Which is the best way to save money?

Demand deposits are good.

The advantage of demand deposit is that it can be accessed at any time, the flexibility is great, the current deposit in the account should not be too much, and the amount required for daily life can be left, you can go to the bank to deposit the money that is not used for the time being, or you can use the intelligent financial management function of some bank cards, as long as it exceeds the agreed amount, the rest will be automatically transferred to the fixed term.

The disadvantage of time deposits is that they are not as flexible as demand deposits. As far as lump sum deposit and lump sum withdrawal are concerned, there are generally five deposit periods, including three months, six months, one year, two years, and three years, and the current annual interest rates are00％。

Fixed deposits will not have much room to fall after several interest rate cuts, and once the interest rate rises, long-term deposits will not be able to enjoy higher interest rates and will suffer.

It depends on which aspect you choose, if you have children at home, it is better to save for education. If you are an old man, it is better to buy treasury bonds. For younger people, consider open-ended basic or corporate bonds.

See when you're going to use the money and how much money you have?

If support is available at any time, it is best to choose a flexible account.

If you don't need the money for a certain period of time, you can save for 3 months, 6 months, 1 year, 2 years, etc., depending on how long you don't need to use the money!

If you have a stable income to save every month, you can save one every month for one year, so that after 12 months, there will be a maturity every month, which is convenient for flexible withdrawal and maximum interest. All of them enjoy a 1-year deposit interest.

At present, it has entered a cycle of interest rate hikes, and it is recommended that the deposit period should not exceed one year at most to cope with the interest rate hike!

Then you might as well open a ** money to make money, a circular business that won't lose money! Interested in adding a name!

What should I pay attention to when I go to the bank to deposit money, and which deposit method is better to choose, hurry up and take a look.

1. Change the big into the small.

If you have a large amount of money to make a fixed deposit, you can split it into several smaller time deposits, so that if you need it urgently, you can withdraw one of them (the unmatured time deposit) while the other deposits still receive a fixed income. If you deposit a large amount of time deposit at one time, and you have money to use, the time deposit has not yet matured, then the withdrawal is based on the current interest, so it is not cost-effective.

The most practical way to save money.

Monthly Certificate of Deposit Method

The "12-month unit method" means that a fixed deposit is made every month for a year, and each term is for one year. In this way, from the second year onwards, you will have a small deposit due every month, if there is an urgent use, you can withdraw it for use, and you will not lose interest, if there is no urgent use, this deposit plus a new deposit together with a fixed deposit for another year, so that the snowball will roll bigger and bigger, and your wealth will be more and more. This method is suitable for salarymen with a regular monthly income.

The most practical way to save money.

Day Savings Method

As the name suggests, it is 365 days, save a sum of money every day, and the amount of money saved every day is not the same, the number of savings is very flexible, you can save according to your actual situation, 1-365, save a number, cross out one, until the 365 numbers are crossed, then your deposit is more than 60,000 yuan.

Weekly step-by-step savings method

The 52-week savings method is a very popular method of saving money internationally. Specifically, it is calculated according to 52 weeks a year, and 10 yuan is deposited every week, for example: 10 yuan in the first week, 20 yuan in the second week, 30 yuan in the third week, and 520 yuan in the 52nd week, so that there are more than 13,000 yuan in a year.

In the same way, you can also save 520 yuan in the first week, 510 yuan in the second week, and 10 yuan in the 52nd week. Let's apply it flexibly according to your individual needs.

The most practical way to save money.

5. Tiered time deposit method

If you have $30,000 to be fixed, you can divide it into 3 parts, which are 1 year, 2 years, and 3 years. After 1 year, the maturity of 10,000 yuan will be adjusted to 3 years, and so on, after 3 years, the certificate of deposit in your hand will become a 3-year certificate of deposit, but the maturity time is different, and the difference is 1 year in turn. With this fixed deposit method, you can balance your annual wealth management maturity.

The most practical way to save money.

6. Savings deposit method

This is very simple, just deposit 1,000 yuan per month on the current treasure, which is now available on many online financial management platforms, and the interest is much higher than that of the bank current account, and it can be withdrawn at any time. When the deposit amount of the current treasure reaches 10,000 yuan, it will be taken out and placed in a time deposit with higher returns.

1. The most cost-effective way to deposit money in the bank:

1. Choose the right fixed deposit term, in order to pursue high interest rates, many people will directly choose a fixed deposit with a long term without considering other factors. However, the following situations are likely to arise in this debate.

