Personal experience of saving money

I believe that many people are like me and want to save money, but spending money is like flowing water. I have tried many methods. Today I will talk about the saving method I have used!

1. Change in lump sum method:

Features: Have a daily sense of saving money, and see that the physical money increases every day.

I have a piggy banker at home. Every time I go home, no matter how much change I have, I throw it directly into it. After a period of time, it is still quite impressive. I took more than 2,000 yuan last time when I opened the bank. Banks are a bit of a hassle... but I still go to the supermarket to exchange my money for banknotes.

I personally like this method very much, because I am the kind of person who only likes to bring money when I go out. If I don't bring change, I just throw the change into the pig without thinking when I go home. I actually look forward to it every time I go home. Thinking that the deposit has increased again, watching the pig become more and more full is really satisfying my sense of accomplishment, and the day I opened the pig was also full of excitement.

2. Regular quota method:

Features: Set once to lie down, overcome human nature.

I think this trick is especially suitable for the moonlight family. Set a certain amount and deduct the money immediately after receiving the salary. I also like to use it as a mandatory savings. The deduction can be used for investment projects such as stocks, funds, bonds and so on. Recently, ETFs are very popular. , I use it myself, although it is only a petty bourgeoisie and the amount is not much, it is simple and practical, but pay attention, sometimes you may just buy the market high point, I will pay attention to the market a little bit, when the price is high, I will The deposit may be revised slightly, otherwise, the deposit amount will be increased.

3. High Survival Online Banking:

Features: Low risk, survival greatly increases the liquidity of funds, and at the same time can get high interest.

This is also one of my favorite projects. I don't have to do anything, just leave it alone, and the interest rate is high. It's really cool. I personally use the future bank, line bank, and bankee.

Since the amount is relatively small, it is about 5-10W, so I will open a little more and let the emergency reserve fund in, at least it is better than putting it in the post office. In addition, online banking usually provides high-frequency transfer fee-free transfers, which is really practical. .

The above are the methods of saving money that I like and have been using to this day. Investment relies on regular fixed amounts; cash is placed in online banking; Not fast, but I'm fine. Hope it helps everyone.

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