Why isn't it advisable to transfer your salary as soon as it arrives? Bank staff reveal the inside story
With the advent of the era of overconsumption, most of today's young people use their monthly salary to pay off mortgages, car loans, credit cards, expenses, etc. Therefore, the money left over each month is not enough to support them in the future. Fortunately, in recent years, young people have realized the importance of saving due to some uncertainties that often arise in society.
When people look at the growing balances on their bank cards, they naturally feel the urge to increase their assets. Among the many channels, only a few third-party payment platforms have the highest visibility and flexibility. This has made many young people develop the habit of transferring money to these channels as soon as they receive their salary. But there are also risks behind this habit, and today we are going to talk about the risks that we ignore!
1.Long-term consumption habits are not suitable for the flexible space of depositing money into channels.
Once you have savings, the best thing to do is to increase their value. After all, assets that are not properly kept will only continue to depreciate under the influence of currency depreciation. But for young people, choosing a third channel to take care of their assets is not a suitable option.
Because in the long-term consumption habits, spending money has long become a subconscious behavior, and flexible channels will also make us have reckless consumption thoughts, always thinking that this month is spent and the next month is good to deposit. And this kind of thinking will slowly deplete the money in our hands, so that we will not be able to accumulate savings, and we will fall into a cycle of zero savings.
2.Intangible currency"Credit.
What's more, over time, a person's"Credit"It has become an intangible currency in today's social environment. People can use"Credit"Swap the numbers on your bank card and turn them into real gold** to satisfy your desires.
What's more, the role of credit affects every aspect of life, from the interest rate on your mortgage to the choice of your phone**.
So, where does credit come from?
It is a bill that is paid on time every time you use a credit card; It's a steady stream of paychecks in your bank card; Frequent overdrafts, late bill payments, and irregular outflows of funds are all factors that affect credit.
Credit can directly reflect a person's spending habits as well as personal financial habits. Therefore, how much wealth a person's credit can create for themselves has a lot to do with these factors.
Of course, with the increase in financial awareness, more and more people are beginning to pay attention to this issue. What's more, for young people who want to save money, too flexible channels are not so suitable options; You can use savings accounts, investment plans and retirement** to help you save wisely and grow your wealth.
In addition, it can also take advantage of the direction of political support, such as economic foreign trade sales, you can get 1% of the share in your hand in 30 days, which can help to achieve wealth appreciation in the short term, and is suitable for some residents who cannot accept poor capital liquidity.
In short, the significance of deposits for people is not only the accumulation of assets for a long time, but also when the crisis comes"A lifesaver"。Doing a good job of property planning can also help residents take control of their consumption habits and help them better control their consumption. So, what do you think about this issue?