It is not recommended that everyone "transfer away" as soon as they are paid, why? The bank employee explained the reason behind it, although everyone's income is different, but there is always excitement on this day of the month, so a group of "busy people" appeared in the bank lobby. Xiao Zhang, the lobby manager, is one of them, receiving an endless stream of customers every day, consulting consultations, suggestions for suggestions, and various incurable diseases. Of course, there are some questions about "transfer salary".
Xiao Zhang also often hears customers say: "I will transfer away as soon as I pay my salary, and I can't use it up anyway, and I will save it in the bank, and I will also put it in Yuebao, and I can make a little money by the way, so why not?" ”
This is really not recommended. Today, Xiao Zhang will give you an analysis of the reasons.
1. Compulsory savings.
As soon as the salary is paid, it will be transferred away, although it is forced to save for yourself, but at the same time, it also breaks off the idea of starting a family or investing in the future. After all, young people's desire to consume is unlimited, while income is limited. With that amount of money every month, how much can you leave after expenses? In the long run, if you don't adjust your financial management concept in time, it will be difficult to save money no matter how much you save. And with the "brick" of deposit, there is the capital of "building walls". When you have enough savings at a certain stage, you will find that your life will be different.
2. Missing out on financial opportunities.
Many people put their money in currencies such as Yu'e Bao**, although the current interest rate is relatively low, but it is better to have good liquidity, and you can deposit and withdraw at any time. But if you put the money in it, you can't turn it, and you lose the opportunity to withdraw it at any time. What if there are better financial opportunities during this period? Whether it is regular investment or other financial products, it requires long-term investment to see returns. And if you miss this opportunity, you miss out on this benefit. Of course, if you are in need of emergencies, it is still very appropriate to put some of your funds in Yue Bao.
3. Affect personal credit reporting.
Although cutting off the idea of spending can restrain some unnecessary expenses and debts, if the credit card is overdrawn for a long time and the online loan platform owes too much, these will become a stain on credit reporting. Especially now that many banks have begun to pay attention to personal credit, if there is a bad record in personal credit, the future loan to buy a car and a house will be affected. If we want to maintain a good credit record, it is not achieved overnight, and we need to pay attention to the reasonable use of credit cards, repayment on time, and not blind borrowing.
Fourth, increase the cost of risk.
Transferring your salary directly to Yu'e Bao or buying some riskier wealth management products after transferring it away may increase your income in the short term, but it will also increase the risk cost in the long run. On the one hand, currencies such as Yu'e Bao** are not risk-free, although they are relatively low-risk; On the other hand, although some high-risk wealth management products may bring higher returns, the probability of loss is also very large. And as ordinary people, we often can't afford the impact of such losses. Therefore, when we manage our finances, we must choose financial products that are suitable for us according to our own risk tolerance.
Fifth, reduce emergency response capabilities.
If the salary is transferred as soon as it is paid, then the income for each month is only other than the salary. And in our society, it is very common for "unpredictable circumstances" to happen. At this time, if you don't have any money or don't have it, then you may be in a dilemma. Of course, this is unlikely. And when you have a certain amount of savings, you will have the ability to deal with emergencies even in the face of emergencies. What's more, we are now in an era of resource-rich Internet, and it is difficult for the situation of "no resources, no wealth" to appear again. Therefore, you must cherish the opportunity to work and earn money!
Therefore, friends must be cautious about the problem of "transfer salary"! Cherish the fruits of your labor and the opportunity to invest in the future!