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Painless saving means that you don’t pay much each time, but it takes a long time, and you save a lot of money without knowing it. The daily method of saving money, Improve the balance rate, including the envelope saving method, the six jar saving method, and the 331, 631, and 532 principle saving methods. Envelope money saving method The envelope money saving method is very popular in Japan, which is to use envelopes to store money in categories. It is recommended to use transparent envelope document bags. An ordinary envelope can turn into a good helper for saving money. The envelope saving method is to divide your estimated monthly income into 4 parts, which can be divided into rent, living expenses, savings and emergency reserves, but the specific division method still has to be allocated according to personal living habits. Prepare sorted envelope bags before payday, and label the purpose of each envelope bag, and then put the money into the envelope according to the allocation. Because each envelope is transparent, the money inside the envelope is clearly visible at a glance. We can easily see the usage and remaining amount spent in each category. The purpose of this method is actually to prevent yourself from spending money indiscriminately. If we have a balance, it greatly improves our sense of accomplishment in saving money, and our motivation to save money will become stronger and stronger. Although electronic payments are now popular, if we insist on using cash, it is also a good way to save money. The biggest advantage of the envelope deposit method is that you can clearly know the flow of money, which is incomparable to electronic payment. It is because electronic payment is so convenient that our money slips away quietly. Six Jars of Money Saving Method You must develop the habit and ability to manage small amounts of money before you have a chance to get big money. The six-jar money saving method is to divide your income into six parts every month, so that you know when you can use your savings, and you can slowly get out of the moonlight tribe. The jar is just a form. It can be replaced by a bank account, an envelope or a box. The key is to understand the concept behind it and balance the expenses. 1. Financial freedom account 10%. Every time you receive a sum of money, put 10% of it into this account. This money you can only use to invest and create passive income. 2. Education account 10%. This part of the money is mainly for you to improve your abilities, such as buying books, taking courses, and improving skills. 3. Living expenses account 55%, which accounts for the largest proportion among the six jars. This account is used to pay for your necessary food, clothing, housing and transportation expenses. 4. Long-term savings account 10%. This account is an exciting savings account. Things that require saving for a while can be purchased through this account. 5. 10% for fun account. This account is for you to have fun. The reason for setting it up is to give you the motivation to maintain financial management. Yes, we make money so that we can have a good life in the future, so this account allows us to enjoy money without any pressure. 6. Give 5% to the account. This account is mainly used to help others have fun or spend money on others, such as inviting relatives and friends to dinner, buying gifts, or charity. 333, 631, and 532 principle saving methods. The following saving methods are calculated based on a monthly salary of 3,000: 333 saving method. The principle of the 333 saving method is to divide the monthly income into 3 parts and distribute it at 33%. 33% living consumption, 33% investment, and 33% savings. It can also be changed to other projects if there is no investment activity. The 333 deposit method can save 1,000 per month and 12,000 per year. Three painless money saving methods: envelope saving method, six jar saving method, and 333.631.532 principle saving method. You can find that these three methods actually all control income according to a certain proportion. You can freely adjust it according to everyone's actual situation to find the most suitable ratio. By proportioning your income, you can reduce the total amount of each expense, reduce stress, and clearly see your spending speed and surplus.