Please learn to save money after the epidemic! How is the family with an annual savings of 6,543,800 yuan tempered?

Recently, the topic of "retaliatory consumption after the epidemic" has been widely circulated, and the epidemic has affected women's financial management concept. Only 4.3% of the respondents chose "retaliatory consumption after the epidemic" and 46.5% of the women chose "the epidemic made me realize that I should work harder to save money".

In the epidemic, many ordinary people deeply realized the panic of having no money. It is really important to save some money!

Some people say that everyone will keep saving money, won't they? After all, you can't always be a moonlight family. Of course, you need to save money all the time, such as buying a house, saving money for your children to go to school, saving money for your own retirement ... but are you really right? How much money can I save every month? How many years will it take to save enough down payment for a house?

First, the first condition for successful savings is to stick to planning.

Many people take it for granted that there is no need to plan to save money, as long as they don't spend money indiscriminately, they usually keep accounts and deposit more in the bank. Actually, this is not right. If you want to save money, you must have a plan. Before planning, you must understand:

1. What's your monthly income?

2. What is your monthly expenditure?

3. What kind of balance rate do you want?

4. How can the remaining money continue to generate value?

For 1 and 2, it is mainly to help us grasp the trend of our own cash flow, so that we can know well before planning and then make a reliable budget. What needs to be noted here is that in the second expenditure, money must be spent on the cutting edge, and under the premise of bookkeeping, try to avoid unnecessary money. Many of my friends earn a lot of money, but they can't save it because they spend too little money on themselves. How do we control excessive consumption? Here we can talk about this 3.

For 3, many people understand that my monthly income 100 costs 80, so I get a balance rate of 20%. Here, I advocate the opposite approach, that is, estimate your balance rate first, then save the money you want to balance first, say nothing about it, and spend the rest again.

For example, my monthly income is 1000, excluding the necessary expenses of food, clothing, housing and transportation of 6000, and I keep 1000 of working capital for myself every month, hoping to keep 30%. Then, guided by this goal, after paying the completion capital every month, deposit 3000 yuan first to ensure the completion of the target balance rate, and the rest of the money is disposable. In this way, you can always have a sense of purpose, and you won't spend more and more because you can't control it.

For 4, it is the highlight of saving money planning: let money continue to make money. If your annual income is 654.38+10,000 and the balance rate is 30%, then save 30,000 this year, 30,000 next year and 60,000 every two years? That's a failure. This year's 30,000 yuan has its own value. Let it become more money next year, and your savings will really have meaning: the time value of money. Everyone knows the amazing power of compound interest. If you work well in Qian Shengqian, you will save money faster and your life will change more. Let's talk in detail about how to stick to Qian Shengqian.

Second, the secret of saving money faster is to adhere to your own investment discipline.

If we want Qian Shengqian to be faster, we must strive for a higher return on investment. You must say: of course I know that the higher the return on investment, the faster I will save money. The problem is how to get a higher return on investment. In fact, if you want to get a higher rate of return, you can't "rub" a good market overnight, but you must adhere to your own investment discipline and master the correct method. Stick to it and there will be successful results.

The correct method and investment discipline should be like this:

1. Starting from its own liquidity needs and taking its own risk tolerance as the bottom line, choose appropriate investment products and investment methods.

2. Choose diversified investment products, allocate assets and spread overall risks.

3. For high-risk investment varieties (such as stocks and funds), the fixed investment method is preferred.

Third, insisting on saving money also requires continuous learning and regular resumption.

Having said all this, I wonder if you still find it easy to keep saving money? In fact, in order to make persistence more meaningful and save money more interesting, it is inseparable from continuous learning and regular resumption.

1. Keep learning and constantly improve your ability to save and manage money.

Social development is always inseparable from financial innovation, and the emerging new wealth management products will help us open the door to wealth. At the age of 20, you may take bank financing as the main battlefield. In a few years, you may try paper gold and convertible bonds to drive family assets into the fast lane of sustained growth. When you are more mature, you may play with trust, futures and art. In short, insisting on saving money is actually a process of encouraging yourself to continue learning, which is the meaning of persistence.

2. Re-quote on a regular basis and summarize frequently to make the plan of saving money more reasonable.

In a word, saving money is not only a good habit, but also a self-disciplined attitude towards life. For most families, in the face of various social pressures, many people may not have a lot of money balance, or even spend most of their time in debt. At present, the pressure of mortgage and car loan is still relatively large. If these problems can be well alleviated, it will be easier to save 654.38+10,000 yuan a year.

Summary: Fund Bean, Planner Jun, Zhongxin Jingwei

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