How to learn to save money and how to save money? 20

If you want to learn to save money, then you need to have a plan for your income and expenses.

You can divide your income into three parts, one part of which is used for living expenses, such as three meals a day, transportation expenses, social expenses, daily necessities and so on.

A portion of it is used for flexible deposits in case of emergency.

Part of it is used as a fixed deposit, which can be used for investment.

First of all, you need to be careful about your monthly expenses. Some meals for each meal, food for this money. Then you can take the rest of your money and manage it, and then you can save some of it.

When the salary is paid, remember to divide the money into five parts, one of which is to save it, and the other four to be used as rent; Cost of living; Learn; Honor your parents. In any case, the saved share is generally not touched by him, and the rest can be arranged appropriately and flexibly. The share that is saved can be deposited in the bank for a fixed time, or buy wealth management products to increase its value.

To save money, you must have a plan and perseverance, set a general framework, and then accumulate it over time.

For example, how much money you have to keep for a week is used as a reserve fund for the future, and it is deposited into the bank card regularly.

The first condition for saving money is to be clear about their usual income and expenditure situation, only to know their income and expenditure situation, in order to arrange the plan of saving money more reasonably, the simplest way is not to buy things that can not be bought, restrain their desire to shop.

You don't need to learn to save money, the key is that you have to learn to earn money, and you will only save money if you earn it. You have to go through step 1 before you can think about step 2.

Save some of the money you need every day, and save a little every day.

1. Deposit period: The user calculates the monthly expenditure and income status of the individual, formulates a monthly or weekly savings amount, and then puts the money into the bank to deposit the fixed term, the safety of funds and property, and the interest can also be obtained;

2. Agreed to redeposit: The user chooses to deposit the money in the bank on a regular basis, and promises with the bank that the savings will be automatically transferred after the expiration of the deadline, so that they can obtain an endless stream of interest in the form of compound interest;

3. Alternate deposit method: divide assets into multiple savings cycles.

1. Alternate storage: the user divides the money into two parts, one for half a year, one for one year and promises to automatically transfer the money, and the savings period from the straight limb to the half-year period can be changed to one-year savings after the expiration of the period, and then alternately stored, and in that way you can withdraw a one-year savings for half a year;

2. Compound interest and interest-bearing storage: the user chooses the method of depositing principal and withdrawing interest, until the savings reaches a certain period of time, when the bank pays the interest, the interest can be deposited into another deposit and withdrawal account;

3. Partial storage: users divide assets into multiple parts, each of which can choose to be deposited for one year, so that it can earn interest, and can also ensure that individuals have spare assets on hand when they have capital needs;

4. Ladder storage: The user divides the average value of assets into several parts, the first one is deposited for one year, and the second one is deposited for two years, so that one can choose to deposit again after each term, so that there can be a bank deposit certificate that expires every year;

5. The user takes out a part of the personal salary every month and deposits it in the bank for three months, and after three months, the user can have a fixed deposit every month.

Here's how to save moneyHere's how to save money:

Create a budget plan: Create a detailed budget plan that clarifies income and expenses and minimizes spending as much as possible, while also paying attention to savings.

Automated savings: A portion of your savings is automatically transferred to your savings account, so that you don't have to manually deposit money in the bank, and a certain amount is automatically deducted from the account every month and deposited into a savings account.

Debt management: For family members or individuals with debts, it is necessary to understand the type and amount of debt and prioritize the repayment of high-interest rate debts.

Reduce unnecessary expenses: When it comes to daily expenses such as shopping and travel, you can compare price and quality to find cheaper options.

Learn about financial literacy: Learn about financial literacy and learn about different types of investment and savings methods to improve your savings efficiency.

The question of whether young people should cut back or enjoy the moment depends on the individual's circumstances. For young people with families and debts, it is advisable to prioritize family finances, understand their own and their family's expenses and debts, and stick to a budget plan to reduce unnecessary spending as much as possible. At the same time, you should also consider future planning and eye-building trouser labels.

