I believe many people have heard such a saying, that is, "there is food in your hands, and you don't panic in your heart". This sentence is to remind everyone to have a sense of planning ahead. Because of this, many older generations rush to deposit their spare money in the bank as long as they have spare money in their hands for a rainy day. Of course, keeping money in the bank is also a way of managing money, which can bring a sum of interest income.
In fact, since ancient times, thrift has always been the attitude of many residents of our country towards money. This can be confirmed by the fact that China has always been a world-famous savings country. However, for today's young people, this no longer seems to apply.
Towards the end of the year, many people were surprised when they checked their deposits, and after working hard for a year, not only did the money in the card not grow, but it was much less than at the beginning of the year. So, what is the reason why deposits are not increasing but falling?In this regard, insiders said that the "consumption trap" that is easy to be ignored in daily life will become rich and not rich.
1. Don't spend what you shouldn't spend.
There was once an etymology from a financial person's sharing, that is, the "latte effect", which simply means that inadvertent consumption adds up to form a large expense. For example, there is a couple who buy a latte every day when they go out, and after many years, they find that the total cost of latte alone has reached hundreds of thousands of yuan.
After reading the story of the "latte effect", I believe that many people have a similar Xi, although the unit price is only a dozen yuan, but from the bill of the whole year, they find a lot of expenses with a unit price of more than ten yuan. In addition, there will be some items that follow the trend but are not used, which undoubtedly costs a lot of money that should not be spent.
2. Other provinces that should not be provincial.
The story of the "latte effect" also reflects that effective consumption and rational consumption can make money meet real needs and services. Previously, in a survey of hundreds of millionaires, 62% of them were able to tell how much their family spends in a year. This also shows that rich people know how to spend their money wisely.
In addition, from last year's high-net-worth people's values report, it can be known that people who are worth more than 6 million at the moment want to have a strong body and are willing to invest more than 40% of their assets. It can be seen that investing in yourself is a business that is sure to make money without losing money.
3. Improper "** poverty".
The so-called "** poor population" is actually such a group of people in the current society, who work decently and dress gorgeously, but have no savings. Because these people are easily attracted to something and will also pay for it. The end result is that the desire grows, and the deposit becomes less and less. It can also lead to a loss of resilience and the risk of falling into trouble if they encounter the unexpected.
Fourth, control wealth.
If you want to become a real rich person, you need to have the thinking of a rich person, be able to restrain your desire to spend, pay attention to saving money, and also know how to spend money. First of all, don't buy it if you don't just need it, and use the money where you need it to make it worthwhile. Second, regularly keep accounts and review to clarify where the money goes, so as to adjust your consumption Xi in time and make consumption more rational and easy.
Finally, learn how to save money and divide your monthly income into three equal parts: living expenses, savings, and investment and financial management. In particular, investment and wealth management can be made through bank fixed deposits, treasury bonds, and regular investmentOr some foreign trade economic consignment sales innovated under policy support, sharing 1% of profits every 30 days, etc., thereby bringing more income and helping to accumulate more wealth.
In short, whether a person is rich or not depends not only on the ability to make money, but also on how they spend. Daily life is not only full of all kinds of **, but also mixed with all kinds of uncertainties, so the next second of happy consumption is likely to fall into the brink of collapse. Therefore, changing Xi and saving money can bring a sense of security.