Recently, young people can be seen everywhere on major social platforms posting "pregnancy official announcement posts".
Doesn't it mean that everyone doesn't want to give birth? Why did the "fertility tide" suddenly come?
However, when I clicked into the post, I found out that they were just saving money by "pretending to be pregnant".
Although she is pregnant with a fake pregnancy, she is saving real gold**, I have to say that today's young people are really full of tricks in order to save money.
After 00, Xiaoding had a whim when surfing the Internet and decided to become a blogger who "pretended to save money to raise a baby".
So, she began to pretend that she was experiencing pregnancy, and saved the amount she needed to spend every day according to the pregnancy process, and updated it on her social ** account synchronously.
From pregnancy to prenatal checkup, she recorded every "expense" one by one, "20 yuan for pregnancy test, 25 yuan for folic acid, 300 yuan for prenatal checkup, and 150 yuan for pregnancy books."
Don't look at these expenditures are relatively fragmented, on the 53rd day of Xiaoding's "pregnancy", more than 2,500 have been saved in the account:
After Xiaoding's post became popular, more netizens also joined the money-saving brigade of "pretending to be pregnant".
However, as the "child" gets bigger and bigger, the expenses are more and more, and in 10 months, you have to "spend" tens of thousands, and some people are starting to be a little overwhelmed, so there are plots such as "** miscarriage" and other plots, and the money saving plan is terminated.
However, netizens have extended more difficult plans to continue to save money, such as pretending to raise kittens and puppies, pretending to be in love, pretending to fish and saving money, and so on.
This kind of "pretend game" that combines virtual and reality has become a money-saving experience for many young people, pretending to spend their money in a fantasy world, but actually saving up the money in their hands.
For some young people, saving money was originally a painful process, and through this interesting way, it is like playing "anesthesia" to make saving money more **.
So in addition to this way, what are the other practical tips for saving money?
Making up your mind to save money is a good start, and then try to make some changes in your actions to help you save money faster.
The first step is to sort out your daily consumption Xi, look through your past consumption records, understand where you spend your money every month, and see what money must be spent and what money can not be spent.
The second step is to try to change consumption Xi, reduce daily expenses, spend what should be spent, save what should not be spent, whether it is a cup of coffee or milk tea, once gathered, it may become the principal of our planning assets, and even help us achieve financial freedom.
The third step is to distribute the income reasonably, and after the monthly salary is received, divide it into two parts: a fixed amount of daily expenses and savings money.
The money for daily consumption is usually spent. It's not a way to save all the money you have saved, so how to arrange it? Here are 3 ideas for you to refer to:
1. "Special account" money saving method
Open a bank card specifically for saving money, and do not bind to a series of third-party payment platforms such as Alipay and WeChat.
This card can be used as our dream account or other special accounts, and we can save a small amount of money every month at a fixed time, and we can save a small goal before we know it, and the realization of our dreams is just around the corner.
2. "Ladder" money saving method
This method is more suitable for saving money for 1 3 years, first divide the spare money on hand into 3 parts and deposit it in the bank, and save it for 1 year, 2 years and 3 years respectively.
When the 1-year deposit matures, the money is exchanged for a 3-year tenor; After another year, the 2-year period expires, and if you don't need it urgently, you can continue to roll over the 3-year term, and this process can be operated in a circular manner.
From the third year onwards, a 3-year certificate of deposit expires every year, and if you need money, you can use the due money first, and you don't have to lose all the interest because you withdraw the money halfway.
It is equivalent to using the liquidity of 1 year and enjoying the high return of 3 year fixed deposit.
3. "Snowball" money saving method
This method is more suitable for spare money that will not be used for a long time, and can be put on increased whole life insurance, which has an expected compound interest return of close to 3%.
Save a sum of money regularly every year, and the money in the policy will compound year by year, and the longer you hold it, the more considerable the income will be.
Let's take the following to:Added more than 5For example, "28-year-old women, invest 20,000 yuan per year, with an average monthly investment of about 1,700 yuan, for 5 consecutive years", let's take a look at its benefits:
It can be seen that when she was 35 years old, the cash value exceeded the 100,000 premiums paid, and she began to see concrete benefits;
At this time, if there is a need for money, such as paying tuition fees for the baby or starting a business, etc., you can use part of the money through the insurance reduction function of the policy, and the remaining cash value will continue to increase.
Of course, if you don't have any need for money for the time being, you can continue to hold it so that the cash value of the policy can continue to compound and increase.
By the age of 60, the cash value of the policy has doubled, increasing to nearly 240,000, and this money can still be used as your own pension.
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What moment made you decide to save money?
Are you planning to get married, buying a car or a house, or is it a sudden pressure when you grow up?
Whatever the reason, it will eventually come back to the word "sense of security", although money cannot solve all problems, but it does provide us with a sense of security.
As the saying goes, eating well and dressing well are not as good as the numbers in the bank card.
Finally, I wish you all financial freedom as soon as possible!