How To Manage Money In Order To Save Money?

　 Idea

In addition to nurturance these habits that can radically change your life, you also need to increase your income, capital and investment by doing what you are interested in. Investment Profit.

Frugality is the way of life for many millionaires. This is also the basis for your accumulation of the first 1 million in seven years. Around the age of 19, sir Temple Temple, the world famous jazz growth fund, saved half of his income to invest.

Poverty is not a virtue, but a sense of ignorance in a sense. Mr. Schaefer thought.

The first quarter: how can we save money?

If you are just starting to save money just because you love money, you can regard saving as a game. You can win the game by using these methods that I have introduced to you.

Most people have less real deposits than they can save. The reason for this phenomenon is not related to the amount of money owned by individuals, or the macroeconomic situation. The problem is how people feel about money. For many people, spending money is enjoyable, and saving is a painful punishment. Financial experts sometimes do not communicate very well with their customers. They often ignore the psychological factors that affect the behavior of saving money. If you are very difficult to save money just because you love to spend money, I suggest you try the following ways, which will help you achieve savings.

Think of saving as a game. Once you realize that this game is full of smart challenges, you will be happy to succeed.

First of all, you have to think about how to allocate your money. If you want, you can put some of your money in a small pocket or envelope for emergency use.

The following methods are very effective. If you study hard, you will succeed.

1, open your wallet, look at all kinds of colorful cards inside, find out which bank card you are not very commonly used to withdraw money, lock the target this step is completed.

2, regularly withdraw 10 yuan, 20 yuan or 50 yuan from your payroll account. In short, it is not necessary to deposit it in your fixed deposit account. Give yourself a transition time to get used to this kind of disposable cash that is less than ever, and see what you have to change. 2-3 months later, increase the amount taken from the payroll account every time.

3, start with less. I suggest that you accumulate 10% of your income. That's a good goal. Don't give up because you may not be able to do it. It is far better to develop a good savings habit and insist on saving money than you can deposit a large sum of money once in a while.

4, take 5 yuan or 10 yuan from your wallet every day and put in an envelope. Deposit a certain amount of money in the envelope every month into your deposit card, and remember the truth of accumulating sand and becoming a tower. Suppose you save 10 yuan a day, 300 yuan a month, and 3600 yuan a year!

5, check the credit card statements and see how much you pay by credit card every week. If possible, reduce the amount you draw from your credit card every month, that is to say, be tight. At the end of each month, the money saved is deposited in a savings account.

6, draw your goal. Now focus on why you save money. Saving money is not the ultimate goal. No one will be interested in "Ge Lang Tai". Saving money is to achieve your goal. Do you want to change to a bigger house? Buy a car? For your baby? Or do you plan to study further? Or invest? In short, draw all your targets and put them on the fridge, kitchen door, table, etc. any place you will often see, remind you of your goals often. You know, the money you spend now is essentially different from the money you spend later, which is often called savings. The goal of these paintings will increase your motivation to save money, so create a dream account as soon as possible.

7, repay your debts to the bank as soon as possible so as to reduce interest payments.

Once you get into the habit of saving and stick to it, then it's time to consider how to get higher returns. It is very important to choose one or several investment modes that are suitable for you.

The second quarter: how to save is more cost-effective.

Low savings and savings in savings deposits are still an important channel for the public to invest in financial management. Saving skills are very important. They will optimize the value of your savings deposits. In this article, we will make a thorough inventory of the current banks' storage, so that their storage skills will be fully displayed in front of you.

1, demand savings

(1) the characteristics of seed storage. At present, banks generally agree to deposit 5 yuan for current savings. They are not limited to banks. Passbooks are issued by banks. The interest is settled once a year, and the interest of the previous settlement is incorporated into the principal for the next interest.

(two) storage skills. Demand deposits are used for daily expenses, flexible, convenient and adaptable. In general, the monthly fixed part of the income (such as part of the salary) is deposited into the current passbook as a daily standby fund for daily expenses.

Due to the low interest rate of demand deposits, a large amount of deposits should be transferred to time deposits as soon as the current accounts balance. In addition, for a current account that usually has large sums of money in and out, in order to make interest interest, it is best to settle a current account every two months, then reopen a current passbook after clearing the principal and interest.

In addition, when you open a current passbook, you must remember the password. This is not only for the security of deposit, but also convenient for cross savings and cross regional access, because the bank stipulates that passbook without passwords can not be handled in non account savings.

2, regular savings and savings.

(1) the characteristics of seed storage. The deposit period of 50 yuan is divided into three months, six months, one year, two years, three years and five years. Once the principal is deposited, the bank will issue the certificate of deposit and withdraw the principal and interest with the certificate of deposit. You may apply to the bank for automatic transfer or agreed transfer business before opening or expiring. If the certificate of deposit is not paid in advance, interest is paid according to the current account.

