You can manage money with a monthly salary of 3,000 yuan, Qian Shengqian.
Zhang Ting is 25 years old and single. After graduating from college, she worked as a secretary in an enterprise in Beijing with a monthly salary of 3,000 yuan. In terms of expenses, Zhang Ting is not extravagant: in order to reduce the pressure of rent, she shared a house with her colleagues; In order to enjoy the discount of foreign fast food, I often wait for dinner with my friends after 8 pm; Seldom buy famous brands, but basically always change them into new ones? Staple food commodities? Even so? Frugality? But by the end of the month, Zhang Ting's salary had been spent, and there was no balance. She said that when I was first assigned to the company, I only had an internship allowance of 1500 per month, but there was still some balance at that time. Now my income has doubled, but I can't save any money. Where did all my money go?
Misunderstanding of spending money
Zhang Ting's monthly income is still 3000 yuan? Moonlight? The fundamental reason is the deviation of personal financial management and consumption concept, and I have not mastered some necessary financial management skills. To be sure, Zhang Ting's spending is not organized and planned, though it is not? Spend money like water. , but not? Careful calculation? . For example, she and her friends often wait until 8 o'clock in the evening to eat discounted foreign fast food, which seems very? Frugality? But even if foreign fast food is 50% off, can you catch up with cooking by yourself? Zhang Ting may not have famous brands to buy clothes, but the frequency of buying clothes is definitely high. Sometimes, it's cheap and discounted. Buy one today, throw it away in two days, and buy it tomorrow. Why don't you press it? Less but better? A lot of similar consumption misunderstandings can be found in the principle of appropriate purchase.
Rong Er suggested.
& gt& gt Live within our means and keep abreast of our financial situation. As the saying goes? Money is a man's courage? If you have no money or earn less money, the desire for all kinds of consumption will naturally be small. With money in hand, the desire for consumption will expand immediately. Therefore, singles should control their consumption desires, especially to establish financial management files to record their monthly income and expenditure. Do you see it? Spend money like water? Where did it go? See which expenses are essential, which are dispensable and which are not. And then decrease month by month? Dispensable? And then what? Shouldn't there be? Consumption. At the same time, you can use the salary passbook to open online banking, check the balance at any time, know your own funds like the back of your hand, and adjust your consumption behavior according to the balance of the passbook at any time.
& gt& gt Compulsory savings and gradual accumulation.
First, open a fixed deposit and withdrawal account in the bank, and get paid every month, giving priority to bank deposits; If the deposit amount is large, you can also deposit a one-year certificate of deposit every month, and you can accumulate 12 certificates of deposit after one year, so you can withdraw money very conveniently when you need it. Besides, many banks are open now? The U/S business can be authorized to the bank. As long as the amount of the salary passbook reaches RMB, the bank can automatically convert a certain amount into a time deposit. Mandatory savings? The new method can help you get rid of the habit of spending money recklessly, thus accumulating personal assets.
& gt& gt Take the initiative to invest, kill three birds with one stone.
If the value of local houses is moderate and the real estate has certain appreciation potential, you can apply for mortgage loans and buy commercial houses or second-hand houses. In this way, the principal and interest of the loan must be repaid first every month, and the disposable funds can be reduced, which can not only change the bad habit of spending money indiscriminately, save the expenses of renting houses, but also enjoy the benefits brought by the appreciation of real estate, which can be described as killing two birds with one stone. In addition, it is worthwhile for singles to invest a certain amount of money in national debt and open-end funds every month.
& gt& gt Do it yourself and have plenty of food and clothing.
Just like Zhang Ting, eating fast food and restaurants is a common problem for some singles, and their expenses sometimes account for one-third of their monthly income. It is suggested that singles learn cooking knowledge and can buy their favorite vegetables or semi-finished products for processing after work, which can not only save money, but also practice their skills and enjoy it? Do it yourself, have plenty of food and clothing? The joy of life.
& gt& gt Use credit cards carefully to avoid being cheated? Negative Weng? .
Credit card consumption has increasingly become a symbol of fashion and petty bourgeoisie, but not everyone is suitable for using credit cards, especially for singles who spend too much money. Gently swiping the card often masks excessive consumption; In addition, the overdraft function of credit cards should also be used with caution, because overdraft can not only save money, but also become? Negative Weng? This is not worth the loss.
& gt& gt resist the temptation of various preferential promotions.
In recent years, there are many kinds of business promotions, such as 55% off 100, VIP loyalty cards, etc., which make many young people miserable. Shopping spree? In particular, many calculating women are afraid of missing the opportunity of preferential treatment. They often ignore their own needs, do not measure the comprehensive cost of shopping, and get into the condom set by the merchants with their eyes open. Therefore, singles should consider before over-spending: Is the VIP card bought by shopping in large quantities saving money or wasting money? Your own consumption rationality?
How can a small family with a monthly income of 3,000 yuan achieve economic independence?
Standing at the age of 30, I recently met and chatted with my colleagues and friends. The topic can't escape from the house, tickets and children.