1.Make a budget plan.

Creating a budget plan is a very effective way to save money.

First, you need to understand your income and expenses, and then create a reasonable budget plan. When creating a budget plan, consider all expenses, including daily expenses, rent, utilities, transportation, and more. Once you've got your budget plan in place, stick to it and don't overspend.

2.Use wealth management products.

There are many wealth management products on the market now, such as currency**, fixed deposits, ** and so on. These wealth management products are relatively safe, and the income is relatively stable. If you have a certain amount of spare money, you can consider investing it in these financial products, which can not only increase your income, but also achieve the preservation and appreciation of your assets.

3.Reduce unnecessary overhead.

In daily life, we often have some unnecessary expenses, such as buying some unwanted things, eating some unhealthy food, etc. These expenses may not seem like much, but they can have a big impact on our finances in the long run. Therefore, we need to minimize these unnecessary expenses and spend them where it is more meaningful.

4.Save energy.

Saving energy not only protects the environment, but also helps us save money. For example, we can minimize the amount of time we spend using electrical appliances such as air conditioners and TVs, turn off lights that are not needed, and so on. This not only saves energy, but also reduces expenses such as electricity bills.

5.Purchase discounted items.

When purchasing goods, we have the option to purchase discounted items. For example, we can buy clothes, shoes and other daily necessities during the discount season, which can save money. In addition, we also have the option to buy some coupons, discount coupons, etc., which can also help us save money.

Deposit methods can be roughly divided into the following four types:1The first is the trapezoidal deposit method, which not only takes care of the liquidity of depositors, but also allows depositors to enjoy the benefits of long-term deposit interest.

Mainly, depositors divide the money into three parts. Deposit for one-year, two-year, and three-year periods, so that depositors have deposits due every year in the future. Wait until the depositor has completed the one-year deposit, and then deposit for two years, and so on.

In this way, you can enjoy the interest of a long-term fixed deposit, but also ensure that a sum of money will mature every year. This trapezoidal deposit method can not only ensure the liquidity of depositors, but also ensure that deposits obtain relatively high yields, which is favored by the majority of depositors.

2.Second, if you have a lot of funds in your hand (usually more than 20-300,000 yuan), you can deposit a large amount of deposit. In fact, the interest rate on three-year certificates of deposit is much higher than that on three-year time deposits.

Of course, if you hold a large certificate of deposit and need money urgently, you can use the large certificate of deposit as collateral to the bank and apply for a loan from the bank, so that you can borrow money from the bank without withdrawing the principal in advance. However, after all, you have to pay interest to borrow money from banks, so you must be cautious when using large deposits as collateral to borrow from banks.

3.The third is the monthly payment of interest, after the cancellation of the business of calculating interest by file, but now the deposit method of "monthly interest payment" has not been stopped. Usually "monthly interest payment" is that the depositor deposits all the money in the bank, usually for three years, and the bank will give you a sum of money every month, which is a bit like issuing a pension, and the depositor gets a stable interest income.

However, the interest rate of a monthly interest payment is definitely lower than that of a lump sum principal payment. There is also monthly interest paymentIf the depositor wants to withdraw the principal in advance, the interest paid by the bank on a monthly basis will be deducted from the principal, and the depositor's income must be counted as current.

4.Fourth, structured deposits, although they have not been completely stopped now, many banks are reducing the volume of such business. The so-called structured deposit is that the bank takes out part of the depositor's funds to invest in high-risk investment products such as foreign exchange, oil and so on.

If the investment is successful, the depositor can get a higher rate of return, but if the investment fails, the depositor's principal can be guaranteed not to be lost, but the loss in interest is unavoidable, or even only the principal. At present, this deposit method is being phased out from various banks.

1.Bookkeeping: This is a basic way to save money, that is, to record your income and expenses every day, analyze your spending habits and spending logic, make a reasonable budget, and avoid unnecessary expenses.

