How can I increase my motivation to save money?

No matter how expensive the things you want to buy are, you have the motivation to save money. If I really want to travel, I will save money seriously.

Start by setting yourself a goal, for example, if you want to buy a tablet, or if you want to plan a trip.

You can see if you have anything in particular that you want to buy, and if so, you'll be motivated to save money.

Fixed deposit and fixed investment, so that he forces himself to save money and manage money.

Have a goal in mind, make a plan, and be strict with yourself to take practical actions, I believe that good results will be achieved.

How much a person has the ability to spend money is how great his ability to earn money. People who can spend money are people who can make money, unless it's a hand-reaching party.

Start by setting a goal, such as going on a trip or buying a car, so that you will be motivated to achieve it, and then save money.

For example, I have to take out a loan to buy a car now, so I have to repay it every month and have to earn more money.

Think about your family, your loved ones, your dreams, and feel your pockets, and I'm sure you'll be motivated, friend.

Start by identifying a goal in life. Then go all the way towards this goal and put a certain amount of pressure on yourself, and only by making more money can you save more money.

If you want to increase your motivation to save money, then I highly recommend that you give yourself a goal, and you will be more motivated to work towards it.

If you want to improve your previous motivation, you should set yourself a goal plan, how much to save each year, how much money you should save every day, so that you will be motivated.

It's hard to increase your motivation to save money, but of course you can choose to give yourself the right time to save money for the future.

1.Saving money is an act of creating security for the future, but if we don't have a good financial plan, it can be stressful. First, you can break down your savings plan into small goals, gradually achieve each goal, and actively reward yourself to make yourself feel progressive.

2.We can save in a diversified way. Divide the savings amount into different accounts, such as pension accounts, housing provident fund accounts, ** accounts, etc., so that you can have more choices in the future difficulties, and avoid the risk of putting all your savings in one place.

In addition, you can also set up regular savings and set up an automatic transfer service to transfer the savings amount to a designated savings account every month, making saving more convenient and easy.

3.To alleviate the stress of saving money, we can start with the details of life. For example, in our daily lives, we might as well try more homemade food, unsubscribe from unnecessary memberships, buy great value for money, and so on.

In these ways, we can better control our daily expenses and increase our savings. At the same time, you can also allow yourself to focus more on value rather than **, manage your living expenses carefully, and provide support for future savings plans.

In short, develop good saving habits, automatically transfer a certain percentage of the income saved each month to the savings account, so as to save in a timely manner, long-term savings is also a good way, and can reduce the negative impact of excessive savings, create an environment conducive to saving, such as choosing some small and comfortable residences, Qijia's "small and beautiful" style is very consistent, follow wise financial planning, good savings habits, scattered savings and concrete, detailed lifestyle, It can make it easier for us to save money and achieve the goal of saving, and for young people, I think the current economic and employment environment is not very good, and the best way at the moment is to save properly to deal with the crisis.

If you want to improve the distribution of financial management ability, your salary, and achieve financial freedom, you should do the following requirements!

1. According to their specific actual situation, the income will be distributed proportionally.

There are only two ways to get a salary income every month, save it or spend it, but the reality is that it is difficult to save all the salary income, because we have to fight for the expenses to survive, and these expenses are necessary expenses, such as rent, utilities, and food; Therefore, we should divide our income proportionally and our expenses proportionally according to our specific actual situation.

2. Management and control of unknown risks.

Because salarymen basically only receive one salary once a month, and we have a fixed expenditure that we must spend every month, if we spend all our living expenses at the beginning of the month, we must save money to survive until the next month's payday or borrow money to get through the rest of the month.

Now that the global environment is in a recession, companies cut salaries, lay off employees, suddenly fall ill, and accidents happen from time to time. If you are a person who does not have the habit of saving money, and your monthly income is spent on consumption, even if there is an urgent need for money one day, no matter how high your salary is, you will have to wait until payday to have money, and you still have no money to pay in the current situation.

3. Income can be distributed proportionally, and the principle can be followed.

For example, 60% of the collected money will be used as necessary living expenses, 30% will be used as other expenses, which can be expenses such as entertainment and self-improvement, and the remaining 10% will be used as an emergency reserve for compulsory savings. And the money left after subtracting the necessary expenses from the monthly income is what we can use flexibly, about 30%-40%.

In other words, even if you want to save more money and compress your necessary living expenses, in the long run, your plan will be broken again and again, and eventually give up the entire financial plan, because the unreasonable distribution ratio will be prohibitive, so the sustainable savings income distribution ratio must be tailored to your own actual situation!

My first salary wasn't really huge, but I didn't use it to buy anything I liked. Instead, choose to save it up and make some more prudent investments. Saving money is a very important thing for everyone, don't think that spending less money is a process of accumulating small amounts.

All wealth is accumulated by accumulation. Saving is the first step to financial freedom for many people. It is the most basic and important stage, regardless of who wants to achieve passive income for money.

All need to have the blessing of principal, and saving is to accumulate principal, and many people's first pot of gold is saved by themselves. The order of saving money is very important, many people spend it until the end of the month, how much is left, how much is left, often there is no left, if you change it to save first and then spend. Then you may find that there is no impact on your life, but the account balance will slowly increase, for young people who have just stepped into society and got their first income.

You might as well start with 10% of your income, where you can save money, in addition to bank deposits, less risky currency** products are also a good place to save money, the key is to develop the habit of only getting in and not leaving.

The income is not high, you have to plan well, spend the money on the **, don't eat and drink, you can give priority to the money in your wish list Those people who help you improve your own advantages such as learning a course, taking a certificate, buying a computer or mobile phone course that can improve work efficiency, can provide more choices and preparation for the future career, certificates can improve their future, competitiveness in an industryIn some industries, certificates are directly linked to income, and office equipment with good performance, You can make your work twice as effective with half the effort, these aspects, at the moment, seem to cost money, but in the long run, it can be great. Be an individual, improve your earning power, and give yourself appreciation.

The method of saving money to maximize the return: large-amount certificates of deposit is a relatively popular deposit product in recent years, with 200,000 subscriptions for large-amount certificates of deposit, and the term is similar to that of ordinary time deposits, but the interest rate is higher than that of ordinary time deposits, such as the same three-year deposit, ordinary deposits can only give about the interest rate, and some banks can give interest rates or even interest rates for large-amount certificates of deposit.

Therefore, if you have a deposit amount of more than 200,000 yuan, you can give priority to large certificates of deposit, and if the amount is larger, such as more than 1 million, then you can directly negotiate the deposit interest rate with the bank. At present, many banks are very short of deposits, and many banks can negotiate interest rates on their own for large deposits, and some small banks can even get an interest rate of more than 5% for a one-time deposit of 1 million yuan for 5 years.

At present, China's bank deposit interest rate is a floating interest rate, and the major banks can set prices according to the actual situation of the market; when the market funds are relatively loose, the interest rate is generally relatively low, and when the funds are relatively tight, the interest rate will be relatively high.

In the middle of the year or at the end of the year when the bank is facing the assessment, the major banks are very short of deposits, at this time many banks will rise higher deposit interest rates, so in the middle of the year or at the end of the year to bank deposits can generally get a higher interest rate.