As 2023 approaches, the topic of deposits tugs at people's heartstrings again and again. For young people, the amount of savings they have has become a measure of whether they can get by. So how much deposit is enough to get by?Relevant institutions conducted a survey of 1,852 young people and found that the proportion of young people with savings of less than 10,000 yuan was as high as 215%;The proportion of deposits below 100,000 yuan is 537%;The proportion of deposits below 200,000 yuan is 689%;The proportion of deposits below 300,000 yuan is 793%。Judging from the data, as long as the savings of young people exceed 300,000 yuan, it exceeds 80% of their peers. This figure raises suspicions, after all, in the first three quarters, residents' deposits increased by 14 trillion yuan, and per capita deposits reached 9640,000 yuan. As the main force of making money, shouldn't it be a very simple thing for young people to deposit more than 300,000 yuan?
However, according to data released by the central bank, in the first three quarters of 2023, the total deposits of residents have exceeded 135 trillion yuan, and the per capita deposits have exceeded 90,000 yuan. But most young people don't meet this requirement, and they're saddled with millions of dollars in debt. According to data from the central bank and the National Asset and Liability Research Center, the growth rate of household liabilities reached 92 per cent, indicating a gradual increase in the number of people in debt.
For young families, the main debt they face after marriage is the mortgage. Whether it's a first-tier city, a second- or third-tier city, or even a small county, buying a house usually requires emptying six wallets and saddling 30 years of debt. In addition, the spending habits of young people are also changing, and the introduction of micro-lending platforms has made it easier for young people to go into debt. To a certain extent, this has increased the difficulty for young people to save enough 300,000 yuan in savings.
However, how did those young people who were able to save enough 300,000 yuan in savings do it?In fact, saving money is not difficult, you just need to remember three things: develop the habit of bookkeeping, ways to increase your income, and learn how to manage money. Bookkeeping not only provides insight into your daily expenses and income, but also allows you to make adjustments to save money and increase your income. There are many ways to increase your income, such as starting a side hustle and monetizing your hobbies. The most important thing is to learn how to manage money, and distribute and increase wealth reasonably, so as to achieve the growth of savings.
The benefits of having a deposit are self-evident, when encountering grievances in the workplace, people with savings can choose to leave, rely on savings to survive the window period, do not have to worry about the problem of firewood, rice, oil and salt, and do not have to worry about not being able to pay the rent next month. In addition, people with deposits also have more freedom when shopping and can buy what they like as much as they want. Of course, with a deposit, you can also choose to travel as you like and enjoy a free life. Especially in this day and age, not having money can make life difficult. Many people are unable to help their families because they do not have savings, or because they do not have enough savings, resulting in a decline in the standard of living of their families. These facts show that it is not easy to save enough money, but those who have saved money will find that the more money they save, the more freedom they have, and the more they save, the more confident they become.
All in all, the amount of savings has become one of the criteria for measuring whether young people can live a decent life. However, it is not easy for most young people to save enough to save 300,000 yuan, and they face problems such as debt pressure and high mortgages. However, the way to save money is simple, just develop the habit of keeping accounts, ways to increase your income, and learn how to manage money. When young people have savings, they can face difficulties more confidently in the workplace, and at the same time, they are more free to choose the lifestyle they like. However, it should be noted that saving money is not the only goal, we should also pay attention to the happiness of the family and the building of interpersonal relationships while pursuing wealth.