Young people are back on cash.
For many people, saving money is also an "investment".
Zhuzhou Evening News Rong ** reporter Xie Jia Wentu.
In this era of mobile payments, digital currencies are like invisible flowing water, gently gliding through our fingertips, and it seems that they never really stay in our hands. Recently, a wave of "cash revival" and "red passbook" has quietly risen among young people, who have regained cash and passbooks, and started a new journey of saving money.
I used to think that electronic payment was convenient, but I really didn't feel like spending money at all. Xiao Li, a 25-year-old citizen of Zhuzhou, smiled and shared her experience. Since she started using cash, she has been able to save 1,000 yuan a month, and the satisfaction of seeing the rows and rows of numbers in her passbook is something she has never felt before.
The return of cash: a new option for young people to save money.
Since July last year, Xiao Li has a new habit - going out with his wallet. In her wallet, in addition to her ID card and a few bank cards, the most important thing is the stack of cash. "Put in $400 every Monday. This money is her food and living expenses for a week. Whenever she walks into a convenience store, she no longer takes out her mobile phone to scan, but directly pulls out a few banknotes from her wallet to pay.
At the same time, Xiao Li's two loose-leaf books have also become her "financial assistants". Every month, she will leave 200 yuan on the bank card, and take out all the rest, according to the two categories of daily expenses and storage expenses, and put the money taken out into the loose-leaf file bags of these two books. This classification has given her a clearer plan for her consumption.
Spending with cash has made me more rational. Xiao Li said. Every time she watched the money in her wallet gradually thin, she would silently calculate in her heart what unnecessary expenses could be avoided this month. And the "balance of dozens of yuan" in the bank card after paying the phone bill also allowed her to decisively say "no" when she saw those tempting things in the live broadcast room. Every month, you can save at least 1,000 yuan.
In Zhuzhou, there are many young people like Xiao Li who choose to pay in cash. Many of them started out to save money.
Cash isn't always very convenient. Zhou Di, a 28-year-old citizen, said that when he bought vegetables and steamed buns on the road, sometimes for 100 yuan, they would say "I can't find it", including many stores, which also let them pay online. In addition to fixed deposits, Zhou Di also has some cash balances every month, "I saved 900 yuan in January and 450 yuan in February." He believes in a saying: you have to like money, you have to touch it often, and you have to put money in your home so that it can be attracted. So, he counted the money every night.
Use back the passbook: the tradition is still the same, and the practicality is not reduced.
Citizen Chen Man, a post-95 girl, has twists and turns on the road to saving money. She has tried Alipay, Yue Bao, Yu Libao, ** these financial management tools, but every time she has failed. Unbinding bank cards, canceling credit cards, these extreme methods have also been tried, but still failed to make her save money.
* It's just too much. Online shopping alone is enough to overwhelm me. Chen Man said frankly, every time double.
Ten. In the first two years, she untied her bank card after Double 11 and successfully escaped the shopping spree of Double 12. But unexpectedly, during the New Year's Day event, she still couldn't resist **, rebound her bank card, and bought 2,000 yuan of clothes in one go.
On the one hand, I enjoy the joy of chopping my hands, and on the other hand, I feel anxious about my balance. It wasn't until early 2023, after his father fell ill, that Chen Man finally realized that he couldn't go on like this. She began to try to deposit money in her passbook and went to the bank with cash. When she got the red passbook that belonged to her, she felt a sense of steadiness in her heart. "My rule for myself is that I have to save at least 1,500 yuan a month. ”
Unlike the convenience of online banking, you need to go to the counter in person to withdraw money from your passbook. This cumbersome process made Chen Man cherish the cash in her hand even more, and also raised her spending threshold.
The amount of interest is not the most important thing, the important thing is to be able to control your desire to spend. Xiao Li said that when she saved a certain amount, she wanted to take her parents out for a trip.