The author's deepest feeling is that it is very difficult for small families with limited income to be economically independent. Why do you say that? Look at two examples around me.
Little a, man. Married with a boy. My wife is pregnant with a second child, and she is currently resigning at home, with a house, no car and no loan. The nature of work in the system, the monthly income is about 3000 yuan, and the year-end performance plus bonus is about 20 thousand yuan.
When his wife went to work, they were both there? Moonlight clan? . The lack of savings at that time did not affect their quality of life. However, since his wife resigned after she was pregnant with a second child, the family relied on his monthly fixed income, and the money was obviously not enough, and the contradiction between husband and wife surged.
The young couple have been married for seven years and have no savings. It seems that there is no problem in a small city. Xiao said that his small city doesn't cost much, and 3000 yuan can support the daily life of a family of three. Eating and drinking is not a problem, but buying some clothes and going out to a restaurant for a few times is probably only? Moonlight? Even if you are heavily in debt.
Small ah is also very depressed, often annoyed that he can't rely on a big man to support his family. Finally, Xiao's parents gave him 6.5438 million yuan, but warned him that this was the last time to take money from home.
Xiao is the only child in the family, and it is common for parents to help. This time, under the pressure of his parents, he himself made up his mind to be independent and dared not spend another 654.38 million yuan.
Little B, madam. There is a boy who is married and has just given birth to a second child. His family is happy. The condition of her family is better than that of Xiao, because Xiao B and his wife are both stable jobs. Husband and wife Xiao B earn about 8,000 yuan a month, and they have 30,000-40,000 yuan of performance bonus income at the end of the year.
After several years of marriage, I saved about 654.38+ 10,000 yuan. Recently, Xiao B spent 70,000 yuan on a car. Little B's two children, the boss goes to public kindergarten, and the expenses are not big; The second child needs a nanny, 2500 yuan per month, or the friendship price of relatives, the market price is about 3000 yuan. This leaves 5,000 yuan a month for the daily expenses and car maintenance of a family of four.
Xiao B said that before the baby was born, the family's money could still be balanced by half, and now it is impossible to save money every month. However, she said with a little relief: Grandparents can't help to look after the children, and they will give us a subsidy of 20,000 yuan every year, and at the end of the year. ?
Neither of the two small families is rich, but the second one is very happy. Xiao said that grandparents are willing to give up, but fortunately, the boss is basically the burden of the elderly, otherwise the cost of private kindergartens really can't afford it.
Who is little B? Accident? Pregnant, she has a good attitude, and she wants to bring up the child. Besides, she can't think too much about money.
The author once despised Xiao, a young man who always counted on his parents' pension. But calm down and think about it, he is doing a stable job, job-hopping is not an overnight thing, and there is no good channel for open source. He has never lived a hard life since he was a child, nor can he scrimp and save. How can he live this life without the help of his parents?
Xiao B is a rural girl, but she usually scrimps and saves. But now it's too expensive, and she's a little devastated: I can't save any money anyway. Let's live every day. ? The author knows that her husband's family is well-off, and the pensions of several houses and in-laws are higher than those of the young couple. If the two people still maintain the status quo, the future growth education of the two children still needs the help of their parents.
Young people in small cities seem to live comfortably, but they are not. I don't earn much, I don't spend much, and I am close to my parents. Many people live in the same neighborhood as their parents, so the economic relationship between Dachuan's parents is unclear. Most of the houses and cars are provided by parents, and some young people's children are also raised by parents, but how can they be independent?
How can these people support themselves when their parents get old without their help?
The author thinks that if someone helps you, you should be infinitely grateful. This generation of parents is not easy, don't take it for granted. If no one helps you, don't be depressed. Need an old man? He who runs too long can't run by himself. Life is very long. After all, parents can't stay with them all their lives. The road still depends on themselves.
In view of the above two situations, the author has three financial suggestions:
1. Don't use existing deposits under any circumstances.
A small deposit of 654.38+10,000 yuan cannot be used for general consumption in any case. This 654.38+ten thousand yuan is the first bucket of gold for small families, which plays an important role in wealth appreciation. If the annual interest rate of 10% can be realized, the money will become 260,000 yuan after 10, 670,000 yuan after 20 years and 1.74 million yuan after 30 years.
Xiao B's family has already bought a car, so it is unrealistic to return it. However, the existing deposit of 30,000 yuan must be firmly grasped and must not be easily spent because of unimportant consumption matters. If you need money, use it, that is? Laying eggs? what's up Golden goose? The more you eat, the smaller you become. It's really sitting on the mountain and watching the tigers fight.
To keep the principal of financial management, one is to leave the seeds of small family wealth accumulation, and the other is to experience? Qian Shengqian? The pleasure of understanding the great role of compound interest. And encourage yourself to go further with small financial achievements, which is of great significance to realize wealth accumulation and ultimate wealth freedom.
2. No matter how hard it is, we should save 10% of our income and gradually increase it to 20% and 30%.
Open source and reduce expenditure is the first step in financial management. Some people's income is already facing the ceiling, and the growth is relatively slow. If there is no good open source project, we can only rely on throttling and compulsory saving.
