How to save money, how to save money and save money

1. Learn to cook: the meals you make yourself can be delicious and hygienic, if you don't know how to do it, you can do it according to the recipes, and now many professional recipes ** introduce the practice of food, basically a month the food cost is about 200-300, if you eat outside, it will be about 800-900.

2. Learn to buy vegetables: different seasons, different vegetable farms, different weather dishes are different, generally will buy vegetables, than will not buy vegetables, the gap between a dish is between 2-10 yuan.

3. Reasonable purchase**: Now shopping malls have begun to do ** activities, and buy corresponding necessities according to their own needs.

4. Out-of-season shopping: Out-of-season shopping is high-quality and cheap, but you should also pay attention to buying essential items.

5. Keep shopping receipts: shopping receipts have detailed unit prices of goods, before shopping, we should buy things under a reasonable budget, otherwise it is easy to get hot-headed when entering shopping malls and supermarkets.

6. Save water and electricity: remember to turn off lights, air conditioners, and computer faucets when people are away. If the faucet is broken, replace it in time.

7. Reduce unnecessary expenses: clean up items regularly, and summarize which ones are available at home and do not need to be purchased. When buying high-quality goods, you should consider whether you must have to. Go to the supermarket less, go to restaurants less, eat more fruits and snacks.

First of all, it is recommended that you learn to keep accounts and insist on carefully recording your daily expenses, which is the first habit of financial management. Then from the record, you can find that there are some that you don't need to buy, and you can consciously restrain your consumption in this area next month, and you can slowly improve your consumption habits!

In addition, if you have something that you really want to buy, ** is certain, then according to your necessary expenses, determine how long you want to buy this thing, and then spread it over each month, and the first thing to get the money every month is to save the money first, and then spend the remaining amount.

For example, if you buy a model for 200 yuan and want to buy it in 2 months, you will save 100 yuan per month and 25 yuan per week. In this way, you can only spend the remaining 75 yuan a week

The key to saving money is to spend money in a planned way, that is, you must not buy things that you can buy or not, and buy necessities only when you buy them, so that you can save a lot of money. To save money, you can choose to subtract your monthly salary from fixed expenses and daily expenses to make a short-term financial plan. For example, buy a wealth management product with a one-week or one-month term.

This can not only improve the income, but also ensure the liquidity of funds.

Extended Material: The best way to save money.

1. The method of saving money and saving every month, which everyone on the earth knows, can bring you unexpected benefits. Sent every month, stored every month. The income is higher than the whole deposit and withdrawal, "Moonlight Family."

Best for use. The specific method is to deposit a fixed amount of funds into a fixed amount of funds on a monthly basis, all certificates of deposit.

The maturity is the same, but the expiration date is one month apart, and 12 tickets are stored in a 1-year cycle. In the following year, the funds are aggregated with the principal and interest of the first certificate of deposit and then the next round of savings, and so on.

2. If you have a lot of spare money in your hands, you won't need it within a year, and it will be more convenient to use the alternate savings method. The specific method assumes that you have 30,000 yuan in cash, divide it into 2 equal parts (10,000 yuan each) and deposit them into half a year and 1 year respectively.

After half a year, change the maturity of the deposit to a 1-year fixed deposit, and set the two 1-year deposits to be automatically rolled over (that is, if you do not withdraw the deposit after the maturity of the deposit, the savings cycle will be automatically extended). In this way, the cycle time is half a year, and when you need to use the money after the expiration of each half year, you can have a maturity certificate of deposit to withdraw.

3. The four-point savings method is the most practical for a small amount of idle money that will be used within a year, but are not sure when to use it and how much to use at one time. Because a current account with a small amount of money not only has a pitiful amount of interest, but also may follow the financial market.

fluctuates and becomes less and less. By saving regularly on a regular basis, the interest rate will be much higher than saving a current deposit, and the amount you need will be withdrawn with minimal loss when you use the money. The specific method is to assume that you have 10,000 yuan in cash, divide it into four different amounts - 1,000 yuan, 2,000 yuan, 3,000 yuan, and 4,000 yuan, and then deposit them into four one-year fixed deposit certificates of Peiming.

When necessary, take out the certificate of deposit that is closest to the required amount. It can not only meet the demand for money, but also maximize the high interest.

