The ways to save money are: lump sum deposit and withdrawal, fixed investment, closed financial management, etc.

1. Small deposit and withdrawal: it is a traditional way of saving, that is, how much money is deposited every month after opening a small deposit and withdrawal account, and it can be withdrawn after maturity.

2. Fixed investment of funds: that is, regular fixed purchase of funds is also a financial management tool for compulsory savings. Similar to lump-sum withdrawal, the advantage of fixed investment is that even if the fund falls, if you buy it in the process of falling, you will get more shares and lower costs. Fixed investment not only has compound interest effect, but also increases the wealth of investors in the long run.

3. Closed-end wealth management: including closed-end wealth management products, closed-end funds and regular wealth management products. These wealth management products cannot be withdrawn in advance when they expire, and they can be forced to save, and the income is higher than the deposit period. Investors can combine the above investment methods to ensure long-term investment and short-term liquidity.

1) Deposits refer to funds or currencies that depositors temporarily transfer or deposit in banks or other financial institutions, or temporarily transfer the right to use to banks or other financial institutions while retaining ownership. It is the most basic and important financial behavior or activity of banks, and it is also the most important source of credit funds for banks. Deposit is one of the most basic businesses of banks. Without deposits, there would be no loans, and there would be no banks. Judging from the time of its emergence, deposits predate banks. There were counters for collecting money and saving money in the Tang Dynasty. Savers can use "stickers" similar to checks or other souvenirs to spend. In medieval Europe, money changers also accepted customers' deposits, which was the nature of currency custody and did not pay interest. This is the bud of foreign bank deposit business. With the rise of banks and other financial institutions, the deposit business of banks has developed rapidly.

2) The longer the deposit term, the less cost-effective it may be. In order to earn more interest, many people concentrate their large deposits in three to five years, without carefully considering their expected use time, and blindly put the rest of the money into the growth period. If you need money urgently and withdraw money in advance, the longer the deposit period, the more interest will be lost. In view of this situation, the bank stipulates that the interest on the part withdrawn in advance shall be calculated at the current interest rate, and the interest on the part not withdrawn in advance shall still be calculated at the original interest rate. Therefore, individuals should choose the term and type of deposit according to different situations.

3) saving money snowball method is more cost-effective. In the specific operation, we might as well adopt ingenious methods. The rest of the money can be kept at home every month for one year. A year later, I had 12 certificates of deposit. In this way, no matter which month is in urgent need of money, you can withdraw the deposits due in that month. If you don't need money, you can transfer the due deposit together with interest and the remaining funds on hand to a one-year time deposit. This "snowball" method of saving money can ensure that financial opportunities will not be lost.