1, 12 single savings method - relay savings
In practice, you can deduct living expenses from your salary every month, and all other money is directly deposited in a 1-year bank fixed term, sticking to 12 months. This way, in the next year, there will be 1 fixed term maturing every month.
This kind of mandatory savings is more meaningful and keeps the deposit properly liquid.
2, the bank fixed deposit
This is better understood, that is, at a fixed time, in the bank savings fixed amount. Long-term persistence, there will be a considerable amount of income.
3, rolling interest savings method
This method of saving money will be a combination of interest and principal, interest and principal at the same time to harvest interest method.
First of all, the money will be deposited, the maturity of the interest and principal out, and then the interest and principal into the account of the zero deposit. This type of interest begets interest, and in the long run, you'll find yourself handsomely rewarded.
4, alternate savings method
Alternate savings method is a relatively simple method of saving money, it will be divided into two parts of the existing funds, and then divided into two cycles of storage: half a year, one year period. After six months, change the six-month period to one year. Then the two one-year bills are set up as automatic rollovers for alternate storage. After six months there will be a one-year deposit to take, and you will have some extra money in hand for emergencies.
5, agreed to automatically transfer deposits
Agreed with the bank, the money in the current account will be automatically transferred to fixed-term deposits. For example, if you are paid 5K on the 10th of each month, but your monthly expenses are only 3K, that's 2K more, you can go to the bank and make an agreement to transfer your money automatically.
6, by weekly savings
The first method: 100 yuan week
As the name suggests, it is a week of consumption of 100 yuan. During the working day, all of the spending is added up and kept within 100 dollars, and the rest of the money is saved. This method is more demanding and requires a certain amount of self-control, and for some people, sticking to it may be harder and their quality of life will suffer.
The second method: the 52-week savings challenge
This is a method of mandatory savings, and is very suitable for moonlighters, choppers and other people who can't save money. It's also a way to build up your pocket money so that it can be put to greater use by accumulating small amounts of money into sand.
Save $10 in the first week, $20 in the second, $30 in the third ......
Save $520 in week 52. And so on, you can save $13,780 a year.
7, separate savings
If you have a relatively large amount of money in your hands, you want to deposit it in the bank, but there may be a temporary emergency. What to do? You can choose to save separately. If you have 100,000 dollars, divided into three parts: 20,000, 30,000, 50,000 three certificates of deposit, and then they are all deposited into a one-year term deposit.
Whenever you need the money within a year, you can take out the certificate that is close to the amount you need.
8, 365 days savings method
365 savings method, as the name suggests, is to save money by the day, this method is the real accumulation of day to day.
This method looks very simple, there are 365 days a year, the first day to save 1 yuan, the second day to save 2 yuan, the third day to save 3 yuan
and so on ----
A year down, you can save up to 66,795 yuan
The fact is that a lot of people who can not save the money, are generally the first to consume the money after the deposit, each month, the salary of a bill, eat, drink and have fun less than A month found to become a moonlighter. Therefore, the most important thing before saving money is mandatory savings, a part of the money forced to save up, do not use as a last resort.
At the same time, saving money is more of a cumulative process, however, as long as you get through the beginning of the painful period, you will find that saving money is really a very interesting thing! Most importantly, the rewards are many.