The reporter found that on Xiaohongshu, more and more young people began to share their passbook saving experience. Someone posted a red, green, and green passbook, lamenting that this way is "really fragrant". There is also a message: "Please push more compulsory savings content to me with big data, and less push buy and buy!" ”
Traditional savings: Can young people break out of financial difficulties?
Today's young people love to make money, save money, and love to manage money. From coin speculation to investment, where there is an outlet to make money, there are them. According to data, 84% of the post-90s generation have financial management habits, and investment and financial income has become an important income for them**.
In this way, young people are also easily attracted by those short ** advertisements under the banner of "teaching you to manage money", and accidentally fall into the trap of "killing pigs". Zhang Wei, a citizen, is an example, who spent nearly 2,300 yuan to sign up for a business and finance course on a certain platform, but found that it was useless after studying for three days. Want to withdraw from a class? There were no doors, and he was kicked out of the study group. This kind of dumb loss, he can only admit it.
* Fall again and again, and directly give up high-interest rate wealth management products. Mr. Liu, a citizen, said that he was disappointed in **, so he "pulled the weeds" and watched the people around him post their passbooks one after another, which was very exciting.
So, by returning to cash and passbooks, can young people get out of the financial dilemma? In fact, most people just hope to save money by choosing a passbook to save, and it is already a "luxury" not to lose money. After comparing the interest rates of many banks, Chen Man chose a rural commercial bank, which was not high, but she felt that this would at least "save" her money from being spent.
However, some people believe that relying only on passbooks is not the best way to manage money, and it is necessary to learn how to make money. How is it possible to achieve financial freedom by relying too much on bank interest?
Experts point out that the use of cash can make young people feel their spending behavior more intuitively, so that they can plan their spending more rationally. Behind the convenience of digital payments, it is easy for people to fall into the trap of "unconscious consumption", while cash can be used as an effective constraint to help young people establish healthy saving habits.
Managing money is not a game to get rich overnight, but a long-term marathon. Only by working steadily and step by step can we truly get out of the predicament and realize the appreciation of wealth.
Sound. Citizen Xiao Liao: Mobile payment, a click will make a sum of money slip away, and the use of cash is undoubtedly more conducive to the accumulation of wealth.
Netizen "sisi": We should enjoy the convenience brought by technology, and we can also deposit regularly online, and we don't have to run to the bank.
Citizen Wang Xiao: Young people's reuse of cash is not only a return to traditional saving methods, but also a profound reflection on the concept of consumption.
Reader Leo: I graduated from college this year and have turned off passwordless payments on all apps.
Citizen Chen Man: Saving money is addictive, and looking at the gradually increasing numbers on the passbook, it feels very cool. As long as you persevere, you will definitely be able to lay a solid foundation for your future.
Know more] A small way to make a fixed deposit.
12. Certificate of Deposit Method: Suitable for wage earners, a deposit is deposited in the bank for 12 consecutive months in the form of a fixed term of one year, and when a certificate of deposit expires every month in the second year, the principal and interest of the certificate of deposit and the principal of the deposit in the second year are deposited into a new certificate of deposit.
For example, if the monthly income is 5,000 yuan, you can consider taking out 1,500 yuan per month to save for 1 year. In this way, after one year, one certificate of deposit expires every month. Take out the due money, plus the money to be saved in the current month, and save it for another 1 year, so that you can use it for living money and enjoy regular interest.
36 Certificate of Deposit Method (3 years with higher interest rate): A deposit is deposited in the bank for 36 consecutive months in a fixed period of three years, and then the principal is deposited in a new certificate of deposit after the maturity of the fourth year.
Words from journalists. No matter how times change, the goal of accumulating wealth remains the same. This interview made me deeply feel the change in young people's financial management concepts. They began to pursue prudence and pragmatism, and no longer blindly pursued high-risk and high-returns. This transformation not only made their wallets bulge, but also taught them to cherish and plan their wealth.
Editor: Qingqi.
Second trial: Dai Ping, Tang Jianhua.
Third trial: Ye Xinfu.