There are many ways to manage money by saving 3, yuan a month. You can use the 12-joint single deposit method, that is to say, make a time deposit slip of 3, yuan a month, and don't leave the money directly in the salary account, because the salary account is generally a demand deposit with a low interest rate. If a large amount of salary is left in it, you will lose a sum of income invisibly. The term of a monthly time deposit certificate can be set to one year. Do this every month. After one year, you will have 12 one-year time deposit certificates. A * * * can save 36 thousand. From the second year onwards, a certificate of deposit will expire every month. If it is urgent, it can be used without losing interest on the deposit. Of course, if there is no urgent need, these certificates of deposit can be renewed automatically, and from the second year onwards, the money to be deposited every month can be added to this certificate of deposit due in the current month, which is equivalent to depositing 6 certificates of deposit, making a new certificate of deposit and continuing to roll deposits. The principal can be saved to 72 thousand in one year. The advantage of the certificate of deposit method is that every month from the second year, there will be a certificate of deposit due for your backup. If you don't use it, you can add the newly saved money and continue to make a deposit, which can not only use the deposit flexibly, but also get the interest on the deposit on a regular basis. It is a way to kill two birds with one stone. If you persist in this way, you will save a lot of money over time.

there is another way, that is, 3 yuan per month is directly put into financial platforms such as * * Bao and * * Tong. Although it is a current account, the interest is much higher than that of banks. The advantage is that it is convenient to use, but the disadvantage is that it is also convenient to use, not mandatory, easy to save, and it is spent carelessly.

you can also make a fixed fund investment every month. The best period of fixed fund investment can last for more than 5 years, and it can basically turn over. However, there are certain risks in fixed fund investment, and there may be losses in the middle.