At present, savings are still the main ways of civil investment and financial management. So what can I make the family effectively increase savings? Experts summarize a few posts "wonderful":
Planning savings law
After the family members receive a monthly salary, leave the necessary living expenses and expenses in the month, and then select the excess money to select the appropriate savings variety into the bank. This reduces many of the random expenditures, making daily economic expenditures.
2. Saving savings
Pay attention to savings, reduce unnecessary expenses, such as quit smoking and drink, do not enter high-grade dance hall, do not buy luxury goods and idle goods, eliminate all high-end consumption, free consumption, and harmful consumption, use savings to participate in savings.
3. Increation savings law
In daily life, if you encounter a salary, winning, reward, friendship, friendship and other temporary revenue, the right to increase income, and save these income money in time.
4. Monthly savings law
Also known as the 12-way bank savings law is to divide the family residual funds into 12 copies, and the annual regular savings in each month will be deposited by the amount of deposits. Each of the deposits will expire each time, and even this residence is transferred to the next annual savings period. In this way, there will be a deposit order during the year. Once the family urgently needs money, only one of the most recent deadlines, and all the deposits are used to reduce interest loss.
5. Quarterly Storage
If there is 10,000 yuan at home, it can be divided into 4 scheduled deposits. Each deposit should pay attention to the shape of the ladder, to accommodate the different amounts of the urgent need, so that 10,000 yuan is 1000 yuan, 2000 yuan, 3,000 yuan, respectively. 4,000 yuan 4 one year period regular deposit order. Such a deposit method, if you need to use 2,000 yuan within a year, you only need to support the deposit of 2,000 yuan, avoiding the amount of small amounts to be taken to use "big" deposits, reducing unnecessary interest losses.
6. Safe SGR
If the family is ready to add a high-grade durable consumer goods or other precious items, if the item is not urgent, or the practical value is not high, it can be bought again in the past, first temporarily deposit this money into the bank. After the fashion, the price of commodity will inevitably fall, and you can buy cheap goods.
