Hello, i'm a writer who's focused on sharing practical economic knowledge of ordinary people, and who doesn't speak of obscure economics or of distant wealth management, and who says that we can use the common economics of everyday work-playing workers, mothers, retired elders
First of all, what you think is "safe savings" is a loss
Many feel that the money is the safest in the bank, that monthly wages are kept on a regular basis and that nothing is spent to save money. But have you ever counted a bank interest rate of about 1. 5 per cent on a one-year term deposit, while daily woody oil salt, vegetables and fruits, and the rent of electricity and water, which increases quietly every year, have long exceeded the interest on the deposit。
To put it simply, you save $100,000 in banks, and interest is only $1,500 a year, but the same money, and what you can buy at the end of the year, is less. That's how the money depreciates. Instead of keeping people from saving money, ordinary people are saving money, so don't lock up all the money for long periods, keep three to six months of living for a current emergency, and the rest of the small money, choosing a flexible and robust way to manage it, is better than dying。
Two, ordinary people get paid. Don't take high risk. It's 100 times more important than fast
The internet is full of “zero base months” and “twice” money. Many ordinary people look at it, they stick it in, and not only don't make money, they lose their principal. We're ordinary people, no expertise, no money, no money。
Don ' t trust strange investment projects, don ' t touch hard-to-understand stocks, virtual currency, and don ' t borrow money for high returns. If you want to earn an extra income, either by working hard on your own job and getting a higher salary, or by using leisure time to do the little things you can, such as doing a part-time job with your specialty and taking care of idle items, these seemingly slow ways are far more solid than speculation, and do not step on economic pits。
Iii. Daily savings, not the door, but planning
When it comes to the economy, there is no money to go around, and many people either have big hands or have big hands, or the search and search commission itself is not right. Real rational consumption is spending money on knives and not spending money。
Ask yourself, "did you just need it?" any alternatives? Don't let low prices, sales promotions, hoarding a bunch of things that don't seem to cost money, but waste. In addition, a small bookkeeping habit, with no complicated form, with a single account of the daily expenses on the mobile phone, at the end of the month, can identify many unnecessary expenses, accumulated over a period of time, and save a considerable amount of money, which is the most practical “first step of financial management” for ordinary people。
At the end
The economy has never been exclusive to the rich, and we are ordinary people who live and understand a little bit of basic economic commons, not for the rich and the rich, but for the money that we hold, for the money that is worth more, for the life that we live on, for the urgent things we have to do, for the money that we spend。
These simple arguments, which do not seem to be visible, can help us escape the economic trap of many lives and make less of a turn. Friends who feel useful, like them, collect them, read them slowly, learn them slowly, and pass them on to their friends and friends around them, to spend their money rationally, to make sure that they live in peace。
