How do newcomers in the workplace save the "first pot of gold"?

If you want to manage your money, do you look for high-yield investment channels everywhere, or do you save the "first bucket of gold" in a down-to-earth manner? The latter scheme is the safest. In the world of financial management, compound interest is powerful, but the principal is the stepping stone. How to easily and efficiently change from "Moonlight Clan" to "Moon Remnant Clan", in fact, there are many clever tricks.

Save an extra $10 a week

The 52-week money deposit method, the full name is the 52-week step-by-step money deposit method, is very practical. Specifically, people who save money should save 10 yuan more per week than the previous week in 52 weeks of the year. For example, the first week saved 10 yuan, the second week deposited 20 yuan, the third week deposited 30 yuan, until the 52nd week deposit 520 yuan.

How much money will this cost in a year? 13780 yuan. Although the starting amount is only 10 yuan, it can save nearly 14,000 yuan a year.

Of course, the starting amount and the incremental amount can also be revised according to the actual situation of the individual. If you save from 100 yuan, you can save 18460 yuan a year; you can also save from 10 yuan, and save 20 yuan more every week, so that you need to save 1030 yuan in the last week, and you can save a total of 27040 yuan on 52 Mondays.

You can also do the opposite, save a large amount first, reduce it every week, so that the total amount of money saved is still more and more, but the pressure to save money is getting smaller and smaller.

The 52-week saving method, that is, 52 small goals, the order of completion of the goals is not important, it is important to complete within the specified time. Financial managers who are interested in trying the 52-week savings method can make a savings challenge table and tick the corresponding "complete" space for each deposit to show encouragement.

Save a sum of money every month

Xiao Wang, who has just started working, will have a more or less balance on his monthly salary card. She knows that the interest rate of time deposits is higher than that of demand, and the longer the maturity, the higher the maturity, so she likes to put the money saved over several months into a larger amount and save a two- or three-year regular deposit.

Ningbo Bank wealth management experts pointed out that if you have not needed to move this money, this kind of saving habit is not bad. However, in the event that the term is not complete and the money is urgently needed, even if it is only one day, the entire fixed deposit can only be calculated at the current interest rate, and the loss is very large.

For example, if you deposit $10,000 in the form of a full deposit and a term deposit for two years, the interest rate at a higher level in the market is 2.52%, and the interest received after two years is 504 yuan.

If you have an urgent need to use money, just withdraw one day in advance, all deposits will be calculated according to the demand deposit interest rate of 0.3%, 10,000 yuan of interest is only 60 yuan. 504 yuan - 60 yuan = 444 yuan. For two whole years, because of this difference in the day, hundreds of yuan less income.

If you don't want to cause too much loss of income, you need to be flexible in terms of deposit time. For example, the twelve certificates of deposit method is adopted, and some people call it the monthly certificate of deposit method.

This is done by depositing a one-year term deposit with a fixed or irregular amount each month, so that you will have 12 certificates of deposit in your hand at the end of the year. After the expiration of the first certificate of deposit in the first year, if it does not need to be used, the money in the hand at that time can be deposited together with the money of the maturity certificate of deposit for another year.

This method requires saving a sum of money every month for the same term, but the time of expiration is one month apart. Depositors always have 12 certificates of deposit on hand, and when there is an emergency, they will take the certificate of deposit that will expire recently, and the rest of the certificates of deposit will remain unchanged. This not only solves the need for urgent money, but also does not lose much interest.

The cycle period of 12 certificates of deposit is one year, and if you want to obtain higher returns, you can also extend the cycle period to two or three years, and by year and so on, hold 24 or 36 certificates of deposit.

Regularly set a quota to complete small goals of saving money

If you don't like to save money regularly every month and week, and feel that it is too troublesome, you can also set a specific amount of money saving goal, and then use the Internet platform or the saving tool provided by the bank to automatically deduct money to help you complete the predetermined goal. At present, the mainstream financial tools in the market basically use the method of regular fixed investment in monetary funds.

Not long ago, Yu'e Bao released the "small trend of saving money after 00". The data shows that in the first half of 2021, the average number of monthly savings in the balance treasure of each post-00s is 6 times. The "Ant Star Wish" in the balance treasure has become a saving tool loved by the post-00s, and a total of 850,000 post-00s users have used this tool to help them achieve their saving goals.

In "Ant Star Wish", you can set a wish to save money, such as saving 2,000 yuan to buy a New Year gift for your parents, and then insist on saving money for this purpose, actively saving or automatically saving.

For automatic saving, "Ant Star Wish" will deduct the specified amount from the designated payment channel according to the target amount and transfer period set by the user, and lock the saved funds in the balance treasure.

Each time you save the money of ant star wish, it is equivalent to buying a monetary fund provided by the fund company, unless the user realizes or actively terminates the star wish, the star wish fund can be withdrawn.

The Beijing Youth Daily reporter found that Tencent Wealth Management's salary management can also set a deduction plan, regularly buy monetary funds in a fixed amount, and help everyone achieve their saving goals.

As of the time of the Beiqing Daily reporter's release, the seven-day annualized yield of the monetary fund exceeded 2%, while the interest rate of most bank demand deposits was only 0.3%, and the one-year fixed deposit interest rate was only 1.75%. In contrast, saving money in the form of a fixed delivery base has a higher yield.

Let the interest also make money

The above methods of saving money all focus on the safety of the principal, and the risk and yield are relatively low. If you have saved a certain amount of time and have some accumulation, you can also try the profit saving method, that is, take out the proceeds of the principal financial management to invest. At this time, you can try investment channels with higher risks and returns, even if there is a loss, it will not hurt the principal.

For example, after saving 50,000 yuan, you can consider using this money to buy a month's bank wealth management, calculated at an annualized rate of return of 3.5%, the monthly income can be about 145 yuan, and this money can be invested in a partial stock fund. If you invest in the same fund every month, you will make a fund investment plan relative to the income of financial management, and there will be a lot of income in the long run.

This method of saving money not only allows the principal to obtain income through steady financial management, but also allows this income to win higher returns through other investments and achieve "profit rolling profits".

A trick to save money

Cargo-based fixed delivery

Set a target amount and the Savings Tool automatically deducts regular fixed amounts.

Twelve Certificates of Deposit Method

Every month, take out a fixed or irregular amount, deposit a one-year term deposit, and you will have 12 certificates of deposit in your hand at the end of the year.

52 Weeks Save Money

10 yuan start-up capital, 10 yuan more per week, a year can deposit 13780 yuan.

Expert opinion

Wealth management is important

Xue Hongyan, vice president of Suning Institute of Finance and economics columnist, pointed out that there are two elements of financial management: principal and income, everyone often pays too much attention to the high and low yields, tirelessly looks for high-yield products, inadvertently, but ignores the importance of principal.

"For the vast majority of people, it is good to know whether you can manage money or not, the yield can be 5% difference is not bad, let's see how the 5% difference will change your life." 」 For example, Xue Hongyan said that the principal is 10,000 yuan, the yield difference is 5%, the annual income can be 500 yuan, can not improve life; the principal of 100,000 yuan, a year can be a difference of 5,000 yuan, still can not change life; when the principal reaches 1 million yuan, a year can be a difference of 50,000 yuan, ordinary people will feel that they can use this money to improve their lives. But for those who own this million assets, this 50,000 yuan still can't change anything. Those who think they can improve their lives do not have a million principal, and the 5% yield only brings a difference of 500 or 5000 yuan for them.

This group of articles / reporter Cheng Jie