How to save money after 90? How much money have you saved?

Hello, I'm from 1997. In fact, to tell the truth, the post-90s generation has suffered too much (personal thoughts).

Let me share one of my ways to save money.

I hope I can help you.

Because China's post-90s generation is basically in debt, the real debt ratio of post-90s generation is probably 13% (a horrible data), because I was in debt before [covering my face]. With the development of information technology and the rise of financial economy, a lot of loan software (not just credit cards) has appeared, which makes many young people start to develop the situation of early consumption! As a result, every month is a moonlight clan, and there is even advanced supercomputing.

Therefore, it is basic to save money after 90 and quit early consumption.

1. Start customizing the monthly repayment plan (turn losses into profits)

2. Find out how to manage your money by yourself.

3. More sideline business (extra income)

I believe that after the epidemic, everyone will feel how uncomfortable it is to have no deposits.

Every day, various loan platforms send me messages and call me.

Here it is. I hope all post-90s friends can turn losses into profits as soon as possible. Cary has money, a car, oil, a mobile phone and electricity. This is our sense of security! I hope everyone will come on.

Actually, it's not just the post-90s generation. Saving money is a long process. In this process, discipline is very important. If you save money for three days and dry the net for two days, there will be no good effect. There is a slightly extreme example. A Japanese girl retired at the age of 34, because at the age of 34, she bought three suites through the accumulated money and lived a rental life. In order to achieve this goal, she made a plan at the age of 65,438+08, and then executed it harshly. She only ate 65,438+00 yuan a day, and even cut off her long hair to save money. This kind of discipline can't be achieved by ordinary people, but the importance of discipline is self-evident, and you have to fight against your own will.

Planning is to make a plan for at least 3-5 years, and then break it down to each month, so as to manage your daily expenses, such as eating, transportation, leisure and entertainment. With these, it's best to manage your daily accounts with the next bookkeeping app, check the accounts every month to see which ones are completed and which ones are not, and then make adjustments next month.

I am a female, born in 1995, engaged in the clothing industry. Usually busy with work, seldom go shopping. Usually, I buy clothes, shoes and skin care products online once (about 300-500 each time) with a fixed salary, and I travel once a year (about 5000- 1500 each time), nothing else. Savings are basically luck!

It is suggested that the baby who wants to save money, if he can't achieve open source (that is, a variety of ways to make money), must cut back, make a plan for his salary (reduce impulsive consumption and unnecessary consumption), fix how much he spends and how much he saves every month, and then make financial investment in savings, so as to achieve his small goal!

I really envy you saving money.

First of all, as a member of the post-90s generation, I am still a miserable moonlight clan. I have to raise a baby for the mortgage and car loan at home, and I have a good time every month, let alone save money. As soon as the salary comes in, you should give flowers and credit cards.

Secondly, I'm not afraid of your jokes, but I really don't have any savings. If you have some money, you should also consider your parents, my husband's parents and my parents. You should also give us some money every month to raise us that big. Isn't this the best time to repay? Who knows which comes first, Daoming and the outside?

In a word, I don't have any savings, and I don't know how to save money. At most, I can transfer money to Yu 'ebao to earn some money to buy lollipops and drag me back to the post-90 s. Stop joking.

Cut to the chase: 1993 (two years) I saved 654.38 million yuan+.

Analysis: I saved 65438+ million in two years. Actually, I don't have any special methods. I earn a little more than 5000 a month, and I have no sideline or part-time job. I can save money because I don't spend money.

The main reasons are: single life, no hobby of shopping, the rent of 500 yuan (a relative's house, a symbolic rent), the water and electricity network fee add up to about 150 a month, and the meal fee in 8 yuan for one day (government subsidy, breakfast 1 yuan, lunch in 3 yuan, afternoon in 5 yuan), and there is no transportation fee because it is very close.

So I saved 654.38+million in two years, mainly because I didn't spend money.

If you want to save money, you must have more jobs and sideline, or your consumption demand is low. If you have a job and can't control your consumption desire, it is very difficult to save money.

As an aunt in 1995, my husband and I rented a 2000-yuan house in Futian, Shenzhen, with a monthly salary of about 65438+4000. We divide bank cards into "savings card" and "consumption card". After the monthly salary is received, it is transferred to the "savings card", and then the fixed monthly living expenses are transferred to the "consumption card". We rent 2,000 yuan, take 2,000 buses for meals and 2,000 daily necessities. Divide the living expenses into several categories, so that you can know which category you spend more, and break down the expenses according to the time nodes. For example, if you pay the rent at the beginning of each month, there will be about 2,000 living expenses left in the middle of the month to cover all the expenses of this month, so that you will have an idea in your heart and will not spend money lavishly.

If the budget will be exceeded under special circumstances, we will spend money in advance, and then offset the living expenses for next month, as long as it is not particularly large. In this way, you can save a lot of money in a year, so you have no money to save all year round and you don't know where to spend it.

You must save money in a planned way, and save some money regularly every month for other use or emergency. After all, at this age, you need money when you are facing marriage and having children. From now on, you can't be a moonlight clan. You should spend rationally and plan your money rationally for a rainy day.

After 90, it is probably between 30 and 20 years old. In fact, all age groups are in the rising period, learning period and entrepreneurial period. Then we came from this age and understood that there was not much money to save at this age.

But you have such a habit of saving money, which is a good way of life, including starting a business and getting married in the future.

I see how much you earn a month. You will be advised to take out the basic living expenses and study fees, and then make all the money into two deposits. One is that long-term deposits account for 30% of the money, and the other is that short-term deposits account for 70% of the money. Short-term deposits can be kept at hand for a long time as venture capital funds or large expenditures. Of course, there are better options. This money can be used as a financial investment. Things in Qian Shengqian are still very easy. The premise is that you should have rich and keen financial vision and experience. If not, just manage your money.

When you talk about a habit, you must make a detailed plan for your daily expenses, long-term investment and short-term investment. As an experienced person, bookkeeping is also a good habit and method. It's too complicated to use. Just do it once a week. All right, come on.

Divide it into three parts and store it in seven parts.

Hello, I am 9 1 year-old, married, with a daughter and no savings.

The first batch of post-90s generation has entered the age of 30, and they are basically in the stage of old age and youth. As an ordinary working-class employee, there is basically no balance except the monthly mortgage, children's tuition, tuition, living expenses and human feelings. If a child is unfortunately ill for a month, it is necessary to take medicine and inject a few hundred dollars, and it is necessary to scrimp and save for a month. Maybe I am a poor post-90s generation.