As we all know, with the rapid improvement of the country's economy, the income level of the common people is also increasing. However, according to relevant data, the income of most Chinese people is still maintained at about 4,000 yuan. After solving the basic expenses for each month, all the balance in hand is not much.But there are still netizens who hope that with a monthly income of 4,000 yuan, they can also save 100,000 yuan a year. But after calculations, this is not an easy task at all. After all, no matter how you save in life, the maximum income in a year is only 480,000 yuan. If you break the inherent thinking, it is not impossible to accumulate 100,000 yuan of savings a year by relying on a monthly income of 4,000 yuan. Read on!
1. Throttling. The first thing ordinary people need to do to accumulate wealth is to throttle, that is to say, before they have extra energy and ability to open up more income**, throttling is the best way to accumulate wealth. It is important to understand that no matter in that era, money was a relatively scarce resource for ordinary people, so saving money is not a shameful behavior, but a respect for the fruits of one's labor.
Therefore, if you want to accumulate wealth, you must make a detailed plan for your monthly salary, avoid some unnecessary expenses, control your spending, and restrain your desire to spend. At the same time, we should also pay attention to the accumulation of funds, and understand the effect of gathering sand into a tower, and the meaning of accumulating a lot, even if you save a dollar a day, you can accumulate 365 yuan a year.
After accumulating the next bit of savings through the act of throttling, we can begin to implement the second step of wealth accumulation: "open source"!
2. Open source. The meaning of open source is also very simple, that is, to allow yourself to have one or more income in addition to salary. While there are many ways in society that can help residents achieve an extra income**, none of them have the ease of making money.
You must know that when the savings in your hands reach a certain level, you can store the money in the bank, and the residents will be able to live a flat life. In the same way, residents can also help to accumulate and increase their wealth.
For example, we have accumulated 40,000 yuan of savings through two years of throttling, and with the help of different channels, we can get different returns.
For example, bank deposits, calculated at an annualized interest rate of 3%, can receive an income of 1,200 yuan per year. Although the savings still do not reach 100,000 yuan, at least this direction will be easy, according to this thinking, we can try some stable financial direction;
Of course, you can also take advantage of the direction of policy support, for example, under the promotion of the stable foreign trade policy, the foreign trade economic consignment built will be divided into 400 yuan for 40,000 yuan in 30 days, and 4,800 yuan will be shared in a yearThe yield is higher than keeping money in the bank.
In addition, for people with a particularly good investment vision, they can also use 4,000 yuan to invest, and after a long period of stable investment returns, they can also achieve an annual return of 100,000 yuan.
But whether it is suitable for ordinary people to accumulate 100,000 yuan of savings a year in the way of long-term open source and cost reduction;It is impossible for people with excellent investment vision to achieve a deposit of 100,000 yuan in just one year, which takes time to achieve.
In short, for ordinary people, wealth needs to be accumulated, not in one step. Learning to manage money is also to help residents achieve this goal more quickly. So what are your thoughts on this issue?