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

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.

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.

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.

Improve work efficiency and 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 improve yourself, so over time, if your self-worth is not improved, it will be difficult to make a breakthrough in your future income.

Side hustle income: If we choose to do a side hustle, it is mainly considered from two aspects. One is to make easy money and not waste time and energy, so why not do it without us paying anything?

However, if it is a side hustle that consumes a lot of time and energy, we should try to choose a side hustle that can improve our abilities, so that the time and energy we put in will be more valuable.

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.