The economy is down, everyone knows that they want to save money, but they can't save money, and they are also very helpless.
There are many ways to save money, the 36 single savings method, the 52-week savings method, the ladder savings method, and so on, but I would say that if you want to save money, you can't just save money.
Each of us has our own wealth pool, the water inlet is z money, the water outlet is spending money, this is an arithmetic problem that primary school students understand, if the water inlet speed is not as fast as the water outlet, the pool is never satisfied.
Spending money is an art, not only to pay attention to "cost performance", but also to pay attention to "sex time ratio", that is, the value of doing things per hour, chasing dramas and learning obviously have different sex time ratios.
The current one-year fixed deposit interest rate is 15%, saving 10,000 yuan a year is only 150 yuan interest, compared with the inflation level, saving money for a year in this way is shrinking, saving a lonely.
In terms of asset allocation, in addition to the deposit period, you can also choose products with low relative risk, such as demand +, fixed income +, and bond base, which are relatively low, but can also outperform inflation.
There is no shortcut to saving money, most of those who want to get rich overnight have no money, and when talent can't support their dreams, go to school, because we can never earn money other than we know. Don't easily quit your business, don't buy indiscriminately, don't believe that pies in the sky will hit my head, and don't touch what you don't understand can help us save a lot of money.
My mother lives with me, and she spends very little, and she can save almost every month, but since last year, her memory has deteriorated so much, so I tease her, all the savings are not enough to take medicine for a year, which really freaks her out.
In contrast, I am not too worried about myself, because I have sufficient insurance for myself and my children, medical insurance, critical illness insurance, and even worse, I am not afraid of having no ability to take care of myself or burping when I am sick.
Saving money is for freedom, but the truth is that if you only have a salary, you will never be financially free, and the essence of financial freedom is that passive income can cover daily expenses.
Make more money, arrange a few more inlet valves for your wealth pool, seek promotion in the main business, seek hobbies in the side hustle, and disperse other stable financial management.
The growth of Xiaobai's financial management