If a person reaches the age of 30 and still has only salary income, then his career planning is a failure. I quite agree with this sentence.
Your dead salary can only satisfy your daily food and clothing, but it cannot lead you to wealth and freedom. What should we do?
As the saying goes: wages are not enough, open source to make up.
Open source is the fastest way to make money.
There are n modes:
First, the certificate is linked.
Continuous study and obtaining the vocational qualification certificate can not only improve yourself, but also get a long-term meal ticket for life.
For example, I have a friend around me. When I was young, I got the first-class construction engineer certificate and the national registered supervision engineer certificate. With this certificate alone, he is affiliated with a supervision company with an annual income of 60,000. When it is really once and for all, drought and flood will ensure the harvest.
Isn't it great! It is simply a long-term meal ticket! Envy envy hate!
If you have a psychological counselor qualification certificate, you can also stick to this line and charge by the hour, which sounds very profitable.
The premise is that you have to invest in the early stage.
Second, the realization of characteristics.
This is an era when knowledge is realized and skills are king, provided that you have a skill.
1. Writing
0 threshold 0 input, knowledge can be realized. This is due to the era of Internet sharing economy. Some girls are good at writing chicken soup and big coffee, and their annual income is more than that of CEO of listed companies.
I have always liked reading and writing, and I have kept the habit of reading, extracting and taking notes for many years. I started writing at the beginning of last year, and wrote 65,438+10,000 words, which won nearly 300 praises and received nearly 100 yuan. Later, I received invitations from several platforms, and now I am the signing author of three platforms. So I only earn 2k+ by writing at home every month.
2. Calligraphy
Because of his good handwriting and a little knowledge of calligraphy, he was invited to teach calligraphy because he signed up for an interest class.
Nowadays, students' scores in writing in exams are getting heavier and heavier, and parents are aware of the importance of good handwriting, so calligraphy classes have great potential in the future.
It can be seen that it is really necessary to have a skill, which can be realized in minutes.
toast
If you are good at baking, you can make all kinds of cakes, biscuits and jam at home and open a micro shop online to sell. Nowadays, people attach great importance to the safety of food, and pure manual without adding is very popular.
I saw a mother in Weibo, cooking full-time and part-time with her baby at home every day, and then posing with pictures and pictures. She not only makes a living but also makes love. She looks so peaceful and enviable in the world.
make up
If you like make-up, through relevant training and study, you can make a bride's make-up, follow the bride's make-up and make-up on the wedding day, and your income will definitely exceed that of office workers.
cook
If you are good at cooking and cooking, you can make an appointment to cook a private kitchen. This personal tailor is also a hot topic today. That's how the food is big and small. Time is free and flexible, and the income is no less than that of chefs in star-rated hotels.
6. English tutoring
If you are proficient in English, you can sacrifice your rest time to help primary and secondary school students learn English, and charge by the hour.
7. Photography
If you like photography and have a certain level of photography, you can sell your creativity and technology and set up a personal photography studio.
I know a friend who works as a teller in a bank and takes pictures in his spare time. Such an income is to ensure stability, and an income is freedom and hobbies. Envy!
Third, invest in real estate and shops.
The highest return on investment in the first half of the year was 28.3%, just because I did it!
In July last year, I bought a second suite (finely decorated) in a third-tier city, in order to preserve and increase the value. Fortunately, after about half a year, the appreciation per square meter is nearly 2 K. It is expected that the project will be completed next year, and you can rent it out by simply buying furniture. The future rental income is 2k per month. The wish of a licensed woman will come true soon.
Because our first suite is full, these two suites can also use provident fund loans according to the calculation of the first suite. Plus the balance of our husband and wife's monthly provident fund account, the actual monthly repayment is less than1k.
The most gratifying thing is that the house price at the time of purchase plus the loan interest from 15 has appreciated by160,000 for half a year, and the income is about 28.3%.
Sure enough, buying a house early, managing money early.
If possible, buy a shop to rent. Especially in the face of the instability of various financial trends, I am very optimistic about the shops in the city center. The rental fee increases by 8% every year, and the passive income is appropriate.
Of course, this item needs a foundation and a threshold.
Fourth, financial investment.
In 20 12 years, I tried my best to buy the first bond fund, and the income was good. I tasted the sweetness of investment and financial management, so I embarked on the road of investment and financial management. Later, I bought stock funds, hybrid funds and index funds one after another, and never stopped on this road.
In order to better invest, at the same time, I actively study theoretical knowledge, constantly optimize the investment ratio, and improve the investment allocation in time. Recently, p2p investment has been added to the whole portfolio.
With the continuous increase of principal, I have formed a reservoir investment allocation with monthly fixed investment as the main factor, supplemented by low-risk monetary fund, medium-risk bond fund, high-risk stock fund and p2p.
Adhere to long-term holding, diversified allocation, and maximize risk diversification. At present, the overall rate of return is stable at around 10%. In this way, my monthly income from investment and financial management is nearly 2000 yuan.
Don't be too eager for quick success at the beginning of open source, just regard it as another possibility to open your life, and make your life interesting, rich and interesting. Think of him as an opportunity for you to accumulate experience and contacts, so that your spiritual gain will be greater than your material gain. When quantitative change leads to qualitative change, your income and opportunities are natural.