Friends who know me well know that we have actually had a pretty sad year. My teammates were unemployed, my dad was sick, and it was quite difficult for a while. But we have slowly survived, and our family's savings rate has been significantly higher in the past two months.
Share a few more effective methods.
1. Family members support each other and will eventually get out of the predicament.
When the family is in a financial situation, it is useless to blame each other. The most important thing for the family to calm down and communicate well and see how to solve the problem is the most important thing.
I believe: "Husband and wife are of the same heart, and the loess turns into gold."
Isn't our store closed, and our teammates are in the process of liquidating the goods. He said that he would find more ways to sell these goods for a little more money, so that he could have money to pay off the mortgage.
One by one, he went to WeChat to ask his peers or former customers if they needed the goods. Although he didn't say how much he ate, I knew it.
Through his efforts, he was able to pay the mortgage for both months, and I felt a lot easier.
But I also know that after the final liquidation, my teammates are completely unemployed. So I still need to work hard to stabilize my side income.
I also need to save enough money to cope with the days when my teammates don't have any income at all.
2. Prudent financial management, financial management "wool" must be picked.
Yesterday's investment market was again indescribable. After the "baptism" of the market this year, I am gradually more inclined to prudent financial management.
In addition to one or two long-term holdings per month, there are still some stable financial products that have been studied more. For example, the reverse repo of treasury bonds, especially around the holidays, I must rush. To be honest, the current income exceeds the ** income.
3. Set income goals and save money step by step.
Recently, I have sorted out the 2024 annual plan again, and now I am full of fighting spirit.
I prefer to set a revenue goal rather than a spending budget. Every income is what keeps me going. In 2023, I achieved the revenue target I set, and in 2024 I will continue to push forward.
Normally, I don't set too high goals, I set them based on the previous year. For example, the 2023 side hustle income target is 3w, then in 2024 I will set 35w—4w。
I love the feeling of being down-to-earth and achieving it step by step.
Above, all encouragement.