What should I do if I can t save money? I can t save money, what should I do?

Open source to earn money: This is mainly for some groups with low wages and few left after satisfying some daily life consumption. In this case, we will first consider how to increase revenue.

Boost productivity.

Increase the income of the main business: Although we are diligent and hard at work, if we do not find the right method and use skills, we fall into blind diligence, it is just an inefficient waste of time. It's better to learn some ways to be more productive, and then we can spend more time enriching ourselves.

Choose higher-value jobs: At present, many jobs are very cost-effective, mainly using manual labor and time to earn income, such as delivery and food delivery. This time is used to make money, and then there is no time and energy to use to improve yourself, then over time, self-worth.

If it is not improved, it will be difficult to make a breakthrough in future income.

Save money and save money: This is mainly for some groups with good income, but higher expenses. Especially nowadays, everyone's consumption concept has changed, and they will be more willing to spend money in several aspects of clothing, food, housing, transportation, eating, drinking and playing.

So when our income arrives, it is the highlight moment of consumption.

Therefore, it is particularly important to reduce consumption and force savings.

Reducing consumption: Specifically, we can divide goods into these categories: must-buy, to-buy, and want to buy. Necessities are essential expenses, including rent, utilities, meals, transportation, etc.

Forced savings: It's better to save after payroll, rather than storing the money that is left over after spending. For people who can't save money, they generally have little to no savings after spending. Here is an introduction to one of our asset allocations.

Method: Standard & Poor's.

Family Configuration Quadrant.

figure, we can click on the relevant links to learn more.

Because you spend too much, or you earn too little and don't spend enough.

Marxism holds that interest is essentially a part of profit, a transformed form of surplus value. Money itself does not create money, it does not increase in value on its own, and it is only when the functional capitalist buys the means of production and labor with money that he can create surplus value in the process of production by employing the labor of workers. The money capitalists, on the other hand, share the surplus value with the functional capitalists by virtue of their ownership of capital.

What should I do if I can't save money?

1.Mobile phone credit cards are used for some people who lack self-control and overall planning, and credit cards can only make their own debts more and more, and people don't feel that they have paid off their debts with a month's salary, and the money they have saved. Therefore, the first step becomes to regulate a de-circulation of money.

Stay. 2. The overall plan divides the user's monthly income into three or four meals, and the meal ratio can be divided into the specific conditions of a domain, which part of which is used as a fixed deposit.

3.Invest to learn some professional knowledge of investment and financial investment, and choose some stable and reliable financial products for investment. It is necessary to learn to manage money, learn to invest and make reasonable arrangements.

4.Throttling: For some investors with low monthly salaries, they should pay attention to their personal roar, and they will buy you products, buy things, buy things to eat, consume, etc. Just don't spend money indiscriminately.

5.Kaiyuan users do some side jobs in the form of non-form, or take the initiative to strive for promotions and salary increases in their own work.

6.It is agreed that the user chooses to deposit the money in the bank on time, and promises to the bank that the savings will be automatically rolled over after the expiration of the savings period, so that they can obtain an endless stream of interest in the form of interest interest.

The first step of saving money: start bookkeeping, the main role of bookkeeping is to help us understand our own consumption tendencies and the flow of funds, so as to screen out some unnecessary or large proportion of consumption, reduce these consumption, can effectively reduce their own expenses. Step 2 of saving money:

What should I do if I reduce early consumption of Huabei, credit cards, etc., and many friends always can't save money? One of the main reasons may be that they are deeply involved in online advanced consumption, in addition to Huabei and credit cards, some friends will also take out online loans and consume a large amount of advanced consumption, which makes consumption and income unequal. Appropriately reducing this type of consumption can effectively reduce consumption pressure.

The third step of saving money: change consumption habits If you want to save money, the most important thing is to adjust your consumption habits, only by fundamentally changing, you can accumulate more wealth, change your consumption habits, buy practical, versatile goods, personal enjoyment behavior should not be too much, self-restraint. You can set monthly investment and financial management goals, according to your own income, deduct a part of the financial management funds first, and then go to consumption, so that on the one hand, you can effectively control your own consumption, and on the other hand, you can form good financial habits.

The type of financial management here will not be explained in detail, and it is generally selected according to its own risk-expected return preference.

It is necessary to have a plan to live within your means, list the expenses that must be used, such as communication expenses, transportation expenses, living expenses, travel expenses, etc., how much is in total, and set aside these expenses after paying salaries, so as to have a flexible situation, and save the rest, resolutely do not move, after several times of moderation, you will develop the habit of saving, and you will naturally save.

You can save it in Alipay and do it regularly.

Compulsively control yourself and set a small plan for yourself.

If you've been forcing yourself to save money to the point where you're in trouble, you may want to consider whether there is some financial trauma associated with savings, or other financial factors.

Although most people are financially traumatized about saving money, there is no way to save money. However, the analysis of economic trauma may give the subject some inspiration.

First of all, I will ask you to write a number that makes you feel safe. When you're done with this section, you go back and look at the amount of your current deposit, look at the number of your current deposit, and say to yourself, "How much do I have now, it's not enough."

Try to say that this sentence is yes, what kind of stories and memories do you have.

Sometimes we find that some people have all kinds of emotions, for example, the most common thing we do is shame, discomfort, and anger. Some people may experience feelings of sadness, but this may not be very common. Because feelings of sadness may be accompanied by many other feelings, more people may feel frightened or feel like their hearts are beating a little, or they feel afraid to look at it.

