Do you have any tips for saving money or managing money?

On this big day, I believe many people are very happy and full of expectations, and have made their own plans to save money for the new year.

Other people's New Year's resolutions are like this:

In 2022, I will read 100 books!

"I want to lose ten pounds and manage my body!"

"I want to save money and become a little rich!"

"I want to learn floral art, guitar and handicrafts and be an excellent craftsman!"

Your New Year's resolution is this:

"It is planned to complete the unfinished work in 20021year in 2022.

It was originally planned to be completed in 2020.

20 19. "

20021According to the data in the Post-90s Saving Report released by China New Economic Research Institute and Alipay, 92% of the post-90s will have a monthly balance, and 80% of them will manage their finances.

"At the same time, you can take courses recommended by Ai Cai Tang Xue, a financial education brand owned by BT College, a well-known online education company. It was established in July, 20 19, and developed a financial management course that everyone can learn. Different courses have been set up for users who have no financial foundation and need to learn professional knowledge to practice, thus popularizing the concepts and methods of investment and financial management. The product promoted this time is Ai Cai Tang Xue Financial Training Camp, which lasts for 10- 14 days, including the teaching team led by Mr. Jack, a finance professor who has taught in Peking University for 8 years, leading famous schools and returnees with excellent professional knowledge and strong academic spirit, and building a financial business school with all temperatures. The course mainly involves financial thinking, investment introduction, popular science and some practical knowledge such as funds, stocks and insurance, which can quickly help Xiaobai change his wealth concept and cultivate his financial habits. 10 day course includes 7 dry goods classes and additional knowledge supplements, and the daily study time is 10 minutes. High efficiency, easy to understand, morning reading and sharing in the morning and evening. It is equipped with a special financial tutor to teach and answer questions in the learning community, and you can also get financial planning through one-on-one private messages. Ai Cai Tang Xue hopes to help such people realize wealth freedom together: positive, willing to change the status quo through learning, establish the concept of financial management from scratch, improve their professional awareness, earn after-school income, and let Qian Shengqian bid farewell to the dead salary. In the end, I can live the life I want through financial management. "

Invest 0.0 1 yuan to learn the thinking of the rich and change your financial situation.

This phenomenon tells us that young people are more and more aware of saving money/managing money.

At the end of the year, when brushing the young people's year-end summary, Time Jun paid attention to Douban's "desperately saving money group", and there were quite a few friends who saved money: some secretly graduated from undergraduate courses for one and a half years, saving as much as 60,000 yuan, exceeding the goal of saving money, and saving a year's down payment on their own. ...

However, the awareness of saving money after 1990s is gradually rising, and many people still save money every year, and there is no money every year. How can we join the army of saving money?

Noguchi Yong, a super-popular MBA tutor in Japan, said: "No one can do without money. Ordinary people should master relevant financial knowledge and look at what people are used to from a new perspective."

In other words, knowing and learning some money-related knowledge, understanding the experience, habits and theories that affect people's judgment can make us make choices to a certain extent and make the money we spend more valuable.

In order to explore the truth that the New Year's savings plan is always broken, Time Jun hereby prepared today's savings plan article, so that young people can save their first bucket of gold!

Many friends also feel that their annual income is not low, but they can't afford food, clothing, housing and transportation, and they can't save much money in a year. Why is it so difficult to save money?

Be careful. Think carefully whether there is a "latte factor" in your daily consumption.

David Bach, a famous American financial expert, once put forward a very creative term "latte factor": a couple must drink a latte every morning. A latte seems inexpensive, but after 30 years, the couple spent a total of 700,000 yuan on the fixed latte this morning.

Simply put, the latte factor is a habitual and recurrent expenditure that is as dispensable as buying coffee in our daily life.

For example, TA drinks milk tea or eats desserts every day, buys a bunch of lipstick that won't be applied, and hoards inexhaustible daily necessities. ......

As long as such things can bring you great pleasure, even if the pleasure is short-lived and the price is within the expected range, you can continue this pleasure by buying and accumulating quantities.

Therefore, the sooner we know ourselves and analyze our income and consumption, the sooner we can find out where all the money we earn has gone, and the sooner we can save our first bucket of gold!