How to save money and do not torture yourself
Tips / / December 19, 2019
Save for a serious purchase hard. You can certainly get credit for and take the same machine at once. But the debt will have to give back with interest. You can, on the contrary, a deposit, and interest will accrue bank. But if you withdraw money before the term, the interest shall be burned up. And in the car, unfortunately, a big discount, and general sale.
To postpone it easier, the bank offers another product - the cumulative score.
What is saving account
It is something like a card with interest on the balance. Once a customer puts money in the bank and can pick them up at any time. Accrued interest will not burn.
Typically, the bank offers to open saving account for a particular purpose and calls him a target. The client decides what to save, how much and for how long, and the bank calculates how many save each month to reach your goal. More than a score from the usual no different - contains only the amount of monthly refill.
How good it is
Cumulative score will save you from the temptation to drop everything that is already there. Money from this account will not pay at the bar or shop: the bank as if pripryachet them for you. Just place an automatic renewal, and more about the long run do not think. As a result, the money will wait in the wings.
In this case, the cumulative score is always available. If you save up for holidays in Greece and suddenly appears Lastminute, can without any loss to charge. And if you set aside in a financial reserve, in which case it will be able to immediately use the accumulated money.
More reliable than the cumulative score card. It can not be lost, to light before scams online or at an ATM. And he, too, under the protection of the Agency for Deposit Insurance.
How to use it
Do not withdraw money several times a month. It happens that the bank pays interest on the minimum balance. If at the beginning of the month was 200 thousand rubles in the middle - 100 thousand, and in the end - 300 000, the interest credited only 100 thousand. Therefore, it is better not to withdraw money until you save up the necessary sum.
Keep a large sum. Typically, the interest on the balance on the map above, but to a certain amount. For example, if the balance of the card is not more than 150 thousand rubles, the bank will charge 8%. On the savings account interest rate of 6%, but the maximum amount is not limited. Under these conditions, at the expense of longer profitable to make 150 thousands, and to keep a smaller amount on the map.
Follow the bank. The interest rate is not fixed, the bank can change it. But he always warned about this. Watch the messages in time to notice that the account was no longer profitable.
see also💰
- Where to invest the extra money in the 20, 30 and 40 years
- 15 things, which is not a pity to spend money
- TEST: Can you differentiate the benefits of cheating?