The accumulated savings not only warm the soul, but also cause anxiety about the need to preserve and increase them. Unfortunately, there is no perfect way that would allow you to simultaneously save money, earn additional income with their help, and also easily get them back at your disposal.
Instructions
Step 1
Keep some money in the apartment so that it is always at hand in case of unforeseen expenses. Even being a very resourceful person, you are unlikely to deceive a thief who knows every single place in which you can hide money. If you do decide to keep all your savings at home, get a safe. Its reliability and quality will be directly proportional to the price. The availability of funds can be a negative side of this storage method if you are prone to impulsive and thoughtless purchases.
Step 2
Open a bank deposit. This method is suitable for people who are not particularly financially literate, but who want to receive a stable income at the same time. Among the many banking offers, you can easily choose a suitable option. To do this, you will need to decide on the currency of the deposit, the period by which you may need the invested funds, and other conditions of the deposit. In order not to spend money and not lose the accrued interest, choose a classic deposit that does not provide for partial withdrawal of funds. So that you can return your savings in the event of bankruptcy, the amount of the deposit should not exceed 700 thousand rubles.
Step 3
Get a passbook. This method will suit those who have small savings and the ability to visit the bank on days and hours when there are no large queues. You can also open a bank account, which makes it possible to make non-cash payments using a plastic card or Internet banking services. The downside of this method is the frequent cases of theft of card data on the Internet and all kinds of fraud using lost plastic cards. In order not to become a victim of fraudsters, do not write down or tell strangers the code of your card, and in case of loss, call the bank as soon as possible to block the card account.
Step 4
Open an impersonal metal account (OMC) in the bank, which will store the purchased "virtual" grams of precious metals. This option is also suitable for long-term investments and playing on fluctuations in precious metals prices. The disadvantage of this method is the arbitrariness of banks: they have the right to independently set the rates for buying and selling metals in their favor and not take into account the situation in world markets. In addition, in the event of bankruptcy of a bank, the funds invested in the compulsory medical insurance are not subject to reimbursement to depositors.
Step 5
Use a bank safe deposit box. This way of keeping money will not bring you income, but it will save you from the risks of losing your savings. You can pick up the contents of the cell at any time without prior agreement, and in the event of bankruptcy, you will get your money back without any problems. In addition, in addition to cash, you can store jewelry, securities and documents in this way. The disadvantages of this method of saving money are the need to pay for the rent of a safe deposit box, the inability to receive additional income and remotely carry out transactions with funds.
