Let’s take a look in order
1. Paycheck
– Passbook to transfer salary
– Passbook to which various subscriptions and savings are transferred 네이버페이 체크카드 추천
– A passbook that will receive interest rate benefits when borrowing ☆
In fact, my paycheck is really
It’s a passbook passing by 🙂 이베이스매뉴얼
These days, there is a fee waiver.
the advantage is not great
I think the meaning of the salary passbook is the following two
1) Storage before transferring salary to fixed savings
2) When borrowing later, the monthly paybook bank
To become the main bank and get favorable interest rates
If you have not yet become accustomed to fixed savings,
It is recommended to set automatic savings account transfer on the same day of payroll transfer.
2. Living expense account
– Cost of living per month (end)
In other words, when you get paid
Set monthly living expenses and transfer them to the living expenses account
The living expenses account is usually
Rather than using the check of the bank where you opened the account
It is better to connect and use a debit card with good benefits
That’s what I’m writing!
Payco Woori Check Card
The rate of earning PAYCO points is a whopping 1.5%!!
But maybe it was because the benefits were so good…
Sad fact that issuance has been discontinued
(sorry…)
Therefore, Shinhan Card issued
I also tried to recommend the Naver Pay check card..
This is also discontinued ^^
So, I looked for a check that could be issued.
Woori Bank Naver Pay Check Card
(I did not get paid for a recommendation)
I’m not writing…
There is an annual fee of 5,000 won for the Cheka theme ^_ㅠ
Until this year, 1.5% is accumulated,
Issued by 12.31 and until the following month
If you spend more than 10,000 won, you get 100% cash back on the annual fee, so it’s good enough if you sign up in a hurry!
(*Existing other bank accounts can be linked)
A credit card was issued without
Even if you do not have a debit card and use it in a hurry
I don’t use it except
(Even this will be removed as a prepayment)
There are good benefits if you fill the performance
There are also temptations to say that it is good in the long run.
However,
When using a credit card
I don’t feel like this money is really going out of my pocket right now, so I think it’s more likely that I’ll spend more.
3.Emergency savings account
(#Wellbang #Saving Bank #Non-face-to-face ordinary deposit)
– Congratulatory and condolence expenses, hospital expenses, etc.
The emergency fund is literally
rain
award
gold
Large expenses such as congratulatory and congratulatory expenses or hospital expenses
A fixed amount each month in case you need it
It is a separate account
By collecting a certain amount
You should not open a savings account.
Because there are often deposits and withdrawals
What should be used instead of savings
CMA passbook or parking passbook
Even if you have money for just one day, interest is charged.
It’s not a savings account, but it’s perfect for an emergency savings passbook!
Previously, I used Kakao Bank Safebox, but,
The interest rate fell further, so I switched to Welbang haha
It’s hard to write on my phone…
Further explanation study further
By writing another post…!
#New employee #Newcomer #Financial management #Money management
#jacket tech #honey tip #bankbook management #bankbook pecking
#salary passbook #main bank #living expense passbook #20s check card
#Recommended check card #Naver Pay check card #Emergency bankbook
#Deposit and Withdrawal Account #cma