Although I don't have much savings, I hope the more interest, the better. Because of the big brand awareness of the four major state-owned banks, many people will take the initiative to deposit, and the interest rate is generally not too high. I see that the three-year fixed deposit rate of CCB is 2.75%, and so is the Postal Savings Bank. On the contrary, the interest rate of three-year fixed deposit of rural commercial banks reached 3.9325%. The interest rate of rural commercial banks is not bad. My basic principal is 50,000 yuan, which is risk-free for three years. I will choose a bank with a higher interest rate. At that time, the interest rates of several banks were compared, and the specific interest was not counted.
Because it is the first time to try to deposit, my idea is to experience it and see which is more suitable for me, bank deposit or fund stock. After the money was deposited in the rural commercial bank, I didn't care too much. After losing 50 thousand yuan in my free account, it forced me to work harder and earn more money every day. I usually want to buy a lot of unnecessary things, but now I have to bear it myself because there is not much money in my account. Later, I found that I couldn't buy it. Continue to do sideline business after work every day, read and write articles, work harder than before, earn a little money after work and enrich your life.
I've always wanted to have my own car so that I can travel with my family. However, I went to see the car several times and didn't buy it right away. The deposit of 50 thousand yuan is about to expire, so I went to the bank. I was impressed that I took out 5898.75 yuan on the due date. Suddenly nearly 6000 yuan, I don't believe it. I quickly asked the counter staff what was going on. It turns out that the extra money is my interest: 50,000 yuan (principal) *3.9325%/ year (interest rate) *3 years (time) = 5,898.75 yuan. I didn't expect to have so much interest after saving for three years. At first, I was worried that I would lose my principal like buying fund stocks. Really gave me a surprise. I added some money that day and bought the Mercedes-Benz E I dreamed of. ?
Many people may think that the principal is only 50 thousand, which is not appropriate at all. Because the principal itself is not much, the interest will not be much, and now prices have risen again, and the renminbi is depreciating, saving money is the most uneconomical. If you have this 50,000 yuan, you might as well use it as a buy buy fund, or even if you put Alipay, the interest will be deposited in the bank. And it costs money to keep things regularly, and it is more troublesome to take them out. Although what everyone said is reasonable, for me, this way of saving money is most suitable for us young people. Besides saving money, it can also bring us a lot of life. ?
Let me talk about some changes after my time deposit:
1. Don't waste money. For some impulsive consumption, before buying, I will silently ask myself three times, "Do you really need it?" Then decide whether to buy or not. The seemingly small way saved me a lot of money, because I didn't find that I didn't need it, especially when I bought a lot of things.
I am more motivated than before. Because there is less money in my account, I have to force myself to keep making money. In this process, we gradually overcome inertia and become more active. In fact, it does earn more money than before.
3. Be practical and have a sense of accomplishment. Saving money gives me a sense of accomplishment. I think I am also a person with savings. Especially when I saw the passbook given by the bank, I was extremely excited. But when you have no money, when you think you still have savings, you think you have to rely on it, but you are not afraid. If there is an emergency, you can turn around.
It seems unwise for young people to save money in the bank regularly. In fact, after saving, they realize that they can really save money through time deposits. In this process, they will find their own financial management methods and form good habits. Now, I still save it once a year. Although the amount of each deposit is not large, interest can also manage the living expenses and daily living expenses of our family. The most important thing is safety, at least the principal will not be small.