In 2023, there will be structural inflation in my country, and many commodities related to people's livelihood are in. The ** of vegetables, fruits, edible oil, household paper and other items has been high. Many people will choose to spend money because of the low interest rate on bank deposits, but in the context of high inflation, residents' consumption spending will also rise significantly. So if we can control our consumption, save that money, and spend when inflation comes down, we will be able to buy more goods.
This is very important at both the individual and family levels. When faced with inflation and economic pressures, it is a wise choice to appropriately reduce unnecessary consumption and carry out rational consumption planning. For example, lifestyle optimization, reducing brand spending, choosing affordable products, and encouraging people to develop good saving and investment Xi to cope with possible future economic challenges.
In the past, many people thought that there would be several in the real estate market.
The differentiation of housing prices in first- and second-tier cities, and housing prices in other cities. However, as we enter 2023, we find that house prices in first-tier cities are also starting to be**. In Shanghai, for example, housing prices in the central city have dropped from 100,000 square meters in 2021 to 60,000-70,000 square meters today, and even as low as 50,000 square meters. This means that there is also a possibility that housing prices in first-tier cities will be substantial**, and the real estate bubble may also burst.
Therefore, it is wise not to buy a property again. If you enter the market at the current high point, you are likely to become a "pick-up man" and fall into the risk of being trapped at a historical high. After years of the real estate boom, it's time to stay calm and not blindly chase house prices, but to consider the risks and opportunities of the real estate market and choose a more prudent investment approach.
At present, many families are burdened with a large amount of debt, such as housing loans, car loans, consumer loans, etc. However, in the current unfavorable environment, it is advisable to avoid piling up too much debt. Because too much debt increases the risk, you may face the dilemma of not being able to repay your debts in the event of a business failure or job loss.
Therefore, we should pay off our debts as soon as possible and get rid of the shackles of debt. Keeping the debt burden low in the face of future economic instability is conducive to the economic stability and security of individuals and families.
At present, many young people are considering using their family savings to start a business because of the difficulty of finding a job. They hope to realize their dream of becoming a boss by starting a business. However, in fact, the probability of entrepreneurial success is quite low. There are two main reasons why many people fail: on the one hand, many traditional industries have serious overcapacity, homogeneous competition is fierce, and the probability of success of new players is low;On the other hand, after experiencing the pandemic, many people's incomes have decreased, and consumer demand has also shrunk.
Therefore, we should be cautious about entrepreneurial choices. When considering starting a business, it is important to fully assess the market prospects, competitive pressures, and personal capabilities. At the same time, it is also necessary to have sufficient preparation and knowledge reserves, do not be blindly impulsive, and reduce the risk of entrepreneurship.
In the face of declining bank deposit rates, many people choose to invest their funds in wealth management products. However, the result of most people's investment and financial management is often the loss of principal, mainly due to two reasons: on the one hand, the current investment environment is not good, ** fell below 3000 points, ** large-scale losses, and bank wealth management products are no longer guaranteed principal and interest;On the other hand, most people lack investment knowledge and experience, blindly invest in high-risk varieties, and the possibility of loss increases.
Therefore, although bank deposit rates continue to fall, for many people, it is the most important thing to ensure the safety of principal and interest. When investing, you should choose an investment method that suits you according to your risk tolerance and knowledge level to reduce investment risks.
To sum up, to prepare for "asset depreciation" next year, we need to pay attention not to over-consume, avoid blindly investing in buying houses, accumulating debts, and be cautious in starting a business and rational investment and financial management. Only by doing a good job of financial planning can we maintain stability and security in the face of an uncertain economic environment. As for individuals, it is important to think rationally and make informed decisions based on their own circumstances to cope with future challenges and changes.