In fact, if the monthly expenditure is reduced by 10%, it will not cause a qualitative change to the living standard.
At present, it is difficult for small families to make ends meet, and it is difficult to maintain only one person's income. It is almost impossible to accumulate wealth. If another person in the family doesn't work, it is easy to cause family conflicts. So I suggest my wife give birth to a baby for half a year before going out to work.
Mr. and Mrs. B's moonlight situation can be completely changed now. The monthly income is 8000, 10% is 800. According to the current consumption level, how much can be done?
First of all, Mr. and Mrs. B each buy one less dress. If you can save 800 yuan every month, you will get an appropriate 6,543.8+0,000 yuan after one year.
Don't underestimate this 1 000 yuan. Once there is urgent money at home, the money will come in handy. If it is not used, it will save 1 0,000 yuan per year. According to the annualized rate of return of 10%, it will become 570,000 yuan after 20 years, and the children's education funds will be guaranteed to some extent.
Financial management, the most fundamental thing is to have money to manage. Without deposits, there is no way to manage money. Single? Moonlight? Understandable, but with family, especially children, are you still willful? Moonlight? This is irresponsible. The education of children, the support for the elderly and their relatively dignified retirement all require a considerable amount of wealth accumulation.
3. Postpone the purchase of luxury goods, such as watches and cars.
Small. I used to have a lot of money, 1 ten thousand yuan. Both husband and wife are working, and without children, they have a little balance, which is easy to deposit in 1000 yuan. However, the small 1000 RMB never exists in his account permanently, because he wants to buy things when he has money.
A watch, 5000 yuan, a jade bracelet for my wife, 1000 yuan, and a trip of 5000 yuan. The money came and went quietly, and I never got along with him.
Xiao B saves money on weekdays, but Xiao B's husband wants to buy a car, and finally he has a deposit of 65,438+10,000, 70% of which is used to buy a car. The subsequent car maintenance cost is conservatively estimated to be 65,438+0,000 yuan per year, not counting the fact that the car has depreciated by 65,438+00%.
It can be said that it is late to buy a car for a small family with low income? 65438+ ten thousand yuan club? Five years.
There is a formula about financial management that we must keep in mind, that is: freedom = ability-desire. It doesn't mean that if you earn more, you will be richer, and if you earn less, you may realize wealth freedom.
The key is to measure two key points, one is how big our ability to make money, and the other is how small our desire can be.
Four wealth philosophies keep you away from poverty.
If you are a low-income group with many desires, have you ever thought about changing the status quo, accumulating wealth and realizing freedom from now on? Reading the following wealth philosophy may inspire you.
1. Turn the living expenses into the first capital.
A man spent 100 yuan to buy 50 pairs of slippers, and each pair was sold to 3 yuan, and he got 150 yuan. The other person receives a monthly living allowance of 100 yuan, all of which is used to buy daily necessities.
The same is 100 yuan, and the previous 100 yuan has been added to the capital through operation. The latter 100 yuan has not changed in value, but only the living expenses.
The problem of the poor is that it is difficult for his money to change from living expenses to capital. He has no capital consciousness and no experience and skills in managing capital. Therefore, the poor can only remain poor.
Wealth philosophy: Desire is the greatest motivation in life. Only those who are eager for wealth and enjoy making money in the investment process can turn the cost of living into? First capital? At the same time, accumulate capital consciousness and experience and skills in managing capital, and achieve final success.
The first few years are the most difficult.
In fact, the hardest time for the poor to get rich is the first few years. There is a law of wealth: if it takes 10 years for a self-made person to earn the first million, it may take only five years to go from10 million to10 million, and then only three years from10 million to10 million.
This law of wealth tells us: because you have rich experience and start-up capital, just like a car, you have already started running, and the speed has increased. As soon as you step on the accelerator, the car will gallop like a fly. The first five years may be the hardest day, and then it will become more and more fun and easier.
Wealth philosophy: Not only do the poor have no capital, but the bigger problem is that they have no capital consciousness and no experience and skills in managing capital. If the poor people's money does not become capital, they will only continue to be poor.
3. Investment in one's own capabilities
A great man once said a word to the effect that the value of a person is not what he takes from society, but what he contributes.
In contrast, distribution according to work is not distribution according to your labor, but production of more value. As long as you are willing, the stronger your working ability and the more value you create, the more likely you are to get a high income.
More work is more quality than quantity, and the most fundamental investment of the poor is their own ability.
Wealth philosophy: When it comes to capitalists, the poor associate them with people who exploit the surplus labor value of workers, and naturally there is a kind of resistance in their hearts. In fact, you can be one of them if you want? Capitalist? The capital market is open to everyone, including your share of the world. The biggest? Capital? It is an investment in one's own ability.
Education is the biggest investment.
Academic qualifications are only proof of general education, and what you learn in school is only some comprehensive basic knowledge, which people need to learn all their lives.
Wealth philosophy: Education is the biggest investment. For many poor people, their fate is closely related to their education level. Because poverty is not a crime, but poor people must bear the consequences.