Withdraw: During the fixed deposit period, if we urgently need money and withdraw the funds in the middle, then this early withdrawal can only calculate interest at the current interest rate, and the loss will be greater, which not only wastes time, but also wastes the interest income that can be created by the cleared funds. Therefore, in the case of interest, it is also necessary to consider the liquidity and flexibility of funds, so as not to do useless work.

Interest rate inversion: Since the bank's interest rate will be adjusted, sometimes we can find that the interest rate of the three-year fixed deposit will be even higher than the interest rate of the five-year fixed deposit, so the longer the bank fixed deposit, the higher the interest rate.

2. Automatic rollover.

If we do not apply for automatic rollover, then if we do not take it out after maturity, it will be automatically converted to the current deposit interest rate. In this case, the earnings will drop significantly. However, if the automatic rollover is handled, then when the deposit expires, we do not withdraw the money on time, the bank will automatically deposit the money again for a fixed period of time, and the interest will be calculated at the fixed deposit interest rate.

Second, several tips for saving money.

1. Throttling. The so-called throttling is the meaning of saving, people's desire is unlimited, all if you want to save money, then we must learn to restrain your desires, in life, reasonable spending, not blind consumption, of course, throttling does not mean excessive saving, daily necessities, food and clothing should be spent or spent. It is recommended that you can develop the habit of keeping accounts, so that you can clearly know where the money is spent.

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It mainly depends on the size of the depositor's funds and the plan for the use of funds

1. If it exceeds 200,000, large-amount certificates of deposit are preferred, and the interest rate is high; If it is more than 50,000 yuan, you can consider wealth management products other than bank fixed deposits, with high interest and flexible funds. After the introduction of the new wealth management regulations, the threshold for wealth management products has been lowered to 10,000 yuan;

2. For funds that have been idle for a long time, you can consider bank three-year or five-year fixed deposits, with high interest rates; For funds that are not used in the short term, but have a specific purpose in the foreseeable future, you can consider purchasing suitable bank wealth management products during the period to not delay the use of funds; If you are not sure when the funds will be used, you can consider depositing a bank fixed deposit but can withdraw it in advance, and rely on the file to calculate interest.

Ping An Bank issues large-amount certificates of deposit, fixed deposits and wealth management products with a variety of deposit tenors to meet the investment needs of customers.

Single Savings Method – Relay Savings.

In real life, you can deduct living expenses from your salary every month, and the rest of the money is directly deposited in the bank for 1 year for 12 months. In this way, in the next year, there will be 1 regular expiration per month.

This kind of forced savings is more implicit, and it can properly maintain the liquidity of deposits.

2. Bank fixed deposit.

This is easier to understand, that is, to save a fixed amount of money in the bank at a fixed time. If you stick to it in the long run, you will have a lot of benefits.

3. Profit and interest savings method.

This method of saving money combines interest and principal, and the interest and principal are harvested at the same time.

First, the money is deposited, the interest and principal are withdrawn when it matures, and then the interest and principal are deposited into the account of the lump sum deposit. This way of earning interest, in the long run, you will find that you will have great returns.

4. Alternate money saving method.

The alternate deposit method is a relatively simple method of saving money, which divides the existing funds into two parts, and then stores them in two cycles: half a year and one year. After half a year, change the half-year period to one year.

Then set the two one-year bills to be automatically rolled over for alternate storage. After half a year, a one-year deposit will be available, and you will have some extra money in hand for emergencies.

5. Agree on automatic rollover.

Agree with the bank to automatically convert the money in the current account into a fixed deposit. For example, let's say you pay 5k on the 10th of each month, but your monthly expenses are only 3k, which is 2k more. At this time, you can go to the bank to apply for the automatic rollover business.

6. Save money weekly.

The first method: 100 yuan week.

As the name suggests, it is to spend 100 yuan a week. During the working day, all the consumption is added up to 100 yuan, and the rest of the money is saved. This method is more demanding, requires a certain amount of self-control, and for some people, it can be difficult to stick to it, and the quality of life will suffer.

A 365-day savings method is recommended. Save at least 60,000 a year. That is, in a year, save 1 to 365 in turn every day, (not the same every day), and you can save about 10,000 in a year.

Method 1: Income BAI - Savings = Expenditure.

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In terms of the management logic of daily expenses, DAO is income-expenditure return = savings. Spend the money first, and then save the rest. This way of saving money is OK for people who have worked for many years and have a stable income.

