If you need to deposit 50,000 yuan, you can deposit 20,000 yuan as a current account, which is convenient for your own use at any time. And then put the remaining 30 thousand
Yuan is divided into three equal periods, and the storage period is set to 1 year, 2 years and 3 years respectively. After 1 year, the due share of 1 0,000 yuan will be kept for 3 years.
The rest and so on. Three years later, all three certificates of deposit in our hands became three years, but the maturity time was different.
Time difference 1 year. By adopting this saving method, the annual saving period can be balanced, which can not only cope with the adjustment of saving interest rate, but also get three years.
Because of the high interest rate, it is a good way for working families to accumulate education funds for their children.
2. How to manage money and save money is the most cost-effective: monthly deposit method.
We can deposit the extra money as a one-year lump-sum deposit every month. In this way, one year later, when the first certificate of deposit expires, we will
You can take out the principal and interest of the savings, round it to the whole number, and then make the next round of regular savings, and so on. So we started with the certificate of deposit at hand.
Keep it at 12 and get a certain amount of capital income every month.
With the increase of savings flow, household savings will gradually increase. The saving method here
The flexibility is relatively strong. How much you need to save every month can be decided according to the family's economic income, and there is no need to set a number.
Well ... if there is a need for urgent funds, we just need to withdraw the due or recent deposits, which will reduce some interest losses for us.
Lost.
3. How to manage money and save money is the most cost-effective: four-point savings method.
If there is 65,438+0,000 yuan to deposit, we can divide it into four certificates of deposit, and each certificate of deposit can be divided into 65,438+0,000 yuan, 2,000 yuan, 3,000 yuan,10,000 yuan.
4000 yuan, all four certificates of deposit are one-year time certificates of deposit. In this way, if we need to use 4,000 yuan a year, then we only need to take out 4,000 yuan of certificates of deposit, thus avoiding the drawback of "taking one hair and moving the whole body" and reducing the interest loss caused by it.
Lost.
4. How to manage money and save money is the most cost-effective: combined storage method.
The essence of this method is the combination of principal and interest, with zero deposit and lump sum withdrawal. For example, if we save money with 50 thousand yuan, we can open a savings account with interest.
Account, one month later, take out the interest of the first month with interest, and then open a savings account with zero deposit and lump sum withdrawal, in the next one.
Interest can be deposited into this account in monthly installments. In this way, you can not only earn interest on your deposit, but also deposit your deposit in the bank at one time.
Interest can also be earned after storage.
5. How to manage money and save money is the most cost-effective: automatic transfer
When saving money, you can make an agreement with the bank to transfer money. The advantage of this is that if it is not transferred in time after maturity, it can avoid the deposit exceeding.
Interest loss in the current period. In addition, if the interest rate is lowered after the deposit expires, it can be automatically transferred before the deposit is lowered.
Interest is calculated at a higher rate. And if the interest rate is raised after the expiration, we can also take it out and save it, and we can also enjoy the raised interest rate.
6. How to manage money and save money is the most cost-effective: current savings deposit.
The advantages of current deposit are flexibility, convenience and strong adaptability. We can use this part of the money for daily expenses. For example, you can put the month
Fixed income (such as salary) is deposited in the current passbook as a daily reserve fund, which can be used for daily withdrawal of water, electricity, telephone and other expenses.
It is very convenient to withhold and remit money from the current account. Pay attention, too, and live.
If there is a large deposit in the current account, the interest rate of time deposit is low.
After payment, it shall be withdrawn in time and converted into time deposit. In addition, for current accounts with large amounts of money in and out on weekdays, in order to ensure income
Interest is generated by interest. It is best to close this account once every two months, and then you can open a current passbook with the settled principal and interest.
7. How to manage money and save money is the most cost-effective: lump-sum deposit and withdrawal of fixed-term savings deposits.
Time deposits are usually suitable for money that is not needed for a long time. Such a storage method must pay attention to the moderate storage period.
The entity can operate as follows: For example, a sum of money is intended to be deposited as lump sum.
Way, fixed for 5 years, we don't deposit it directly for 5 years, but we can share it.
The solution is 1 year and 2 years, and then deposit them in turn, which makes the best money. If you are in a period of low interest rates, then you can.
In order to make the deposit period longer, don't deposit in installments at the end of five years, because when the interest rate is low, the savings income follows the principle of "deposit period"
The longer the time, the higher the interest rate and the better the income. "
8. How to manage money and save money is the most cost-effective: notify savings deposit storage.
This kind of deposit is mainly suitable for depositors who want to withdraw large demand deposits in the near future but don't know the specific withdrawal date, such as individuals.
Family subscription funds during stock trading, holding money to wait and see funds or idle funds when the stock market is closed on holidays. For such funds, deposits can be fixed.
It's a seven-day class.