There are also people who feel that their minds go blank and then resist to continue thinking about it, and that's okay. Because we will know that when we deal with our financial situation, there are all kinds of emotions and feelings that come out, and these emotions and feelings are actually what we are looking for.

If we do this exercise, we have all sorts of uncomfortable feelings. These feelings are what we have to deal with, because it is these feelings that arise in this place that we have no way to delve into the relationship between me and money, so that my brain instinctively rejects money elsewhere.

The same principle will also be applied to your attitude towards your relationship, your attitude towards your family, and your attitude towards your career.

It may not be planned, you can use it separately, part of it is saved, part of it is used for commuting, part of it is used for living expenses such as shopping, snacks, dinners, Internet fees, and the cost of three meals a day, and part of it is invested.

Give yourself three accounts, and put them in three separate accounts after each time you send money:

1. Cash flow account, payable monthly daily expenses, monthly hard expenses are taken out and deposited first, such as ** fees, Internet fees, rent, etc.

2. Investment account Since your income is not high, this part of the money can be kept by your parents first, so that they can save a fixed term or buy treasury bonds every 10,000 yuan. Invest later to ensure that your wealth grows.

3. Guarantee medical account: buy a commercial insurance and pay fees regularly, because the insurance assets are basically equivalent to long-term locks in the insurance company, and will only be taken out in case of accidents or illnesses, so it is more targeted.

If you can't save money, you may earn less, and you may spend more. You can make a plan to keep what you have to buy and leave the rest at all.

If you can't save money, give it to someone else to help you save it.

Hello! If you can't save money, it may be that you earn too little money, or you don't have a plan.

Forced savings! Every month, make a budget first, how much money will be spent this month, and confirm what you need to spend. Set it aside, and as soon as the salary arrives, deposit the rest of the money in another card and save it. Don't use it.

No matter how much money you have, it will run out if you don't plan to use it, so you should plan and arrange everything, so that you can save money and use it in a hurry.

Be diligent and thrifty, and refrain from consumption.

Young people must be diligent and thrifty and restrain their desire to consume. Nowadays, many young people want to be able to live a good life with colorful colors and spend money freely. But in fact, my salary is spent without restraint, and I spend it casually, and I don't know what I bought.

As a young person, you should also take a long-term view, you must be diligent and thrifty, restrain your desire to consume, and try to save some money every month, which is the right model.

Put an end to advanced consumption.

Many young people not only can't save money, but also often spend ahead of time, which is even more unacceptable. As a young person, we must put an end to advanced consumption and try not to use credit card consumption, only in this way can we control our consumption desires, and let ourselves better control our consumption desires, so that we can save some money every month.

I think that the more deposits, the more security, everyone will not dislike the deposit, for me, more than 1 million deposits will have a sense of security.

When you save more and more money, you can consider a large deposit, the deposit interest rate of a large deposit will be higher than that of ordinary deposits, so that it is more cost-effective to save and earn more interest money, but it should be noted that the liquidity of fixed deposits is not good.

When saving money, it is best to save as long as the funds are not used, and there should be a reasonable plan for the funds to avoid the possibility of early withdrawal, if you take out in advance, you will lose interest money, because the fixed deposit is withdrawn in advance, and the interest will be calculated according to the current account.

Is there any interest on all deposits placed in the current account?

Deposits are all placed in the current account with interest, but the interest money is relatively small, for a simple example: suppose the depositor puts 10,000 yuan into the bank demand, the deposit time is one year, and the bank demand deposit interest rate is, then the interest that can be earned in a year is 10,000 * yuan, and the interest is very little.

If the same amount, assuming a one-year deposit period, the one-year deposit interest rate is, then the interest that can be earned at the end of one year is 10,000 * yuan, and the interest earned is more than that of the current account, but the term is one year, and the interest is different, and we can compare the difference. Saving money can also provide future growth opportunities for individuals and families. In the process of personal and family development, the flow and movement of funds are very frequent.

For example, education, the purchase of real estate, investment, etc., all need sufficient financial support. If we have enough savings, we will be able to achieve these development goals more easily, without the lack of funds affecting our own development and the standard of living of our families.

Finally, saving money can sometimes improve our investment and spending power. With deposits, we can arrange our funds more flexibly, such as buying high-value commodities and investing in high-yield financial products, so as to improve their ability to consume and invest. Saving money can also be used as a way to protect against risks and prevent individuals or families from falling into trouble due to a recession.

I don't have a lot of money saved, about 100,000 yuan, but my sense of security is very high, because money is not earned, but saved. My monthly salary, except for daily expenses, is all in the dust.

I used to like to buy bags, but now I rarely buy duandu, because I don't think it's necessary, and if I buy it, a month's deposit will not be enough. Moreover, I feel that my ability to make money and hold the chakra core is limited, so there is no need to consume, which will only lead to a dead loop.

For example, if this month's salary is 5,000 yuan, I will save 3,000 yuan, and the other 1,000 yuan will be used for living expenses, such as: eating, buying clothes, etc. The remaining 300 yuan will be used for investment and financial management.

Many people say: it is difficult to save money, especially for women, it is even more difficult. In fact, saving money is not so difficult, the key is to have the right financial concept. If you can develop good financial habits, then you will get closer and closer to success.