For ordinary wage earners, there are too few opportunities for open source, and the usual work has occupied most of the time, and then share some experience with families and children, leaving little time for themselves to expand, and for the vast majority of people, "throttling" is easier to do.
As we all know, the situation in the past few years is not optimistic, coupled with the real estate market bubble, everyone really has to weigh the money in their hands before they can spend it.
In the past few years, I believe that the biggest feeling of ordinary people is that prices are rising, but wages are lying in place. Many new lifestyles have begun to quietly become popular, such as the more popular "minimalism" on the Internet, which can be said to be a product of the current economic environment, some people have nothing at home, only keep a limited number of furniture, clothing, etc., and some people try to avoid consumption. In fact, minimalism is not only a life attitude, but also really saves a lot of unnecessary expenses.
First of all, for families with children, the cost of various training courses is definitely a significant expense. In the past, as long as the child was interested, many parents closed their eyes to report, always feeling that they couldn't lose their children, and tens of thousands of dollars at a time were spent like this.
Actually, to be honest, let's not talk about the ** question, in fact, children are curious about all kinds of things at the beginning, so after a trial class, you just simply ask the child: Is it fun?Interested?Want to learn?Something like that......It's definitely "nonsense", the secret here is that you should not sign up immediately after the first experience class, which can not only avoid impulsive consumption, but also increase the chance of consideration, even if you really want to report, you should compare more, and at the same time communicate with the child to avoid that after signing up for class, the child can not insist and waste in vain.
Some parents may say that I cultivate their children's interests. If you are a wealthy family, it is absolutely fine to have this kind of thinking, but for the working class, this is undoubtedly a "point of no return", and your financial resources cannot support your idea at all. Therefore, in terms of the cultivation of hobbies, I think it is better to be a little "powerful".
Before, on the Internet, there were a lot of ** takeaway brothers playing the piano, it is not excluded that there are takeaways among these people simply to experience life, but the vast majority of them should still be for life, so for ordinary people, this hobby, really can only be regarded as a hobby, you are a migrant worker who can "play the piano", that's all, you have no chance to "forward" further!
In terms of living expenses, you can make full use of the life welfare activities of major banks, which have a lot to share on the Internet, food, clothing and travel, all kinds of discounts, before buying something, see if there are any preferential activities, although it is a bit of a waste of time, but if this part of the time can not be used to create more value, you can only spend it on "saving".
Finally, you can start to learn financial management, of course, the current financial market can be said to be "gloomy", but entry-level financial management, income is still OK, now the bank deposit interest rate has been falling, money in the hand, can only be more and more depreciation, you must find a way to make your money "flow", let your money to help you make money.
Let money flow between different banks, banks generally have financial management or deposit activities, such as between the number and the number, the purchase of a financial product or the promotion of how many assets, how many additional rewards can be obtained, generally vouchers, instant reductions and the like, which is equivalent to increasing the income of your financial management in disguise, this part of the income and your financial income combined, the rate of return is quite objective.
The most important thing to overcome here is the fear consciousness, some people are not familiar with the application of various networks and apps, and some people do not know much about bank financial management, which all need to be overcome by ourselves, and strive to learn and improve.
Read more financial management books, for the improvement of their thinking level is still helpful, some classic financial books everyone can start to read, some can be read with children, such as "Poor Dad, Rich Dad" series, "Puppy Money" and so on, after all, financial quotient, the sooner you get in touch, the better!Many families avoid talking about money in front of their children, in fact, it is completely unnecessary, you can start with the distribution of pocket money, let him understand the purpose of money, set up some interesting games, and improve financial thinking together.
There is also a "knowledge point", block whose news, don't block the bank's information, let it be sent, the more you read, the more you understand!Start planning for my 2024