“How to save money without paying too much attention?”
This is probably the part that everyone in their 20s or 30s is worried about.
Actually, when I was in high school, I came across fund savings
It’s not deep, but it’s better than my friends in finance. 국민은행 마이핏통장
took more interest
In fact, when I was in college, I read the newspaper.
I saw an article that gold investment was promising.
There is no money to buy gold,
I came across a financial product called Gold Banking.
I put some of my pocket money in little by little.
But when the gold price was at its peak at the time
Maybe it was just the beginning, I tasted “minus” every day 이베이스매뉴얼
(At that time, the economy was also suddenly bad..)
So I didn’t put it in, but when I saw the passbook that became a “plus” last year
I also thought that Johnver was the answer.😂
Let’s get back to the point,
With a salary or pocket money account in their 20s and 30s
I would like to recommend “KB My Fit Account”.
My Fit Passbook is a money splitting service.
It can be divided into basic expenses, living expenses, and an emergency fund box.
In addition, the emergency fund box is provided if the conditions are met.
It offers an interest rate of 1.5%.
(The conditions are as in the table below.)
Emergency fund service whenever I am in an emergency
It is a very useful service because it is possible to withdraw money.
Actually, I have savings, utility bills, etc.
At the end of each month, save the remaining money as an emergency fund.
And if necessary, use it as stock seed money or
Make a present for me 🎁😍😍
A word that was once popular
It was “dusty, dusty,” but when you collect the dust,
You will also develop a habit of saving and make rational consumption.
Today’s me is important, but for tomorrow’s me
Why not try a small habit?
By the way, this article is extremely my own money (determining myself with my own money).
This is a subjective article written based on my own experience.
(Information source: kB Star Banking application)
Today is finally the day to split the emergency fund
In December of last year, the existing KB Rockstar account was converted to a KB My Fit account. If you sign up for a new MyFit account, you can set up an emergency fund right away, but if you sign up for a passbook conversion, you can only do it once the settlement date of KB Kookmin Bank has passed, so I waited for today, February 13th.
The reason I dare to set up an emergency fund is that it’s money to put in my savings account anyway, but since they say that 1.5% interest rate will be applied, I want to receive even a few pennies more… 😂
I set a reminder on my iPhone in case I forgot it, but the notification went off in the morning, so I checked it right away.
Oh, and Kakao Bank Safe Box, Shinhan Bank Money Box, and Naver Mirae Asset Daewoo CMA, which are good for emergency savings accounts, are also added!
# Setting up an emergency fund in My Fit account
1. KB Star Banking > My Fit Account Details > Setting up an emergency fund
2. Click the Split Emergency Fund button
You can do this with the Liiv app, but I just did it with the KB Star Banking app.
The cost of living can also be split, but since I’m currently using a Shinhan card, I didn’t have to split it.
3. Enter the amount to be split as an emergency fund
An emergency fund can be set up to a maximum of 200,000 won.
So, I set it to 200,000 won.
The amount set aside as an emergency fund
Deposit and withdrawal, credit/debit card, etc.
Withdrawal is not possible for all payments
If you need to withdraw money, you must take it out as basic expenses.
And save and you’re done.
When you need to withdraw the amount set as an emergency fund
Click the Move Amount button to move it to the basic cost.
In other words, instead of blocking it from being used
It’s a little bit more interest rate.
It is perfect for storing an emergency fund that is not tied to a term deposit.
Instead, it is not given every day or every month.
Of course, it is better to have a CMA passbook, where interest accumulates every day.
Instead, it is linked to the deposit and withdrawal account.
When you need money, you can move it quickly and use it.
Also, there is no place where the CMA exceeds 1% in the fortress.
Note that
Kakao Bank’s Safebox
(0.5% up to 10 million won)
Shinhan Bank Heiyoung Money Box
(0.6% up to KRW 2 million)
It’s a similar concept.
My Shinhan Bank account is a limit-limited account.
Since I can only withdraw 30,000 won each
I’m not using it at all…
Cabin made something
Feeling like there aren’t any particularly good benefits?
than the above two
Naver Mirae Asset Daewoo CMA bankbook is much better.
1% up to 10 million won without any conditions
If you pay 100,000 won in Naver Pay,
3% is applied on every 1,000,000 Won out of 10,000,000 Won
I’m using this for an emergency fund too!
# Applicable subject and conditions of 1.5% emergency fund rate
Contents related to the emergency fund interest rate of My Fit Account
1.5% is up to 2 million won, emphasizing and emphasizing…
The standard is the daily final balance during the interest calculation period.
Even if I had to spend money during the day, I took it out
I don’t mind if I refill it in the evening
The conditions for applying 1.5% are as follows.
If you read the three conditions, it will eventually be used as a paycheck.
Because my payday is the last day of every month
Because the payday is set as the 31st
It meets the first condition
When the paycheck comes
It seems that the second condition is also satisfied by depositing like this
The third condition is…
Salary transfer from our company
I don’t know what to do
Whatever it is, if you look at the last ※
What you have done now in your KB account or in your name
It is written that it does not correspond to performance.
Then, can I do it with my own account on another bank…?
What if I exchanged 500,000 won each with a friend…?
Because today is the day after the settlement of accounts in February
From now on, those who have joined
You can set up an emergency fund from May 15th.
Next on August 14th and November 13th
Unless you have to switch because of your account number like me
We recommend that you just sign up as a new member. hehe
By the way, if you pay rent next week
I don’t have much money, so I guess I’ll have to bring an emergency fund.
Anyway, other than the Nonghyup account, I don’t use it very well.
This time, I received a deposit in my subscription savings account.
The loan was transferred to the “KB My Fit Passbook” that was created when the ASEM’s IPO share subscription was made.
But this “KB My Fit Account”
30,000 won per day
1 million won at the window
There is a transfer limit under such conditions.
I don’t know why, but
(Probably to prevent cannon bankbooks??)
One of the four conditions above must be met to lift the limit limit.
But in most cases, proof of 3 months’ worth is required.
I have to get rid of it today
Waiting for 24 hours at Upbit is annoying.
I can’t wait for this either…
So the very next day, I went to KB Kookmin Bank.
KB Kookmin Bank Gangnam Central
2nd floor, Clock Tower Building, 402 Gangnam-daero, Gangnam-gu, Seoul
I visited just after lunch time.
I think I waited about 20 minutes.
In my case, the Nonghyup was my salary account.
We tried to lift the limit by changing to KB Kookmin Bank.
So, the related documents
Certificate of Employment
Earned income withholding tax receipt
pay stub
copy of passbook
I went to the bank with the same documents as
The person who consulted me kindly explained it to me.
What is the fastest way to unlock the limit?
Create a credit card
It was.
I have a credit card that I’m using right now.
It doesn’t matter what credit card you use
I just asked you to make it.
It was a credit card with an annual fee of Rs.
The 30,000 won payback event was in progress, so it was practically free.
to sum up
1. Changed the monthly passbook from Nonghyup to KB Kookmin Bank
2. Although there is no transaction record for 3 months, a new credit card is issued and
Same-day transaction limit and transfer limit cancellation on condition of continuous use
(Credit card can only be used for 3 months.
I’m just going to keep using it)
3. I tried to get a credit loan, but I took a step back