How to save better, how to increase bank savings deposits?

There are many ways and tools to save money, and applying the right method can help you achieve your goal of saving money more effectively.

1) 365-day savings method.

365 days shows the time of a year, and the 365 days savings method is played

Save $1 on the 1st day.

Save 2 days on the 2nd day.

Save 3 days on the 3rd day.

Save 364 yuan on the 364th day.

Save $365 on the 365th day.

The amount of money you save increases by one dollar every day, and you can save a total of one yuan over the course of a year.

66,795 yuan.

The gameplay is very simple, so it has been sought after by many people. At the beginning, it was easy to stick to it, after all, the amount of money per day is not large, and the more you get to the back, the greater the pressure, you have to save 300+ yuan a day, and you have to save tens of thousands of yuan a month.

So many people have played a lot of extended versions according to this 365-day savings plan.

For example: do not follow the order, and make the numbers 1-365 into a **, pick a number every day to save the corresponding amount, and then paint the color from the number in the **, when the whole ** is full, complete another 365 yuan savings plan.

For those who still feel very pressured to save more than 60,000 yuan a year, they will consider multiplying the amount of money they save every day, that is.

Save the yuan on the 1st day, save the day on the 2nd day, and save the ...... on the 3rd dayIn this way, you can save for a year.

Yuan, although the amount is not large, but the most important thing is to let yourself develop the habit of saving money.

2) 52 Week Savings Method.

The 52-week savings method is a simplified version of the 365-day savings method, where money is deposited once a week. Save $10 in the first week and increase by $10 every week thereafter. You can save 13,780 yuan in a year, which is relatively easy for many people in the workplace.

Of course, there are also workarounds, for example, you may predict that the beginning of the year will be looser, and the end of the year will be tighter, then you can start with a large amount of 520 and decrease in turn, so that you will feel more and more relaxed psychologically, so as to become more and more motivated.

3) Regular investment and savings method.

The regular investment method is to deposit a fixed amount of money into the same account within a certain period of time. Deposit once a week, every two weeks or every month, and the amount of money deposited is the same each time, the most common is **regular investment. The biggest advantage of this method is that it is more trouble-free and time-saving, and many software that saves money can be set up to automatically deduct money from the bank card, so you don't have to transfer money yourself, which is much more convenient.

But the sense of ritual may not be as strong as the first two.

Either way, it is actually to establish a correct concept of saving money for us, and to cultivate the behavior of saving money into a fixed habit. When you complete the task of saving money, you can reward yourself reasonably and motivate yourself to continue to start the next stage of the goal. Saving money may seem difficult, but when you get it right, it can be very easy and fun, so give it a try.

1.Learn about financial literacy and enrich your mind.

As the saying goes, "Don't fight the unprepared." Money management is a skill, and before we can actually commit to it, we need to know about it. We don't need to train ourselves to be financial experts, but we must have basic financial literacy, and have knowledge reserves when investing in financial management, so that we can filter out unreliable financial products and information more quickly.

2.Make a financial plan to eliminate excessive spending cravings.

Do you remember why you shopped online? How many people joined the online shopping army with the goal of "online shopping is cheaper than shopping in physical stores", but in the end, they couldn't control their own buying and buying, and became a "chopping party". Young people who have grown up in the context of economic stability will inevitably spend lavishly and do not have much awareness of planning expenses.

However, if you want to manage your finances, the prerequisite is to control your endless desire to spend. Items that can be bought or not, do not buy; Money that can be spent or not, not spent. To control excessive consumption desire, you can start by formulating a budget table for expenses, and implement it in strict accordance with the budget table every month, so as to accumulate a good foundation for the next financial management.

3.Do what you can, and put stability in financial management.

Investing in wealth management can certainly increase our income, but it also allows us to take on additional risks. Remember, there is no such thing as a low-risk, high-return product in this world, and the higher the return, the greater the risk. For the post-90s, they should avoid risks and seek stable investment, rather than high-risk and high-return products.

In addition, if you want to play investment and financial management, you not only need professional knowledge, but also idle funds outside the basic life and psychological preparation to be willing to gamble and lose, in short, you can do what you can. **Internet.

For example, if you have 50,000 yuan, should you go to the bank for financial management or save for a fixed term? In the past, I always thought that financial management must be high returns, but then I heard others say that because "there will always be higher than regular financial management".

You can save a small deposit and withdraw a whole amount, and save a few points every month, so that the amount of savings in a year is also considerable.

Forced savings, saving a part of the money every month, saving a fixed amount, such as a one-year period, then you start to have change every month after a year, if you feel that you save because you forget and other reasons, you can also Alipay the ant wish, every week, every month, every day, you can choose the cycle, so that you will save a lot of trouble.

1. Grasp the basic business and expand the source of savings such as payroll accounts and third-party depository business.

2. Grasp characteristic business. Because when customers handle most of the retail business, they must first handle an account, and then make a deposit, and then they can buy **, buy insurance, do foreign exchange trading, conduct ** transactions and other businesses through deposits. The practice of some outlets is not to focus on indicators, but to make a distinctive business highlight, through the characteristic business to pull deposits and other indicators.

3. Focus on high-end customers, pay close attention to the capital trends of high-end customers, implement details, and do a good job in customer maintenance.

1) Implement the job responsibilities of the account manager. According to the growing customer scale, the corresponding account manager team is dynamically equipped; Strengthen hierarchical and step-by-step training for account managers; Continuously improve the professional level of account managers and improve customer retention.

2) Layered maintenance. It is necessary to formulate customer hierarchical management standards and methods, and fully implement hierarchical management; It is necessary to set up a special maintenance team composed of the person in charge of the outlet and the account manager, timely transmit information and feedback, and provide specific professional service solutions for the needs of some important high-end customers.

