In the current environment of structural inflation, consumer goods are constantly being consumed. Vegetables, fruits, edible oil, household paper and other daily necessities are high. Although the deposit interest rate is getting lower and lower, in the case of high inflation, residents' consumption spending will also increase significantly. Therefore, we should be cautious in our spending, control the tendency to overspend, and use the money we save for more meaningful investments or savings. When inflation comes down, we will be able to buy more goods and enjoy a better quality of life.
In the past, many people thought that it was a minority.
Housing prices in first- and second-tier cities will be **, while housing prices in most cities will be**. However, after entering 2023, not only the housing prices in first-tier cities have begun to **, but even the housing prices in some central urban areas have also decreased significantly. Taking Shanghai as an example, housing prices in the central urban area have dropped from more than 100,000 square meters at the peak to 60,000 to 70,000 square meters or even 50,000 square meters now. This means that housing prices in the central areas of first-tier cities will also be sharply **, and the real estate bubble will also burst. Therefore, those planning to invest in property should proceed with caution to avoid taking over at historically high levels and getting caught in the risk of house prices**.
At present, many families are burdened with a large amount of debt, mainly housing loans, car loans, consumer loans, etc. However, in the current recession, we should try to avoid excessive debt accumulation. If we have too much debt, we will not be able to make ends meet, let alone pay our debts, if we encounter a business failure or lose our job. Therefore, we should repay our debts in a timely manner, reduce our burdens, and maintain economic stability and health.
Nowadays, many young people are considering using their family savings for many years to start a business due to difficulties in finding employment. However, in fact, the probability of entrepreneurial success is very low. At present, many traditional industries have serious overcapacity, fierce competition in the same industry, and the probability of success for those who have just entered these industries is also very low. In addition, after the pandemic, many people's incomes have decreased, and consumer demand has shrunk. Therefore, the ease of starting a business is likely to lead to poverty as a result of starting a business. In the current economic environment, we need to be cautious about starting a business, better choose employment opportunities, and avoid economic risks.
Many people feel that the interest rate on bank deposits is getting lower and lower, and choose to take out their money for investment and financial management. However, most people often lose their principal as a result of their investment and financial management. First of all, the current investment environment is not optimistic, ** and ** have seen large-scale losses, and bank wealth management products are no longer guaranteed principal and interest. Secondly, many people lack financial knowledge and experience, blindly invest in high-risk varieties, and the risk of loss naturally increases. Therefore, despite the decline in bank deposit rates, for most people, deposits at least guarantee the safety of principal and interest.
2023 will be a difficult year for many people, facing problems such as reduced income, difficulty finding jobs, and housing prices**. Therefore, everyone is looking forward to a new situation in 2024. However, we also need to recognize that there may be more challenges and risks in the next year. The article mentions five things that we must not do. First of all, we should be cautious in our spending, control the tendency to overspend, and save money for future use. Secondly, invest carefully in real estate to avoid becoming a pick-up man. The bubble in the real estate market may burst, and investing in property is riskier. Third, don't pile up too much debt. In the current economic environment, it is necessary to reduce the debt burden as much as possible and maintain economic stability. Fourth, be cautious in starting a business to avoid poverty due to entrepreneurship. In the current competitive environment, the chances of entrepreneurial success are limited, and we need to choose employment opportunities carefully. Finally, manage your finances prudently and avoid investing blindly. In the current uncertain investment environment, we must choose a safe and reliable way to manage our finances. Next year will be a year full of challenges and opportunities, and we need to be prepared to face and grasp the opportunities rationally.