Kunpeng Project
The central mother carried out a comprehensive survey, and the average deposit of Chinese was surveyed**.
Yang Ma's **.
Average savings per person: 94,200.
According to a survey by Yang Ma, the current savings of each household in China is 9420,000, if there are three people in a family, that's 282,600 yuan. This number seems exciting, as if we are about to enter the ranks of "Little Millionaires". But there's a lot more to think about behind this data. According to statistics, only 193% of people have more than 300,000 yuan, only 037% have more than $500,000. These figures are staggering in terms of the disparity between the rich and the poor. That being the case, why hasn't most people's savings broken the "curse" of 30 w?
Read more: The question behind these data is worth pondering, perhaps because people are suffering huge expenses that make their wages not enough to cover their expenses; second, it has been impacted by the social consumption idea and has the pursuit of immediate interests; It may also be because people haven't promoted their financial ideas yet, so most people don't have financial planning. In addition, the property market is very hot, and a lot of money is "trapped" in real estate, and no other financial investments can be made. The combined effect of all this makes the number of "300,000" out of reach for many people.
2. The ratio of households with savings exceeding 300,000.
Perhaps many people will be surprised by such a data: only 193% of households have savings of more than 300,000 yuan. Behind this set of numbers, we can see the actual distribution of wealth. And those who have more than 500,000 deposits are even rarer. This is a figure worth pondering, which reflects the current gap between the rich and the poor in China, and also reflects people's urgent need for financial management concepts. How to increase the value of savings for more households may be an issue worthy of our deep consideration and efforts.
Expansion: When the savings reach more than 300,000, it can be regarded as an important stage of family finance, symbolizing the accumulation of personal wealth and the improvement of savings. Of these people, less than 20 percent may be because they have a relatively stable economy**, or because their financial plan is more reasonable, so they will be more rational when it comes to daily expenses. Households with savings of more than 500,000 are good financial managers, who will invest more money in long-term investment and management to preserve the value of their assets. Such a number may inspire people to pay attention to their financial situation, seek more scientific ways to manage their finances, and become a smart investment manager.
Savings Story 1, Houses** and Savings.
The real estate market has become a hot issue of concern to people, and many people have to invest in real estate investment due to the continuous development of housing. Buying a home means a high down payment and the stress of a mortgage, making it difficult to save money at home. Even those who have tens of thousands of yuan at home often use it as a "stepping stone" to buy a house, so their savings amount can never easily exceed 300,000.
Extended reading: **Ge makes many people sigh that "buying a house is like flying in the sky". Residents' investment in housing investment is on the high side, which limits the development of savings. In this context, it is difficult to achieve the expected goal of saving, resulting in the dilemma of "having a house but no money" and "having money but no house" for many people. If we can control our spending more reasonably when buying a house, or find a more suitable way to buy a house, we will be able to make better development of our savings.
2. Investment and financial philosophy.
Some people did not get 300,000 savings, but put their money on **, and P2P platforms. However, there are also risks that cannot be ignored in the market, and a careless loss may result. Such an investment model may be a knife for a family, an unexpected journey to riches, or an irreparable loss.
Expansion: Be cautious in investment and management, blindly following will bring bad results. Families should have a certain sense of risk, cultivate scientific investment and financial concepts, and pay attention to the increase of income and the preservation of assets. Moderate investment can help a family grow its wealth, but it must follow the principles of prudence and prudence, and be careful to avoid blindness and impulsiveness.
3. Consumption and financial management concepts.
In today's consumer culture, many young people are pursuing a high quality of life, and the financial concept of saving and saving is not universally recognized. Most of the gains are spent on spending, making it difficult to continue to increase savings. The "moonshine clan" has become a common phenomenon, and the gradual increase in debt has become a heavy burden, making the road to savings difficult to navigate.
Extended reading: Due to the onslaught of consumer culture, many people are struggling to improve financially. Only by establishing a good sense of finances can you make every expense worthwhile and prevent you from incurring excess expenses in life. The frequent appearance of the Moonlight Clan is probably due to the fact that they have not established a rational consumption concept, resulting in the loss of money. If we can fully understand the role of these factors in residents' savings and rationally adjust their income and expenditure composition, then residents' savings will have more room for development.
Financial management tips 1, how to get rich by frugality.
Saving is the first step in managing your finances, and using each child wisely will accumulate more wealth for the future. Appropriate savings can not only cut some unnecessary expenses, but also make these money more useful. Every money saved can be considered a successful family financial management.
Read more: Saving isn't just about saving money, it's about developing good financial management habits. Consider every one of your expenses carefully and try to avoid unnecessary expenses. Saving is not simply about reducing expenses, but about planning your expenses scientifically so that each coin can get the most out of it. Appropriate savings can accumulate more savings for residents, thereby achieving a gradual increase in savings and laying a good foundation for future investment and financial management.
2. The right way to manage money.
Financial management is a skill that every parent must learn to achieve wealth appreciation through the correct allocation and matching of money. To establish a good financial management concept, in addition to establishing a good risk awareness, but also to establish a diversified investment philosophy, in order to obtain better value preservation and appreciation.
Read more: Financial management is a long-term study and exercise, not an overnight effort. A diversified asset structure can diversify risks and avoid losses in the investment process. In this process, you should adopt a prudent mentality, do not blindly follow the herd, and make appropriate investments according to your actual situation. Financial management can make every money play the greatest role, so that a person's property can be preserved and better protect their property.
3. Ways to increase income.
Improving the economic level of residents can not only improve the economic ability of residents, but also create greater space for the future development of residents. By continuously improving their strength, learning new technologies, increasing their own economy, and gradually increasing their savings.
Outreach: If you want to earn more money, you have to get your family to do it together, not only to improve your professional skills, but also to find a way to develop a part-time job, or to get more financial benefits through your own interests. Improving a family's overall economic situation not only strengthens a family's economic strength, but also improves one's quality of life and provides more support for future plans. Increasing income through a variety of ways not only strengthens the family's financial resources, but also gives them more choices in future financial planning.
The way to riches. While pursuing affluence, do not forget the true meaning of life. As important as money is, it's not the only measure of happiness. A happy family, good health, and friendship are the most valuable assets in life. No matter how much you have saved, the key is to know how to manage your money so that money can bring you more wealth. Property is important, but it's only one part of life. Cherishing your family and friends and being grateful for your body and happiness is what "wealth" is.
Extended reading: Money can provide you with a comfortable life, but there is no emotional communication, no warmth of family affection. In addition to pursuing prosperity, we should also pay more attention to the people and things around us, which are the most precious assets in life. Health, joy, friendship, together build the foundation of a happy life. Money is only a small part of life, and the most sincere feelings and experiences in life are the most important. In addition to chasing affluence, don't forget to slow down and savor every sincere and beautiful moment in life.