How Much Do You Know About Seven Savings?

However, when interest rates remain unchanged and very low, fixed deposits are not only less mobile but also unable to resist inflation.

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Savings are no more common than they are in banks.

First of all, depositors should clarify their savings objectives.

Choosing savings is nothing but safety and stability. Therefore, when choosing savings varieties, we should give priority to convenience and applicability, and on this basis, consider how to get more interest.

Daily living expenses, pocket money, because at any time to withdraw, the most suitable choice of demand savings.

Moreover, the daily expenditure is regular. The amount of current savings is easier to determine. Generally, it can be maintained for only a few months.

In addition to daily expenses, if there is still a small balance every month, you may consider choosing a savings deposit.

The accumulation of zero into the whole, the accumulation of small amounts of money, this way is suitable for stable wage earners.

If we want to use a sum of money in the near future, but we can not confirm the specific date, we can choose both fixed and passive savings, which can be withdrawn at any time and the interest rate is higher than the current savings.

If there is a savings that will not be used for a long time, it can be considered for the purpose of obtaining the higher interest.

The longer the deposit period, the higher the interest rate, but the longer the part of the fund is "set".

Before making fixed inventory, the depositors should consider the possible large expenditures in the next 35 years.

If we want to save funds for our children's education ahead of time, we can also choose educational savings. In fact, it is a kind of savings deposits, but it is exempt from interest tax.

In order to deal with interest rate adjustment, depositors can adopt ladder storage method (banks call different methods, such as "four points method"), taking 100 thousand yuan as an example, of which 40 thousand yuan is current demand for withdrawals at any time; in the remaining 60 thousand yuan, 1, 2 and 3 years of regular savings each deposit 20 thousand yuan.

1 years later, the expired 20 thousand yuan will be renewed for another 3 years. By analogy, the certificates of deposit held in 3 years will all be 3 years, but the maturities are different.

This saving method can not only cope with deposit interest rate adjustment, but also get higher interest rate for 3 years' deposits.

There is also a savings law that goes against the front.

A certain amount of money is deposited every month. All the certificates of deposit are of the same age.

This method can maximize the flexibility of savings. Once the money is in urgent need, it is possible to withdraw the expired or near future certificates of deposit and reduce interest losses.

When I was in college, I was a big mother-in-law. Student loans all borrowed two banks, ICBC 2500 yuan and Bank of China 12000 yuan.

In 2006, I joined in the work. At that time, I was in the front line, and all the salary prizes were cash. Every month I sent money, and I left enough money to pay for cards, buy daily necessities, buy clothes, and so on.

The rest is stored directly in the bank, and it can only be saved.

Unshakable.

Six months later, ICBC's student loans were first made.

In December of 07, the Bank of China was paid off.

At this time, I feel really debt free. But the good habit of saving money is still not lost. It is still enough to save enough money for life, and the rest is left. When I bought a house in September, 08, I had saved 50 thousand yuan.

The unit was redeployed in July 08.

In September, I saw a big post on the horizon unintentionally. I talked about sticking to the post. I thought it was a great benefit.

The bonus of the unit was issued by the China Merchants Bank. At that time, after seeing the post, the card was pferred to the public on a regular basis, with a period of 200, five, 3000, three months, and then there was a 5000 three month period. There was another eleven thousand years. After the three months, the short term of the deposit expired. Although interest was not much, it was very happy. The money placed in the current period was temporarily unused, and the direct deposit was fixed on a regular basis, even if interest rates changed.

Slowly, wait for the short term after several expires, because every month to repay the mortgage, but also to save money to decorate, all the time is not very suitable, it gradually regulates. Every month's number 6 persists 300 yuan for five years.

By the end of the year, I had made a bonus. I have divided into three shares, one year, two years, three years respectively, and one year has expired, together with interest and money issued at that time, which has been pferred to three years. When the expiration of the biennium, I will continue to pay interest with the bonus of that month for three years. In that case, I have three three years.

When the house was bought, it began to save money for decoration, to run a discount to the Bank of China, to open an account with the husband's ID card, to connect with my mobile phone, and to remind SMS by accessing the business. However, we all paid a large sum of money to the account.

300 of the monthly deposit is still not discarded.

Now that the house is ready, it still owes 50 thousand yuan in foreign debt. This decoration account has become a repayment account, and has been awarded to the account by quarterly award or accident reward.

Save money every month, but the quality of life has not declined. Unconsciously, my deposit has been in storage for two years. The repayment account of Bank of China has now kept several thousand yuan, so that it can get rid of foreign debt next year, so that only the bank's mortgage is left.

It's much easier.