Tell me how you save money? How to save money

When I was a child, my mother gave me a bank card for the pocket money given by my elders, and I kept all the money in it and didn't spend it indiscriminately; When I was in college, I slowly learned how to manage money, and occasionally put the extra spare money in Ma Yun's father's treasure, which was very safe and made some profits appropriately, or the money was idle. After joining the work, I saved half of my salary, and half of it was taken out to buy **or**, although there is a risk, but the return is also very high, even if there is an occasional small loss, it is also within my financial tolerance.

Set a goal every month according to your salary, for example, you must save 1,000 for this month's salary, and 1,002 for the next month. This slowly accumulates, I put it in Yuebao, looking at the income every day and thinking about how much income I will save next month, it will be enough to have breakfast or enough to take the bus, enough QQ** members, so that I am very motivated to save money! But it's not very tight, it is necessary to have an incentive to save money.

Since I was 17 years old, I've learned how to save money! I will divide the money into about three parts, one is my fixed expenses every month, such as utility bills and children's school fees! The other is the living expenses, including, rice, flour, oil and gift money, and the other is to keep it in a fixed card, not bound to a bank card, and Alipay!

Save some money every month, too!

After the salary is paid every month, I pay back the last month's Huabei money, and save all the rest, because I usually use the Internet to consume. And Huabei acts as a credit card, so it is generally difficult to use cash, I use Huabei to pay, and then pay back Huabei after the second month's salary, and save all the rest of the money, so I think it is very good.

The easiest way for me to save money is to buy a ledger and plan my daily expenses well, mark them clearly, and reduce some unnecessary expenses. I would ask myself regularly how much money I would put into my bank card, and over time, I would end up saving more and more money.

I am still more restrained when I save money, I may limit how much I can spend in a day? And then try to control, so that the money is controlled within this range, normal words are actually easy to hit, on the one hand, if I have a spare amount of money, I may also put it in **? Most of it will be in the form of cash, and then force yourself not to touch it, and overall, I think the effect is still okay.

My money is for my previous deposit, I have spent my current salary as early as three years ago, I spent more than 100,000 yuan in advance in order to buy what I wanted, credit card online loans, and now I have repaid it for three years and six months, totaling more than 120,000 yuan, and 30,000 yuan, and when I am finished, I will buy a house, and then I will slowly pay it back, and when I finish repaying, I will save a house.

You can go to the ATM deposit machine to deposit money, and the specific process is as follows:

1. Choose an ATM with a deposit function.

It is generally called an ATM (some ATMs do not have a deposit function).

2. According to the prompts, insert the bank card and enter the bank card password to enter the operation page.

3. After entering the operation page, you will be prompted to select the service item, and you can see that there is a deposit business on the page, click it.

4. According to the system prompt sound, put the folded banknotes into the deposit slot, and then click OK.

5. After completion, the system will prompt you to confirm the deposit amount, after confirming that it is correct, click OK to retrieve the card.

1. Put the money that you are about to spend in your savings account.

How to save money, whether we have income or not in a few months, we must ensure that the quality of life of our family does not change, such as health care expenses for the elderly, children's education expenses, daily life, etc. We need to plan this money into our savings account and use it whenever we need it.

2. The money that is not used temporarily will be placed in your treasury bonds and regular investment account.

Not using it for the time being means that you will need money for a period of time in the future, such as the tuition fee for your child to go to a key middle school in a few years, and the money for your child to go to college or study abroad in a few years. These funds must be prepared in advance, and a fixed investment plan of treasury bonds, ** or insurance can be drawn up, so as to achieve the goal of accumulating sand into a tower, which can also guarantee returns.

3. Put the money you don't need into your investment and wealth management account.

How to save the money that has not been used, this money can be used to make relatively profitable investments, such as doing business, engaging in industrial investment, buying stores, and so on. You can also enjoy the benefits of national policies, and you can get some additional benefits in the case of a good capital market, even if you have some losses, you don't have to worry about your family life being affected.

4. Put the money that must be used in the future into your insurance account.

It can be deposited into an insurance account to solve the risk problems of pension, serious illness and accident that people cannot determine in the future. Therefore, depositing money into an insurance account is a good choice for Funxiang.