(two) storage skills. Time deposits apply to life savings for a longer period of time. In the era of high interest rates (for example, in the early 1990s), the deposit period should be "medium", and the 5 year deposit will be decomposed into 1 years and 2 years. Then it will be rolled up for storage.

In today's low interest rate period, the deposit period has to be "long", and it can not be stored for 5 years, because the characteristics of savings receipts under low interest rates are "longer deposits, higher interest rates and better returns".

Of course, for those who do not have a longer period of time, but can not determine the specific deposit period, it is better to use the "zero removal" method, for example, a deposit of 50 thousand yuan is divided into 5 thousand yuan, 10 thousand yuan, 15 thousand yuan and 20 thousand yuan 4 pen, so as to take the corresponding part according to the specific circumstances. deposit Avoid loss of interest. If interest rates are adjusted, there should be a regular deposit. If the interest rate is raised, the short-term interest rate will be kept short. If interest rates are lowered, long-term interest rates should be kept in order to earn high interest on deposits.

In addition, we should also pay attention to using the means of automatic transfer (agreed transfer), part of the advance withdrawal (only once), deposit receipt pledge loan and other financial means to avoid the loss of interest and the trouble of running the bank in person.

3, zero savings and regular savings.

(1) the characteristics of seed storage. The deposit period of 5 yuan is divided into one year, three years, and five years, 3 grades. It is suitable for all kinds of depositors to participate in savings, especially for low-income people to accumulate life savings. The amount of deposit opening accounts is deposited by the depositor and is deposited once a month. If there is a leak in the middle, the deposit should be paid in the next month. The unpaid party will be regarded as a breach of contract. When the payment is due, the interest will be calculated according to the real amount and the actual deposit before the default. The principal part of the deposit after the breach will be calculated according to the actual interest rate and the current interest rate.

(two) storage skills. The zero deposit is applicable to the relatively small amount of small balance storage, and has strong accumulation. Because this storage is more rigid, the most important skill is "persist" and never leak for 2 months. Some people have been storing up for a period of time, and think that such small storage has little meaning and they give up. If there are many colleagues at the same time for the zero deposit and acquisition business, they can entrust the Union and other organizations of the unit to deal with them collectively.

4, save money and save interest regularly.

(1) the characteristics of seed storage. 5000 yuan deposit, the deposit period is divided into one year, three years and five years 3 grades. When an account is opened, it will be divided into interest rates within 1 months or a few months according to the agreed period. If the principal is withdrawn ahead of time, the actual interest shall be calculated according to the provisions of the advance withdrawal of the time deposit, and the interest paid before the refund shall be deducted.

(two) storage skills. If we want to save interest and save interest on the basis of regular savings, we must use the combination of zero storage and storage to produce the effect of "profit plus interest". That is to say, the fixed capital should be regularly raised in the form of deposit and interest, and then the monthly interest will be saved in the form of zero deposit. In this way, an automatic interest transfer service can be agreed with the bank to avoid the trouble of running the bank every month.

5, fixed income and two saving.

(1) the characteristics of seed storage. 50 yuan can be deposited at any time. It can be obtained at any time, that is, regular profits and regular demand. When you open an account, you do not have to stipulate the deposit period. The bank pays interest according to the actual deposit time. If the actual deposit period is within 3 months (excluding 3 months), the interest will be calculated according to the current interest rate at the time of sale, and the actual deposit period is 3 months or more (including 3 months). According to the same class, the total deposit rate and the time deposit rate will be 40 percent off.

(two) storage skills. The main purpose is to grasp the withdrawal date and ensure that the retention period is greater than or equal to 3 months, so as to avoid loss of interest. {page_break}

6, notify savings deposits

(1) the characteristics of seed storage. 50 thousand yuan deposit, one deposit can be taken at one time or sub - time, the deposit period is divided into 1 days and 7 days, two grades. Prior to withdrawal, the time and amount of the withdrawal must be agreed with the bank. Such deposits mainly deal with depositors who cannot identify future investment directions. Its interest rate is lower than that of time deposits, but higher than demand deposits. If you have a sum of 5000 yuan for short-term use, but you can not confirm the specific date, you can choose a fixed deposit deposit mode. You only need to open a personal notice deposit passbook. The notice deposit is a popular characteristic store in some banks. When it is deposited, it does not need to make a deposit date. When it is drawn, it will inform the bank one day or seven days in advance. It is called "one day notice deposit" and "seven day notice deposit". The interest rate is 1.35% and 1.89%, much higher than the current interest rate.

