Saving money is now the most common way to manage money in our daily life, generally speaking, as long as there is spare money, everyone wants to put money in the bank and get stable interest. So, how do you save money?
How can I save money?
Some people want to save money but can't save it, mainly because they haven't found a better way to save money. If that's the case, here are a few ways to save money.
1. 333 Savings Method
This method of saving money is to divide the funds received each month into three equal parts.
For example, if we office workers, assuming that the monthly salary is 6,000, then we can divide it into three parts of 2,000 yuan, one for savings, the second for daily consumption and necessary living expenses, and the last for investment and financial management.
This method of saving money needs to be noted that after the salary, it is recommended to save first, rather than spending first, which can also greatly increase the principal of saving money and increase interest income, and must save 1/3 of it first, and then arrange the other 2/3, which can play a role in compulsory savings.
2. 1234 Savings Law
That is, the existing funds are divided into four parts, and the proportions are 10%, 20%, 30%, and 40% respectively.
Among them, 10% of the funds are used for the money to be spent recently, 20% of the funds are used for security expenditures, such as medical insurance, insurance, etc., 30% of the funds are used for investment and financial management, so that money can make money, and 40% of the funds are used for education or pension, such as education funds, increased whole life, etc., which can also achieve the purpose of long-term savings.
Note that when you have a spare amount of money, you should first plan the necessary expenses, and then use part of the funds for investment and financial management to prevent early withdrawal.
3. 12 Certificate of Deposit Method
If you have a fixed income every month, then it is recommended to spend 30%-40% of the fixed income funds every month for time deposits, and stick to it for 12 months, then from the first month of the second year, there will be a fixed deposit due every month.
With this way of saving, the first month's money matures in the 13th month, if you don't use it, you can continue to deposit the fixed amount, the second month's money expires in the 14th month, you can continue to deposit if you don't use it, and so on, it is equivalent to the interest of the fixed deposit, and you can also have a deposit maturity every month to ensure the liquidity of the deposit.
4. 365-day savings method
This method of saving money is to deposit the corresponding amount every day for a year, starting from the first day of the new year until the 365th day. For example, if you deposit 1 yuan on the first day, 2 yuan on the second day、、、 365 yuan on the 365th day, and cross out the corresponding number of days after each deposit. In this way, after the 365th day of saving, the investor can have a deposit of 99,795 yuan.
5. 52 weeks savings method
Start to deposit 10 yuan in the first week (the amount is not specified, you can deposit according to the actual situation), deposit 20 yuan in the second week, deposit 30 yuan in the third week, etc., and so on, insist on 52 weeks, so that after 52 weeks of saving, investors can get a deposit of 13,780 yuan.
6. Ladder deposit method
For example, if you have 100,000 yuan of spare money, divide it into 3 parts, 20,000, 30,000 and 50,000 respectively, and deposit them into one-year, two-year and three-year fixed deposits respectively.
In this way, after the maturity of the one-year fixed deposit, if the funds are still idle, then it will be converted into a five-year fixed deposit, and so on, which is equivalent to a three-year fixed deposit after three years.
Are there any of these 6 ways to save money that are suitable for everyone?