The poor are poor, the rich are rich

Chapter 48 1 Daily savings, tips for you

Chapter 10 Playing with the bank - the bank is not just a piggy bank

Chapter 101 daily savings, tips for you

What's the first thing on your mind whenever you get your paycheck?Is it a quick trip to the store?Or are you saving in a planned way for your own goals?Reading the following stories may give you some useful inspiration.

Liang Jiazhi is an ordinary text reporter for a TV station. Her monthly salary is NT$35000. After deducting all kinds of expenses, she saved up little by little. In less than 4 years, she saved NT$70, enabling her to go abroad The dream of going to a master's degree.

Liang Jiazhi, who just started working, encountered a work bottleneck that most newcomers would encounter, and always felt powerless to break through.For her own future, she felt that she needed further study and training.But she didn't want to borrow money from her parents or the bank, so she came up with the idea of ​​relying on savings to accumulate the expenses.

Every day, she saves a lot on board and lodging, and never buys glamorous brand-name clothes.She felt that it was better to hold the money in her hands than to spend it.As soon as she had spare change, she saved it.As a result, more and more money was in her account, and she was getting closer and closer to her dream.

Finally, one day, when her friend joked with her: "Jiazhi, how much money have you saved? Have you become a little rich woman?" She then noticed that she had already saved enough money to study abroad !

Many people have the dream of studying abroad, but they may not be able to raise money for various reasons, so they have to give up.After reading Liang Jiazhi's story, do you still think it is difficult to study abroad?Although she accumulated little by little and was frugal, she still saved enough money to realize her dream.

Investment and financial management are very important, but the premise of investment is to have a stable and solid foundation, and the most direct way to accumulate funds is to save money.In life, because people will encounter various situations, you can choose different types of savings according to different needs.For example, the minimum deposit of current savings is one yuan, which is suitable for some relatively scattered storage, and it can be used flexibly, which is convenient for various urgent needs in daily life.The regular savings is mainly to collect the pocket money that the depositors don’t need for a while, and accumulate a little to make a lot. Its starting deposit point is 50 yuan, and more deposits are also acceptable. The deposit period is divided into three months and six months. , one year, two years, three years and five years.Fixed-living two-time is to take the best of the two, and change the interest rate according to the specific situation.

It is better to save sooner rather than later. The sooner you save, the sooner you will get the wealth you have accumulated, and the sooner you will have the funds to invest your savings.Don't believe in the famous saying "there must be a road before the car reaches the mountain", it will only bring you a mediocre life.So, start saving now!

Time is the best witness, the younger you are, the more capital you can save!In the early stage of financial management, you must have very little money. You must restrain yourself and save money first before managing money.Although this process may be boring or even long and difficult, as long as you can develop the habit of saving, everything is worth it.

How can I develop the habit of saving?
1.save change

Many people have had a lot of small change since they were young, but they never thought of saving, and they always put it off... As a result, when it was time to use the money, they found that they didn't have much money in their hands.So be sure to save money on a regular basis.For this, you can buy yourself a small piggy bank.As soon as you have change, feed it into its stomach immediately, and it will be stuffed bulging within a month or two.

2.bank savings

You can force savings, that is, save 25% of your salary as soon as you get your salary. In the long run, it can play a very good effect.Of course, there are no restrictions on the method, but you must deposit the money in the bank on the specified day to form the habit of saving.

3.set goals for savings
Write the purpose of saving money on paper, and then put it in an easy-to-see place, so that you can always see the goal, so as to serve as a reminder.

4.review from time to time

From time to time, I see my savings increasing little by little, and experience the joy of gradually increasing numbers.After a long time, you will feel that money is not easy to come by.The money is earned independently by oneself, so it must be cherished and cannot be disposed of at will.

(End of this chapter)