Eyes have ended ...... in this big day of resignation, I believe that many people are very happy and full of expectations, sunshine out of their new year saving plan. Other people's New Year's plans are like this: "In 2023, I'm going to read 100 books." "I'm going to lose ten pounds and manage my body!" "I'm going to save money and become a little rich!" "I'm going to learn floristry, guitar, crafts, and be a good crafter!" Your New Year's resolution looks like this, "2022 plan to finish what I didn't finish in 2021 that I originally planned to finish in 2020 that I made in 2019." Image from the movie "Million Pound" in 2021, China's New Economic Research Institute in conjunction with Alipay released the data of the "Post-90s Saving Money Report", which shows that 92% of the post-90s will have a balance every month, and 80% of them will carry out financial management of their balances. "At the same time, you can study the courses recommended by "Ai Cai Xue Tang", which is the financial education brand of the well-known online education company BT College, created in July 2019, research and development of financial management lessons that everyone can learn, for the zero-basic financial management of the white as well as the need to learn the professional knowledge of the user to carry out the practical operation. Different courses are set up to popularize the concepts and methods of investment and finance. Promote the product for the Ai Caixuezhang financial whites training camp, 10-14 days of experience courses, will include teaching team for the former Peking University taught for 8 years, led by Jack, a professor of finance, led by the elite team of prestigious schools, returnees, professional knowledge is excellent, the college style is strong, to create a temperature of the financial business school. The course mainly involves financial thinking, introduction to investment and funds, stocks, insurance and other science and part of the practical knowledge, can quickly help white people to change the concept of wealth, cultivate financial habits. 10 days of the course includes 7 dry class + additional knowledge to supplement the amount of 10 minutes of learning per day, efficient, easy to understand, there are morning readings, morning and evening sharing, equipped with a specialized financial mentor, in the learning community hand in hand teaching, A dedicated financial mentor will teach and answer questions in the learning community, and you can also get one-on-one private messages for financial planning. Ai Caixue hopes to help such people to realize wealth freedom: they are positive and willing to change the status quo through learning, set up financial concepts from 0, improve their professional knowledge, get after-sleep income, make money, and say goodbye to dead wages. Eventually be able to live the life you want through financial management." This phenomenon tells us that young people are getting more and more equipped with saving/financial awareness. At the end of the year brush to the young people's year-end summary, time gentleman concerned about the Douban "heartbreaking crazy save money group", save money partners are really super: there is a sneaky undergraduate graduation one and a half years to save to 60,000, overfulfilled the savings goal, by their own savings a year to save to the down payment of a house ......But, 90 after the gradual rise in the awareness of saving money! The first thing you need to do is to make sure that you have a lot of money in your pocket, and that you have a lot of money in your pocket. How exactly can you be among the ranks of the army of saving money? Japan's super popular MBA tutor Noguchi Makoto believes that "no one's life can leave the money, the average person should master the relevant financial knowledge, with a new perspective on what people take for granted." In other words, understanding and learning something related to money, and understanding the experiences, habits, and theories that influence people's judgment can, to a certain extent, enable us to make choices that give more value to the money we spend. In order to explore the truth of the New Year's saving plan is often established and often broken, the time gentleman hereby prepared this article of today's saving plan, so that the young people to save their first bucket of gold! Many friends also lamented that their annual income is not low, but can not stand the great expenses of food, clothing, housing and transportation, a year down to save not much money. Why is it so hard to save money? This is to be careful, seriously think about your daily consumption in the "latte factor"? David Bach, a well-known financial expert in the United States. Bach (David Bach) once put forward a very creative term "latte factor": a couple must drink a cup of latte every morning, a cup of latte seems inexpensive, but 30 years down the line, the couple spent a total of 700,000 yuan for this morning fixed latte. To put it simply, the latte factor is a habitual, recurring expense in our daily lives that is as optional as buying coffee. For example, if TA has milk tea or dessert every day, buys a bunch of lipsticks that you can't stop applying, or stock up on daily necessities that you can't stop using ...... As long as such things give you a great deal of pleasure, even if the pleasure is short-lived and the price is within expectations, it is possible to perpetuate that pleasure through the act of purchasing by accumulating it in quantity. So the sooner we understand ourselves and analyze our income and spending, the sooner we can find out exactly where the money we earn goes, and the faster we can save our first pot of money! Following the unwritten convention, let's start with the bad news - if your New Year's resolution is "I'm going to save money this year" - then, unfortunately, odds are that you're probably going to fail. The good news is - it's okay, you're not alone in your failure. Studies show that 80% of people's New Year's resolutions basically end in failure after a month and a half. Doesn't that make you feel better to see that. Getting back to the point, what's the reason this New Year's saving plan is failing? Because your goals are not clear! Everything starts with the goal of saving money We should at least reach a basic **** knowledge of the goal of saving money - to do anything there must be a goal. When your desire for something is much greater than the pleasure that laziness can bring you, there will be something deep inside yourself that will quietly control you and influence you, and this magical thing is called "goals". We make New Year's resolutions because there are things we want to accomplish in the new year, and because we have goals. To be precise, we have to save money in the new year, and that's our goal to save money. But a simple one - "I'm going to save money this year" which is simple and crude and heartfelt - doesn't seem like a good goal. We can take this goal and turn it into a 'quantitative' goal to solve the problem. For example, change it to: I will save ×××× dollars in the new year. Of course this goal is not specific enough, as long as we can break down the goal to a certain extent, you will find that achieving the goal will definitely become easier and clearer with the refinement of the goal. The vast majority of many seemingly very difficult work, very difficult to achieve the goal, as long as carefully done after the dismantling, it is possible to first complete the small goals. For example, set a small goal, first earn him a billion. There is a book called Growing Up Chasing Dreams, which is about a man who not only realizes his plan to travel around the world, but also brings his son and a whole lot of people to realize this dream. From this book, we can actually learn a lot of lessons and methods of realizing our goals. First, for the world traveling, he breaks down the big difficulties one by one and then annihilates each one of them. For example, one of his plans was to complete 108 kilometers in the desert no man's land, but many people feel very difficult when they hear it, so he changed his goal to walk 60 kilometers first, and then 15 kilometers every day after 4 days. Secondly, many specific 'quantitative' targets were set. For example: 7 years time, as well as just mentioned 4 days, 15 kilometers, and so on. How to analyze the saving goalAfter understanding the goal well, we already have a basic understanding of our goal. The next step is to learn to analyze our saving goals. Only after this is done can we better dismantle this goal further! Here we can use a method called "goal analysis" training card, to help you better analyze and reflect on the goal, help us focus on the specific action plan to solve the problem, to achieve the desire.