Save 40 thousand a year. Do you live like a joke?

I saved 40 thousand a year, which is really not much. At this level, it takes 25 years to save 654.38+0 million, which is an unimaginable failure.

But the reality is just the opposite. More than 90% people can't even save 40,000 yuan a year, because the national per capita deposit is only 5 1800, and I don't know how many years it has been saved.

Let me tell you a real example. A few days ago, a young couple came to pay a New Year call to us and talked about income.

He thinks that among peers, the income is ok, close to 1 10,000 per month, and the monthly income of husband and wife can reach1.40,000.

But at the end of the year, the real balance is only over 30 thousand, and I feel that there is no waste. I spent hundreds of thousands a year and I don't know where all the money was spent.

It is normal for a young man like him to spend/kloc-0.0 million yuan a year on food, clothing, housing and transportation and children. I suggest that they keep accounts, so that their income and expenses will be clearer.

There are many accounting software now, and Alipay can also keep accounts. Last year's bill was inaccurate and the repetition rate was too high. After 65438+ ten thousand yuan was visited 10 times, it became 1 ten thousand yuan.

Bookkeeping is only for better analysis of income and expenditure. If you really want to save money, you still need to increase your income, especially in Qian Shengqian, because other ways to increase your income require costs, and the cost of making money is the lowest.

For example, a person's monthly salary is 8000 yuan, but his monthly expenses need 5000 yuan. Just like my junior year, a house, a car, all kinds of entertainment, more than 3000 a month, as well as children's milk powder, food, clothing, housing and transportation. A monthly balance of more than 2000 yuan is good.

But if we have 400,000 yuan in hand and put it in the smart deposit of a private bank, the annual interest rate is 5.4% and the annual interest rate is 2 1.6 million yuan.

This shows that if a person works hard for one year, the surplus value he creates is equal to the value generated by the principal of 400,000 yuan.

The interest the bank gave us was still after they left the management fee. If the financial management skills are high, the rate of return on our own investment and financial management will reach 10%, and the annual income of 40. 1 10,000 will reach 40,000.

So the title says that you worked hard to save 40 thousand a year. Although I'm not kidding, it's really not much, equivalent to 400 thousand's income a year. You really should learn how to manage money.

Recently, some netizens vomited: Only 40,000 a year, are you alive like a joke? To tell the truth, this is really a joke for many people, but at the same time it is an unattainable income for most people.

0 1 per capita deposit

According to statistics, by the end of 20 19, China's per capita deposit was 58,700 yuan; This per capita deposit includes about 200 million minors who have no source of livelihood. If excluded, the per capita deposit of adults will become 68,700 yuan.

Are you a little surprised to see this number? Now many young people don't talk about deposits, and even owe a lot of money to online lending institutions such as banks and Alipay. Is this per capita deposit inaccurate? This per capita deposit may not be so accurate, but it will not have much impact, mainly because in China, more than 80% of wealth is held by less than 20% of people. If distributed in proportion, the per capita deposit of most ordinary people is only 6.5438+0.47 million yuan.

This per capita deposit has been accumulated for so many years, not for one year.

Save 40 thousand a year

For most people, saving 40,000 yuan a year is quite good, and saving a down payment in second-and third-tier cities is only a few years. However, for 20% who control 80% of wealth, 40,000 yuan may be the consumption of a cup of tea by others.

If you can save 40,000 yuan a year, your annual income should be above 6,543,800 yuan. Let's just say that the subject really has this distress. Obviously, the income is ok, but the annual balance can't satisfy himself. If you want to save more money, then you definitely need to change your current consumption pattern.

How to change

If the income is really enough, but the savings are insufficient, then this situation can be changed by "opening up sources and reducing expenditure".

① throttling. If you want to cut costs, you must first look at what aspects of yourself have unnecessary consumption. You can find this by bookkeeping and then selling it, and then reduce these unnecessary expenses.

② Open source. There are two ways to open source. One is to increase income through sideline business. Now many people are doing part-time sideline business, and even some people's sideline income can be higher than their main business. The second is financial management, so that money can work to make money. There were not many people in previous years. In 20 19 years, many people increased their assets by 10% or even more than 20% through wealth management. If you are sensitive to risks and don't want your money to be at risk, you can also choose a sound financial management method, which is easier to achieve an annualized income of more than 5%.

