Hello everyone, I'm Qingmang, a self-leading worker! What can saving money bring us?
It provides a sense of security and allows us to face life's challenges more calmly.
Whether it's for financial security or in pursuit of freedom and choice, saving money is an important financial habit.
It's really not easy to save a sum of money, and if you want to save money, you have to know three magic accounts!
This account is a "cash cow" for your monthly living expenses, and the money in it is used to pay for various expenses in daily life, such as rent, utilities, food, transportation, etc.
Generally, put 50%-60% of your monthly income into this account.
Remember to allocate your monthly living expenses reasonably and don't spend more than the amount in your account to ensure your quality of life and save money!
This account is to make your money profitable, and you can invest part of your funds in various financial products such as **, real estate, etc., to obtain a higher rate of return. Investing is a long-term process, don't be greedy, and choose the right investment product according to your risk tolerance. Generally, put 30%-40% of your monthly income into this account.
This account is set up to fulfill your dreams, such as traveling, buying a house, starting a business, and more.
In this account, you can save some money every month, slowly accumulate it, and when it reaches a certain amount, you can use it to achieve your dreams!
Generally, put 10%-20% of your monthly income into this account.
Have a clear goal, save money consistently, and your dreams will become a reality step by step!
[Practical steps].Now, let's take an example and see how it works?
Assuming your monthly salary is 7,000 yuan, you can allocate the funds in these three accounts in this way:
Daily Expense Account: 3,500 RMB (50%)
Investment Appreciation Account: 2,500 RMB (35%)
Dream Savings Account: $1,000 (15%)
In this way, you will be able to ensure the quality of your daily life, make money and at the same time work hard to achieve your dreams!
My dear, if you develop good financial habits, your wealth will continue to accumulate and your dreams will come true step by step! Come on!
Okay, I'm Qingmang! Thank you for reading, remember to like and collect after reading, **Every one of your likes will become a return of wealth to you!