2.Automatic Deposit Method: Set up automatic transfer to automatically transfer a portion of your income to your savings account. That way, you won't forget or be tempted by other expenses, and keep your money safe.

3.Four-account savings method: This is a more systematic method of saving money, which is to divide all income into four accounts

Income Accounts, Living Accounts, Emergency Accounts, and Investment Accounts. After paying the salary every month, first transfer the fixed money to be spent to the living account, and save the remaining money into the emergency account until the emergency account is enough to cover the emergency fund for 6 months of life, and then transfer the excess money to the investment account for financial management.

4.Envelope Saving Method: This is a relatively intuitive way to save money, which is to prepare several envelopes, and write on each envelope the goal you want to achieve and the amount you need, such as traveling, buying a mobile phone, paying off debts, etc.

Then put a certain percentage of your income in an envelope each month until you reach your target amount.

Two. For young people, balancing frugality and enjoying the moment is a personal choice that depends on each person's values, goals, and current financial situation. Here are some suggestions to help you find a balance between the two:

1.Financial planning: Create a financial plan that includes both long-term and short-term goals. Determine your savings goals, investment goals, and spending budget, and manage your finances based on those goals.

2.Budget planning: Set a reasonable budget to make sure you have enough money for basic needs and a certain amount of budget for some special enjoyment or experience. This way you can enjoy the moment within your limited resources without overspending.

3.Financial Assessment: Assess your financial situation and future income prospects. If you're under financial pressure or have other important financial goals to consider, you may want to cut back in time to build a solid foundation for the future.

4.Austerity spending: Review your day-to-day expenses and find out where you can cut back.

Eliminate unnecessary subscriptions, reduce wasteful expenses, save energy, and more. By managing your expenses wisely, you can save some money for savings or investments while maintaining the necessary enjoyment.

5.Rational consumption: When enjoying the present moment, it is necessary to consume rationally. Make sure you really need and value the items or experiences you buy, and avoid overspending and impulse purchases.

6.Balancing mental health: Pay attention to your mental health and well-being. As important as saving and managing your finances are, it's also important to give yourself small rewards and enjoyment to maintain a good mindset and work-life balance.

In short, everyone's situation is different, so how to balance enjoyment and saving money is mainly about making sure that your decisions are in line with your values and long-term goals.

Here are a few tips for saving money:

1.Establish a monthly budget: Establish a monthly budget for the first part of the budget, and plan your living expenses rationally so that you can avoid unnecessary expenses.

2.Use automatic savings: You can set up an automatic savings plan in your bank account and transfer a fixed percentage of each income to your savings account, so that you can gradually develop a stable saving habit.

3.Don't consume blindly: Make the right consumption decisions according to your actual situation, and never consume blindly or excessively.

Young people should do a good job in financial planning, grasp the concept of consumption, weigh their economic situation and needs, moderate moderation, prudent financial management, and at the same time pay attention to enjoying the current life, actively exercise, work and socialize, and improve their overall quality.

Although people used to say "plan ahead", many people now live a life of "spending all their days and drinking all day".

In fact, young people can also save money unconsciously through some tips. For example, you can choose to use credit card cashback or points redemption, use public transport more, buy second-hand items, or cook your own meals instead of eating out. While enjoying the present, you can also save for your own future.

Make smart choices and don't put yourself in financial trouble by overspending.

Exercising consistently is a great way to develop self-discipline. Whether you're taking a simple walk or doing high-intensity training, exercise can help you build your ability to overcome difficulties and your will to persevere. By exercising consistently, you will gradually find that your physical fitness has improved, and at the same time, you can also improve your mental fitness.

Exercise can bring you a relaxing experience for your body and mind, and relaxation of your body and mind can in turn help you better focus on your life and choices.

So, even if you don't have the experience or motivation to exercise, it is recommended that you start small, stick to simple activities, and gradually increase your exercise to take control of your physical and mental health.