Talking to a friend the other day, I said that her father was injured in an accident and was hospitalized for surgery, which cost a lot of money. Because I work for someone I know, I'm embarrassed to ask for compensation, and I bear all the expenses. Because of this accident, I wanted to leave my job before, but now I don't dare to mention it.
This year, everyone said that it is difficult to make money, salary cuts are common, and some friends have a monthly salary of more than 10,000 yuan in previous years, and now they only have about 6,000 yuan, as well as mortgages and car loans, as well as children, plus daily expenses, it costs more than 10,000 yuan a month. If you are really sick, or injured in an accident and need to be hospitalized for surgery, it is really worse for an ordinary family.
Protecting and saving money is the best way for ordinary people to cope with difficulties.
Protection is insurance. If you are sick and it costs tens of thousands, or even hundreds of thousands, and you feel that you have no way to come up with this money, it is really recommended to buy insurance. In the countryside, you should buy the new agricultural cooperative system, my parents they buy, it seems to be a few hundred dollars a year. If you work in the city, the company will buy social security, which is required by law to buy. Don't feel that you won't use it, it's a waste of money to buy insurance now, and don't be reluctant to spend these small money, this is to protect that if something really happens in the future, it can come in handy and relieve the pressure of life.
I have met some people who feel that it is not worth spending a few hundred yuan a month to pay social security, so they do not pay. Tomorrow or the accident, which will come first, I don't know. I have also seen a lot of money spent a lot of money on hospitalization because of no medical insurance, and I couldn't take it out at once, so I could only borrow money and turn to the Internet for help.
NCMS, social security must be bought. On the basis of ability, you can buy commercial insurance by yourself. Commercial insurance is much more expensive than social security, if I buy it for myself and my parents, I myself am medical insurance and critical illness insurance, and my parents can only buy medical insurance because of their age, and if you pay it annually, it adds up to about 7,000 to 8,000.
Because there are many matters involved in commercial insurance, I feel that there are many pitfalls, so don't buy it casually, but understand insurance knowledge. The focus is on medical insurance, critical illness insurance, and accident insurance. Life insurance, as well as that kind of property insurance, depends on the individual's financial ability and family role. Both adults and children should be protected.
After taking good care of it, don't leave your savings behind.
You don't have to have a high income to save money. It is because of the low salary that it is more important to save money. Because of the low salary and low income, if there is really a little accident, but you can't get the money.
I'd like to share a little bit of my experience in saving moneyBe sure to follow the principle of saving first and then spending.
The first thing to do when you get your salary is to deposit a part of the money from your payroll card to another card or other account, and then think about tips and what to buy.
I am Xi to using Wealth Management, buy currency**, you can take it and use it at any time. Although the interest rate is very low now, it is good to be able to earn breakfast money every day. I used to buy it casually on the mobile banking app, but when I needed to use the money, it happened to be a weekend, and it took several days to withdraw it, which was really inconvenient.
The proportion of money saved, if the salary is a little higher, you can save 50% or more, if the salary is low, the proportion can be lower, 20% can be.
There is also a distinction in spending money, which is divided into necessary and wanted. Necessary consumption is understood as the purchase of things that cost money, such as rent, water and electricity, food, and daily necessities. If you want anything like makeup, clothes, jewelry, coffee, milk tea, you can't buy it. Even if you drink a few cups of milk tea less every month, you can save more than 100 yuan.
You also have to keep accounts, how much money you spend every day, and what you buy, all of which are recorded。Even if it's a necessary expense, it can be optimized. For example, if your rent, water and electricity account for a high ratio of salary income, you can also consider whether water and electricity are too wasteful, or you can consider changing houses. Only by keeping accounts can we know whether our consumption is reasonable.
I didn't have the Xi of bookkeeping before, and I had no concept of spending money, but I just felt why I worked for several years and had no money. After keeping accounts, I realized that some money was spent meaninglessly.
Later, I insisted on saving money first and then spending, and then slowly saved a little money, although it was not much, but because I had already done a good job, even if I didn't have a job for the time being, I didn't feel very panicked.
The economy is in a downturn, and it is difficult to make money, but it is possible to protect and save money.