Software for throttling bookkeeping is not recommended. Now many of these softwares can even keep accounts by making excel tables. In addition, there is no mention of how to choose sideline business and how to conduct financial management, mainly to explain the way of open source.

To sum up: if you are prepared to go in the direction of the 20% people, it is a bit like a joke to save 40 thousand yuan a year. Because many people may not talk about work income, even financial income can easily pass 41 thousand years.

It's still a joke to save 40 thousand a year, so it's just a joke that my family only has 1000 a year. But I think I am not a joke, and my heart is full of affection. It's useless for parents-in-law to spend a penny on many things, and my mother's surgery is not borne by my brother alone. I take the initiative to bear half.

There is a saying on the Internet that invisible coercion is the most deadly. If saving 40,000 yuan a year is a joke, then more than 90% of China people are a joke. Maybe you haven't left the society yet. I don't know what 40 thousand yuan stands for. Or what does it mean?

Per capita deposit

According to the data released by the People's Bank of China, by the end of 20 18, the balance of various deposits of Chinese households was 72.44 trillion yuan, while the population in China was about13.95 million in the same period, and the per capita deposit was less than 52,000 yuan. This is the result of hard work in the 70 years since the founding of New China. If you save 40 thousand a year, you will be close to this number.

average income

According to the data released by the National Bureau of Statistics, in 20 18, the average annual wage of urban private units nationwide was 49,575 yuan, less than 50,000 yuan. Although it exceeds the 40,000 deposit mentioned by Yuan You, it doesn't mean that you save as much money as your salary in a year, and life costs. In reality, if you can save half of your annual income of 49,575 yuan, it will be very powerful. More commonly, you can't get in. Therefore, it may not be difficult to earn 40 thousand a year, but it is difficult to save 40 thousand a year. After all, it is basically impossible to spend only 9575 yuan a year now. Maybe the rent alone is more than that.

abstract

Save 40 thousand a year, you can't say that you are in an absolute dominant position, after all, there are many excellent people; But at least, you are far ahead of most people. If you live to be a joke, then most of us are jokes in jokes. To tell the truth, with the current economic level, if you are telling the truth (not multiplying by ten), then you can save 40 thousand yuan a year. At least your annual income has basically reached 80,000 yuan or even 6.5438+10,000 yuan. Otherwise, unless you live extremely diligently, you will basically not save 40 thousand a year.

It would be nice to have 40 thousand deposits a year. If you are a working class, you can live a good life and catch up with the well-off level.

If you are middle-aged about 30 years old, then, save it for one year? 40,000 yuan is really a little small, but if you are a newly graduated college student of about 20 years old, can you save it in one year? 40,000 yuan, I think you are the best among your peers.

00 1:

For wealth, we should be rational about how much money we can save in a year. If you have more deposits, you may not be able to stay. If you have less deposits, it doesn't mean that you can't make big money in the future.

Therefore, those who are satisfied are happy.

In life, many of us always like to compare ourselves with others. Some people show off their wealth every new year. How much money did they make this year?

But in fact, we found that these people really didn't save much money, just boasted for a while and let others look at him and envy him. In fact, I don't think such a person deserves everyone's respect, and it is also a kind of self-deception.

We normal people, how much money I want to earn and how much money I deposit in the bank.

002:

Be true in life, at work, among friends, or at home, and don't brag about how powerful you are. In fact, this is not just self-deception. You think people take you seriously?

So, whether life is good or bad has nothing to do with others, even if you save it this year? 1 million yuan, but you think it's small.

So, how much money is the goal for next year, you should know clearly, instead of showing off your money-making skills or showing off your wealth?

Indeed, in life, being a low-key person and doing low-key things are the correct life values that we should uphold.

How much wealth is there?

We should be rational.

Young people shouldn't give up on themselves because they can't make money compared with their peers?

We need to find the gap with others. How much do others earn? Maybe others have put in more energy than us? Overtime more than us? These are all things we should learn.

So how much money we save a year is sometimes related to our own efforts and our diligence.

003:

In today's society, young people, young people and middle-aged people should always live in this society as strugglers, struggle in this society and live tenaciously in this society. This is our proper state and attitude towards life.