Basically, part of my money is spent on children's education, most of it is saved, and I don't spend all my money.

So, how to distribute the money you usually earn and save it?

The first point and the simplest way is to pay wages every month, the first thing is to put one-third or more of the money to 50%, according to personal ability and habits, into a bank card, or a more stable fixed investment purchased by yourself**. In this way, you will control your desire to spend more.

The second point is the distribution of savings funds, which is a regular monthly savings. It is also possible to make an allocation, which can be to apply for a savings card. Save a portion of the money and die.

Choose a few fixed **, more stable ones, and put the rest of the savings into it. In this way, you can also lay eggs through **.

The third point is that the fixed deposit of the usual income, in addition to the income of the salary, there will also be additional income, so one-third of the additional income will not hesitate to put it into the savings fund.

Fourth, regularly checking the savings bills can help develop a good habit of saving, that is, to continuously enhance the sense of accomplishment of the New Year, you can regularly check how much money you have saved now. When you know that your money is increasing without filial piety, you will unconsciously spend less in life, and you will continue to think about working harder and saving more money.

Fifth, learn to delay consumption.

People often find that they don't like the things they buy on a whim. For example, if you suddenly see a beautiful and expensive dress on the Internet today, so you buy it immediately, but often when the goods are delivered, you will feel that the skirt is not sorry for it at all. This is known as impulse spending.

1. Go home every night and save all the change other than the integer multiple of 100 yuan on your body! For example, if you have 158 yuan on your body, you will save 58 yuan, and if you have 329 yuan, you will save 29 yuan, and only keep an integer multiple of 100 yuan. It is then directly thrown into a small box or drawer and locked up, which is effective.

2. In the 12 months of each year, a one-year fixed term is deposited every month. For example, after the salary in September is paid, you can save the money you can't use for a year after removing your one-month consumption budget and saving the money you can't use for the time being. In this way, in the second year, you will have a flexible income at your disposal every month.

Take it out when you need it urgently, and you can reinvest if you don't need it urgently.

3. How much money to save is adjusted according to your own situation, with more savings and less savings for those with less balances. It is recommended to set a goal on the total amount, and the amount target should be appropriate, do not break the file halfway, and do not use the money for other purposes halfway.

It's not particularly difficult to save money, as long as you can decide to be ruthless with yourself. The way I save money is more traditional, which is to set up automatic transfer of money to Yue Bao on the 20th of each month according to my salary and expenses every month. Of course, you can also deposit money in the bank.

Actually, I think the main trick to saving money is to be able to control your hands and not chop them. Otherwise, no matter how much you have a salary, you won't be able to save money. Of course, if you want to save money, you must have a purpose for saving money, and only after you have a purpose will you have the motivation to save money.

For me, the motivation to save money is to own a house of my own.

If you have a certain ability and have some understanding of financial products, I think it is better to buy some financial products than to throw money in. After all, if you keep your money in the bank, it will become worthless according to the current price increase.

Of course, the risk of buying wealth management products will be relatively large, but the interest will be a little higher. If you don't feel like you can afford to take the risk, don't try it. Just like me, I don't dare to touch those products.

That's the only way to choose this stupid method.

But in any case, we still have to have a certain amount of savings in life, so that when we encounter any emergencies, we can save the emergency. After all, in life, no one can always be smooth sailing, and there will be some difficulties to some extent.

I paid my salary, earned a foreign block and saved a fixed term or Yue Bao, change and other financial products, persisted for 5 or 6 years, got married last year, and installed a house with more than 20 w, the most important thing is to insist on and reduce unnecessary expenses and control my desires.

After receiving the salary every month, transfer it to Yue Bao, and then buy a fixed term, so that you can control your own buying, buying, buying, because the money is bought regularly and cannot be withdrawn.

I do these two jobs, one is the normal work of the company, I get 5,000 yuan a month, and the other is a side job to do advertising and media together, and I can earn about 10,000 yuan a month. Spend 5000, and the remaining 5000 can be saved directly.

Control your desire to buy and ask yourself if it's necessary to buy something before you buy something, so you will save a lot of money.

Keep your money in a card on a regular basis, and you don't use that card at all.

Gnaw the old