance, it will greatly improve our sense of accomplishment in saving money, and the motivation to save money will be greater and greater. Although electronic payment is very popular now, it is also a good way to save money if we insist on using cash. The biggest advantage of envelope deposit is that you can clearly know the flow of money, which is incomparable to electronic payment. It is because electronic payment is so convenient that our money will slip away quietly. You must cultivate the habit and ability to manage small money before you have a chance to get big money. The six-cylinder deposit method is to divide the monthly income into six parts, so that you can know when to use the deposit and gradually get rid of the moonlight family. The jar is just a form, whether it is a bank account, an envelope or a box, the key point is to understand the concept behind it and offset the expenditure. 1. Free financial account 10%. Every time you receive a sum of money, you deposit 10% of it into this account. This money can only be used for investment to create passive income. 2. Education account 10%, this part of the money is mainly to improve your ability, such as buying books, taking advanced courses and upgrading your skills. 3. Living expenses account for 55%, accounting for the largest proportion among the six cans. This account is used to pay for your necessary food, clothing, housing and transportation expenses. 4. Long-term savings account: 10%. This account is an expected savings account. Those things that need to be saved for a period of time can be purchased through this account. 5. Play account 10%, this account is for your own play, and the reason for setting it up is to give you the motivation to maintain financial management. Yes, we make money to live a better life in the future, so this account allows us to enjoy money without pressure. 6. Give the account 5%. This account is mainly used to help others to be happy or spend money on others, such as inviting relatives and friends to dinner, buying gifts, or charity. 333,631532 principle deposit method The following deposit methods are calculated with a monthly salary of 3,000: 333 deposit method 333 deposit method The principle is to divide the monthly income into three parts and distribute it at 33%. 33% living expenses, 33% investment and 33% savings. If there is no investment activity, you can change to other projects. 333 deposit method: 1000 for one month and 12000 for one year. Three painless deposit methods: envelope deposit method, six-pot deposit method and 338+0.532 principle deposit method. You can find that these three ways actually control the income according to a certain proportion. According to everyone's actual situation, you can freely adjust and find the most suitable proportion. By controlling your income in proportion, you can reduce the total amount of each expenditure, relieve the pressure and clearly see your expenditure speed and surplus.