While making more money, we should also be good at financial management, so that Qian Shengqian can have a compound interest thinking and produce a money-making model and effect that will make money move. Only by allocating different family assets and different personal assets can we effectively avoid excessive currency, and the RMB has depreciated a lot because of inflation.

Therefore, if you have money, you must be good at managing money; How can we make money without money? We should think about the essence behind others earning more money than we do, instead of blindly admiring others' glamorous surfaces.

The reason why others are glamorous or save more money than us in a year must be that they have paid more energy, more diligence and efforts than us.

004:

So we should see the essence of the problem and see the real existence of the problem.

I think such a person will make his wealth roll up in the future social development. There is no shame in saving 40 thousand a year. As long as we work hard and create wealth with our own hands, I think it is glorious.

This question is a bit interesting. Save 40 thousand a year, live like a joke? It depends on whether a person saves 40 thousand a year or a family saves 40 thousand a year I think it's good to save tens of thousands a year anyway.

My daughter has gone out to work for three or four years. I taught her to save money. I said, if you don't save money, you suddenly lose your job or suddenly get sick. Where does the emergency come from?

In the first few years, my salary was low, I rented a house and didn't save anything. Later, I said, change jobs and find a regular job, and save at least half of my salary every month. She said she couldn't save it, and she wanted to buy something when she saw it. I said she had to keep it. Later, she transferred it to me and kept it for her.

It was only in June last year that it was transferred to me to help her deposit. In June this year, I calculated that there were more than 44,000. I haven't transferred it for two months. I changed my mobile phone. Otherwise, 50 thousand will be almost the same. I think everything is fine, and I often buy things for me and her brother. Happiness lies in contentment!

First of all, saving 40,000 yuan a year is definitely no joke. No matter what your annual salary is, there are many people who earn 500 thousand a year and are still in debt by the end of the year. How much money you save depends on your quality of life. Money can't be saved. In today's society, money is so hard to earn and so gross, so there is a lot of pressure. Why do you have to be so wronged? If you want money to be your slave, you must enjoy it when you earn it. Don't make yourself a slave to money.

Save 40 thousand a year, and you may not be able to buy a house after 30 years. But not a joke!

For example, our public primary and secondary school teachers, so far, our school has 12 teachers, 7 of whom have a monthly salary of about 3,000 yuan, plus an incentive performance salary of more than 3,600 yuan. Excluding expenses, the maximum deposit for one year is 40,000. If wages are not raised or lowered in this way, it will take 30 years to buy commercial housing. In fact, wages will also rise, and the price of commercial housing will not necessarily rise. It's really hard to predict whether you can buy it then. However, the full amount may still be unaffordable, but with the support of housing provident fund, provident fund loans are always possible!

For example, nearly 59% of the teachers in our school earn less than 4W yuan a year, so it's no joke for them to live!

Why do you say that?

If someone thinks that low income is a joke, he is a person with low taste!

Save 40 thousand per capita and live like a joke? It's like a joke.

Not everyone earns a million dollars a year, but everyone is a rich second generation. There is a saying that "there is a shortage on the top and a surplus on the bottom". We just need to compare with the overall level.

First look at the latest data released by the Bureau of Statistics. In 20 19, the per capita disposable income of residents reached 30,733 yuan, a steady increase over 28,228 yuan in 20 18, with a nominal increase of 8.9%. In other words, the average disposable income of all people in the country is only 30,700 yuan a year, and you have spent all the expenses and still have 40,000 yuan.

The money you save is the money you haven't started saving on average. If you are a joke, who else is it?

So if you think like this, your heart will be balanced. Although 40,000 yuan is not much, a good computer and a rich meal may be used up. But if everything is compared with the rich local tyrants, is it really too tired to live?

In other words, if you can save 40 thousand a year, you can earn at least 80 thousand. If it is a couple, it is 6.5438+0.6 million yuan a year. It's not too bad to earn so much a year. More importantly, you can save money, which shows that your life is well planned, which is far from many people.

Although some people's wages look good, more than 10 thousand a month, but spending some here and spending some there, not only can't save money, but their financial situation may still be negative every month. Over time, they may be entangled in huge debts, but they only look shiny on the surface.

So I think, just be yourself and save 40 thousand yuan a year. It's not much, but it's great to save money. As long as you can persist, continue to earn more money, save more money and manage your finances reasonably, Japan's future will only get better and better. There is no need to envy others or belittle yourself.