4. Pay attention to service quality and emotional marketing. Win customers by improving service quality. Service is to give customers unexpected surprises, long-term service for the sake of customers, so that customers have "their own people" trust in you.

1.Set goals: First, set a clear goal for savings.

Break down your goal into monthly or weekly savings amounts and stick to them. 2.Establish a budget:

Create a detailed budget to know how much you're earning and spending. Make sure to use a portion of your income to save to achieve your goals. 3.

Autopay: Automatically transfer a portion of your earnings to your savings account. This way, even when you're spending money, you'll be able to make sure that a portion of your income is spent on savings.

4.Use cash: Try to pay in cash to reduce the use of credit and debit cards.

This can help you reduce impulse spending and help you better control your spending. 5.Frugal living:

Try to be frugal without compromising your quality of life. For example, there is the option to cook your own meals instead of eating out; Use public transport instead of a private car. 6.

Reduce waste: Use items wisely and avoid waste. You can reduce the need to buy new items by patching, sharing, or donating.

7.Shopping list: Make a list of what you need before you shop to reduce unnecessary spending.

8.Shopping Discounts: Take advantage of events or discounts to buy what you need to reduce your spending.

10.Be patient: Saving is a long-term process that takes time and consistent effort.

Be patient and don't give up because of short-term setbacks. As for whether young people should cut back or enjoy the moment, it depends on personal values and life goals. Some people believe that one should strive to accumulate wealth and experience when young, while others believe that one should focus on the quality of life in the moment.

The key is to find a balance that works for you in order to achieve personal growth and well-being.

How much you save is a very personal issue that depends on each person's income, expenses, and financial goals. However, based on the advice of a number of economists and financial experts, in general, the following aspects can be considered:

Emergency Reserve: It is recommended to save 20%-30% of your income as an emergency reserve fund in case of emergencies such as loss of work, car accident or sudden illness. The reserve should be stored in an easy-to-use bank account that can be used quickly when needed.

Retirement**: Some economists recommend starting to save for retirement at a young age** as it allows your money to grow longer. It is advisable to save around 10% -15% of your income.

Long-term goal savings: If you have a long-term goal, such as buying a house, investing, etc., you can choose some of your existing budget to save for long-term goals.

Just starting out: When you're just starting out, it's a good idea to put 20% -30% of your income into an emergency reserve account and pay off any loan sharks or credit card debts as much as possible.

Build urgency**: When your urgency** reaches 3-6 times your income, you can start thinking about other types of savings goals.

Pension**: After establishing an emergency**, start saving for retirement**. It is advisable to save around 10% -15% of your income.

If your employer offers a 401k plan or other pension plan, consider maximizing your contribution to get matching funds from your employer.

Some economists and financial experts suggest that migrant workers should consider saving 20%-30% of their income as an emergency reserve. This reserve can be used in case of emergencies, such as loss of work, car accidents, or sudden illness. It is advisable to store the reserve funds in an easy-to-use bank account that can be used quickly when needed.

In addition to a reserve fund, consider investing and saving in other areas, such as buying a home or retirement**, as well as liquidity investments that will yield income in an emergency. However, these decisions should be made based on the individual's circumstances and financial goals, so it's best to consult with a professional to create a savings plan that's best for you.

In my opinion, the amount of money you have saved is not the only factor that gives you a sense of security. The sense of security also includes many factors such as job stability, health status, living environment, etc. But when it comes to deposits, I think the following points are something to consider:

1.Ratio of monthly expenses to savings.

First, you need to calculate your monthly expenses and then create a savings plan. In general, it is recommended to spend around 20% of your monthly income on savings. At the same time, taking into account the emergence of an emergency, it is advisable to set aside a certain "reserve" in the savings plan.

2.Family situation and living environment.

Family circumstances and living environment will also affect Zheng Za's personal savings needs. If you have a family that needs to be supported, or if you have an unstable living environment, it is recommended to save a higher percentage.

3.Career stability.

In general, it is advisable to have a certain amount of savings for everyone to cope with unexpected situations in life. The exact amount of savings needs to be determined on a case-by-case basis.

The so-called "accumulating a small amount into a lot, gathering sand into a tower" saving is a good habit that is harmless to all benefits. However, in this era of advanced technology, fewer and fewer people are developing the habit of saving. Our beloved Prime Minister has said:

As long as you save some money a day, it will become a considerable amount of money over time. "What are the benefits of saving?

First, saving is a shed virtue. As the saying goes: Give you a million, it's better to give you a good habit Saving will make us develop a good habit of frugality. Whenever we buy something, we think twice and don't spend it on the ground.

The so-called "prevention is better than **", and the money saved can also be used to meet the needs of emergencies. When an accident occurs, we can use the money to deal with difficulties and solve urgent needs. For example:

When we get sick, we can use the money to **.

I often hear people say: "Rely on your parents at home, rely on yourself when you go out", we can rely on the money we have saved to help ourselves go to school. When we go to school, we can buy all kinds of reference books by ourselves, because there is a ** house in the book.

In this way, we can also alleviate the parents' burden'Burden. At the same time, our results will improve by leaps and bounds.

As the saying goes, "Do good deeds without being left behind", we can also use the money we have saved to do good deeds. Recently, we have heard of frequent natural disasters that have claimed the lives of tens of thousands of people.

So we have to do good deeds and donate a part of the money to the victims. For example, we can donate money to orphanages, old people's homes, etc., to help them get through the difficult times.

Saving really comes with a myriad of benefits. Therefore, everyone must have perseverance to cultivate the good habit of saving, rather than a sudden cold. In addition, we should inject this good habit into children, because they are the future pillars of the country and the future masters.