Saving money is a very important financial plan for young people. Below I will introduce a few ways to "save money" and the question of whether you should cut back or enjoy the moment in the current situation.

1. Ways to save money:

1.Automatic savings: Set up automatic transfers to automatically transfer a portion of your monthly income to your savings account. By automating deposits, you won't be aware of the loss of money, and at the same time, you won't forget the importance of saving money.

2.Be budget-conscious: Review your expenses and identify opportunities for savings. Reduce unnecessary expenses, such as coffee, takeout, or shopping. Put the money you save each month into a savings account.

3.Budget planning: Create a reasonable budget to make sure your income covers all necessary expenses and set aside a portion for savings. With budget planning, you can have more control over your spending and save money.

4.Buy coupons or discounted items: Using coupons or buying discounted items while shopping can help you save some money. This method can not only meet your shopping needs, but also help you save money to a certain extent.

2. Cut back or enjoy the moment?

1.Financial goals: First, you need to be clear about your financial goals.

If you have long-term financial goals, such as buying a home, investing, or planning for retirement, cutting back may be a wise choice because you can achieve those goals more quickly by saving money and saving wisely.

2.Balance life: However, life should also be enjoyed, especially at a young age.

While pursuing financial stability, you should also set aside a certain amount of money for yourself to enjoy the moment. This could be traveling, socializing, having fun, or taking up a hobby.

3.Smart spending: The key is to make smart choices about your spending.

You can control your spending by setting a budget, comparing**, looking for discounts and deals, and more. This way, you can keep your expenses within your budget, while still being able to enjoy some of life's pleasures.

4.Financial balance: The most important thing is to find a balance between finances and life. You can create a long-term financial plan, but also set yourself small goals, such as saving a certain amount of money each month, to maintain financial stability and enjoy the balance of life.

To sum up, young people can plan their finances by saving money and find a reasonable balance between frugality and enjoying the moment. Whichever option you choose, the key is to make decisions based on your personal circumstances and values, and to maintain a balance between your finances and your life.

Bank Savings Regulations:

1. Time deposit shall be redeposited at maturity.

When depositors go to the bank to handle the fixed deposit business, it is best to explain to the counter staff that the key should be "transferred at maturity". The advantage of this is that after the maturity of the fixed deposit certificate, even if the depositor forgets to transfer it to the bank, the bank will automatically transfer the principal and interest of the deposit to the same fixed term for the same fixed term, and the fixed expected annualized interest rate on the day of automatic rollover. The fixed deposit certificate is automatically rolled over at maturity, which is especially suitable for some depositors who do not have a good memory.

After the maturity of the certificate of deposit, if the deposit is not redeposited in time, the bank will only pay the depositor at the expected annualized interest rate of the current deposit. Therefore, after the agreed rollover is processed, the depositor does not have to worry about losing interest due to the failure to roll over in time.

2. Partial withdrawal of fixed deposits.

After applying for a fixed deposit certificate, it is sometimes necessary to withdraw it in advance before the maturity of the certificate of deposit, and many people withdraw all their deposits. Withdrawals before maturity are calculated at the expected annualized interest rate, and the loss of interest for depositors can be imagined. In fact, the fixed deposit certificate can be partially withdrawn in advance, and the interest on the part withdrawn in advance will be calculated according to the expected annualized interest rate during the period of the manuscript reform, and the rest will still be calculated according to the original deposit term and the expected annualized interest rate until the maturity of the certificate of deposit.

3. If you need money urgently, you can apply for a certificate of deposit mortgage.

What should I do if I need money urgently after depositing a fixed deposit? Bear the pain of withdrawing your fixed deposit early and losing interest in vain? In recent years, many banks have opened a fixed deposit certificate mortgage business, which can be handled online, which is very convenient.

4. Depositors can remit without handling fees.

Nowadays, banks have opened personal electronic remittance services, as long as depositors have a bank or card number, they can send money between different banks. However, remittance has to pay a handling fee, and the general handling fee rate is up to 1%, and if the depositor needs to remit frequently, the handling fee accumulates to a large fee. Many people don't know that some banks can transfer money by credit card without handling fees.

For example, ICBC's Peony credit card is free of handling fees for deposits and remittances in different places across the country. The Golden Harvest Card of the Agricultural Bank of China is also free of handling fees for intra-provincial transfers and remittances.