(two) storage skills. Notice deposits are most suitable for depositors who are required to use large current deposits but do not know the exact dates. For example, the purchase funds of self-employed individuals, the cash holding stocks or idle funds during the stock market holidays during holidays. Try to set the deposit as 7 days' grade.

　 7, educational savings

(1) the characteristics of seed storage. 50 yuan deposit, the deposit period is divided into one year, three years, six years 3 grades. The amount of storage is determined by the depositor and is deposited once a month (the total principal amount is 20 thousand yuan). If there is any leakage in the middle, it is necessary to make a deposit in the next month. When the maturity is withdrawn, the principal part of the deposit before the breach is calculated according to the actual amount and the actual deposit period; the principal part of the deposit after the breach is calculated according to the actual deposit and the current interest rate.

The object of the storage is a student under grade four of primary school. If he can provide proof of identity certificate of students who are receiving non compulsory education at the time of sale, he can enjoy preferential interest rates and interest free tax. Otherwise, he will collect interest and collect interest according to zero storage. In short, educational savings have the characteristics of "customer specific, flexible retention period, total control, interest rate concession, interest tax exemption".

(two) storage skills. The seventh provision of the management measures for educational savings stipulates that educational savings are for the purpose of saving time deposits. The depositors and financial institutions agree on the monthly fixed deposit amount when they open accounts, and deposit them in monthly installment, but allow them to be leaked every two months. Therefore, as long as the convenience of leakage is saved, the depositors can reduce the fatigue of running banks 6 times a year and raise interest income appropriately.

However, someone violated the requirement of "zero deposit", drilled the "monthly deposit", and saved the total amount of 20 thousand yuan in two or three months in the first few months. This method can raise interest income (taking 20 thousand yuan for 5 years as an example, this method can get more interest 1349.92 yuan), but violated the "education savings management method", do you mean to deposit or deposit it? I will do that.

The third section: animal husbandry skills

How to arrange scientifically and increase the income of savings? Here are four kinds of slightly higher end savings combinations for your choice. In fact, there are articles in the station, so do a tidying up here.

1, ladder storage method

This method can achieve high interest rates without affecting the flexible use of funds. The specific method is: suppose you are prepared to save 50 thousand yuan, and can be divided into five 10 thousand yuan, one year deposit certificate, two year deposit certificate, three year deposit certificate, four year deposit certificate, that is, three years plus one year, and five year deposit certificate respectively. After a year, you can use the expired 10 thousand yuan to open 1 1 - year certificates of deposit. Every year after that, five years later, the certificates of deposit held in the hands are all five years. But the expiration date of each l million deposit certificate is different, with a difference of 1 years in sequence. This saving method can not only keep pace with interest rate adjustment, but also get the high interest rate of the five year deposit, and it is also a method for the conservative family to invest in the medium and long term.

　 2. Monthly storage method

It is also known as twelve certificates of deposit. This method can not only accumulate funds well, but also maximize the flexibility of savings. Even if money is badly needed, there will not be too much interest loss. The specific steps are: if you pay 1000 yuan a month for savings, open a one year deposit certificate every month. When you deposit a year, you will have 12 certificates of deposit, and the first deposit certificate will expire. Take out the interest and principal of the first deposit certificate and add the l000 yuan to be saved in the first month of second years, and then deposit it into one year time deposit certificate. By analogy, there will be 12 certificates of deposit. Once it is used urgently, it is OK to withdraw the deposit receipt. This method can not only reduce interest losses, but also solve urgent needs, which is applicable to the emergency needs of wage earners.

3 and four points store method

Suppose you have 10 thousand yuan, and use a sum of money in a year, but the exact amount and time of the money are uncertain. In order to get the 10 thousand yuan as high as possible, you can choose four points storage method. That is to say, the funds should be deposited into four certificates of deposit, but the amount should be larger than one. For example, we can save l yuan to 1000 yuan, 2000 yuan, 3000 yuan and 4000 yuan altogether four. Of course, it can also be further subdivided into more certificates of deposit. In this way, if you need 1000 yuan, just use l000 yuan's certificate of deposit. We only need 1000 yuan to avoid using "large" certificates of deposit. In this way, unnecessary interest losses can be reduced.

　　 4. Interest roll storage method

This is a way of saving money that combines interest saving with savings and savings. The specific steps are: if you have 30 thousand yuan, you can first save it as a savings deposit. After a month, withdraw the first month interest of saving interest and save the savings account with the first month interest. After the interest is taken out, the savings account is saved to the savings account. In this way, interest is not only earned, but also interest earned through savings in savings. such savings Method, so that a sum of money can earn two interest, so long as it persists, there will be a good return.