Seven ways to help you achieve your savings goal

(1) Open your wallet, look at the bank credit card in it, find out if there is any bank credit card you haven't applied for, and then go to this bank to open a deposit account, not to apply for the bank's credit card.

(2) Regularly withdraw 20 yuan, 50 yuan or 100 yuan from your salary account and deposit them into your new deposit account, giving yourself a transitional period to adapt to the life with less disposable cash than before. After 2-3 months, gradually increase the amount withdrawn from the wage account and deposit it into a new deposit account.

(3) Small savings started. It is suggested that you save 10% of your monthly income first, and then stick to your goal. It is better to cultivate a good habit of saving than to deposit a large sum of money once in a while.

(4) Take 5 yuan or 10 yuan out of your wallet every day and put it in an envelope. Deposit a certain amount of money accumulated in the envelope into the bank account every month. If you save 10 yuan a day, you will get 300 yuan a month, and 3600 yuan a year.

(5) Check your credit card statement and see how much you spend on it each month. If possible, reduce the amount you withdraw from your credit card every month. At the end of each month, you can deposit the money saved by your credit card into your deposit account.

(6) Set savings goals. Saving is not the ultimate goal. Financial management is to make good use of your money to achieve a certain life goal, such as buying a house or car, or studying or investing. Stick your savings goal on the refrigerator door, dining table and other conspicuous places to remind you of your savings goal and encourage you to increase your motivation to save.

(7) Pay off the loan you owe to the bank as soon as possible and minimize the interest expense. Once you have formed a good habit of saving, and can persist for several years, then you need to choose one or several investment and financial management methods suitable for yourself, so as to obtain a higher return on investment and make your life more colorful.