But for young people who have just worked, first, the income is not high, and second, there is no sense of saving, so they often can't save much.

Whereas, income - savings = expenditure. Set aside the money you want to save first, and then use the rest of the money for daily expenses. If you do this way, you will be able to save a lot of money before you know it.

Method 2: 52-week step-by-step savings method.

The name of this method of saving money sounds lofty, but the rules are actually very simple. It's about determining how much money you want to save in the first week, and then saving an extra amount for the next week than the previous week. And so on, and after a year, you will have a decent deposit.

Method 3: 365 Saving Method.

The rules of this deposit method are also very simple, that is, 365 days a year, deposit any number of money corresponding to any number from 1 to 365 every day, and it cannot be repeated.

The specific way is to draw one on paper or use excel to build a 365 grid **. Then fill in the number from 1 to 365, save a sum of money every day, and draw a cross on the number corresponding to that money. This method is more flexible and allows you to control the amount of money you save according to your own situation.

For example, if the cost of this week is relatively large, then you can choose a small number; If the cost is relatively small next week, you can choose a larger number.

Learn these 3 ways to save money, you can make a lot of money a year, and you are no longer afraid of bank deposit routines.

No deposit in the bank, the interest is too low. You can buy currency**, similar to bank demand deposits, with an annual return of about 3% (different ** varies greatly). I'm in 51 Character Finance, and the income is higher, but it may be risky.

First of all, you should have your own arrangements for savings, and you must have reasonable expenses in life.

You can choose to save money after daily necessities and other expenses, and choose the appropriate period.

And be sure to save some of your own expenses.

My content has introduced a lot of financial management and savings investment related content since this year, I don't know if you have practiced it after reading it. If you see my content, congratulations, you're already one step ahead of laughing at others! You've already started to have the idea of managing your own money, and you want to understand it and put it into practice.

Although I have emphasized the importance of saving money many times, saving money is the first step in our financial investment, and saving money is the foundation of financial investment, and it is also the means by which we can quickly hit the ruler to achieve it. But! You still think that it is difficult to save money, and there is no money to save if the income is small, the cost is high.

That's because you're not hard enough on yourself, not determined enough! There's nothing you can't do as long as you want to do it, right? I will introduce three ** savings methods to make you secretly become rich.

Envelope Deposit Method.

Envelope storage is very popular in Japan, that is, to use envelopes to store money by category, it is recommended to use a transparent envelope document bag, and the ordinary envelope has been transformed into a good helper for saving money. The envelope deposit method divides your monthly income into 4 parts, which can be divided into rent, living expenses, savings and emergency reserves, but the specific division still has to be distributed according to personal living habits.

Prepare sorted envelopes before payday, label the purpose on the exterior of each envelope, and then put the money in the envelope according to the allocated money. Because each envelope is transparent, the money inside the envelope bag is clearly visible at a glance. It's easy to see how much each category is spent on usage and how much remains.

The purpose of this method is to prevent yourself from spending money indiscriminately. If we have a balance, it also greatly improves our sense of accomplishment in saving money, and the motivation to save money will also increase.

Although electronic payments are popular these days, it is also a good way to save money if we stick to cash. The biggest advantage of the envelope deposit method is that you can clearly and visibly know the flow of money, which is incomparable to electronic payment, and it is because electronic payment is too convenient that our money will slip away quietly.

Six jars of money saving method.

The Six Jars Savings Method is what I proposed by Harvey Ike, the author of his book "Rich People Are Different from What You Think", [Unlocking the Rich Man's Wealth Code]. You have to develop the habit and ability to manage small amounts of money to have a chance of getting big money. The Six Jars Savings Method is to divide your income into six parts every month, so that you know when you can use your savings, and you can slowly get out of the Moonlight Clan.

The jar is just a formality, whether it is replaced by a bank account, an envelope or a box, the point is to understand the concept behind it, and to balance the expenses.

1.10% of the Financial Freedom Account, every time you receive a sum of money, you put 10% of it into this account. This money, you can only use to invest and create passive income.

2.10% of the education account, this part of the money is mainly for you to improve your abilities, such as buying books, courses, and upgrading skills.

3.55% of the living expenses account, which is the largest proportion of the six jars, this account is used to pay for your necessary food, clothing, housing and transportation expenses.

4.10% for long-term savings accounts, this account is a much-anticipated savings account.