The new year has begun. How should ordinary people start the new year? For those who want to save money, a year's plan lies in spring and a day's plan lies in the morning. It's January, so we should make a good plan. Today I will share a good way to save money. At the same time share a good place to save money. First, ways to save money. Nowadays, many money-saving strategies and videos are popular online, such as breaking up and leaving, sorting out all your things, breaking up, giving up and leaving; For example, minimalism supports the present life with the lowest consumption, and even gets a dream piggy bank as suggested by Qian Qian the dog. But most of these do not apply to us adults. On the one hand, we underestimate our willpower, on the other hand, we overestimate our resistance to material desires. Therefore, we should find a feasible way according to our own personality. Here is a grand introduction to my money-saving method, which is to look down. 1. percentage savings method. The specific steps are as follows: 1. Make your own percentage according to your income and consumption. For example, I earn 4,000-5,000 yuan a month, and I should be able to deposit it in 300 yuan after deducting the necessary telephone charges. Then I need to deposit about 6% of 300/5000. (This percentage can be flexible). You can also calculate how much money you save in a month according to your savings goal. 2. Look at Alipay or WeChat bills before going to bed every day, and roughly calculate how much you spent today. For example, if I spend 200 yuan, I will transfer this 12 yuan (20 yuan) to Alipay's balance treasure to earn interest at the previous 6% or 10%, that is, 12 yuan. Of course, with the improvement of your sense of accomplishment, you can find a fund on Alipay and put money in it. Of course, you need to do your homework. I just bought an index dividend fund. Second, the money transfer method. The specific steps are as follows: 1. Make your own percentage system according to your income and consumption. For example, I earn 4,000-5,000 yuan a month, and I should be able to deposit it in 300 yuan after deducting the necessary telephone charges. Then I need to deposit about 6% of 300/5000. (This percentage can be flexible). 2. Set a fixed time every day to recall your approximate expenses today, and then the key comes. That is to log in to your online banking immediately and transfer the percentage of your expenses to a pre-opened bank account, remember. Be sure to open a passbook, be sure to open a passbook, and set an unforgettable password. It's best to open an agricultural bank, because every time you withdraw money, you can't take it out unless you shoot it all morning. That salesman has more than one name. There is only one purpose: it is not convenient for you to use this part of the money. Although the above two methods are similar, you will know how powerful you are when you do it, especially when you print out your passbook at the end of the year and see that you are saving money every day. That kind of pride is full. Remember that the details are convenient for saving money but not for withdrawing money. When you integrate this daily work into your living habits, you are the winner. I still remember that I always forgot to transfer money at first, and I couldn't save any money every day. At this time, I told myself that if I forgot, I would forget. After all, this is just the beginning, but we must find ways to save money every day. That is to combine with daily habits. For example, if you brush Aauto faster every day, then put the transfer step before or after brushing Aauto faster. For example, if you look at your mobile phone when you go to the toilet every day, then link the transfer step with your mobile phone. it is quite easy to do so. I hope everyone can save their dream money in 2023. In the meantime, do you have any good ways to save money? Let's share it. In the next issue, I will share where my money went, the dividend fund.