The assets I counted in 20 161February were around110,000. When I counted assets at the end of 20 17, it exceeded 200,000, that is, more than 90,000 were saved in one year.
Let me briefly talk about my situation first. I worked in the system from 20 17 1 month to1February, and my salary was * * * yuan100000 yuan. I am single, living and eating at home, and I spend more than 40000 yuan a year. I may feel strange. When I get my salary, I spend more than 40,000 yuan a year. How can I save more than 90,000 yuan? These are due to my four unique skills.
1, set a good goal and stick to it.
Without a goal, the road ahead is confusing, so if you want to save money, first set the goal and then allocate the amount of money saved to each month. In 20 17, the basic goal I set for myself was to achieve180,000 assets and break through the target of 200,000.
My salary is fixed every month. Through these predictable income, plus the financial income of the previous year, I will estimate the situation in the new year and set a basic goal and a breakthrough goal. Two goals will make people psychologically buffered, more motivated, and have pressure to implement their own goals, and may eventually yield an unexpected result.
2, seize the opportunity, everything may not give up.
How can we accomplish our goals more quickly and safely? Be sharp-minded, accurate, quick and ruthless, seize every opportunity to create wealth and strive to achieve your goals.
First, with the help of second-hand trading platforms, such as idle fish, some unwanted items have been removed, which can be regarded as breaking up and recovering some funds.
Second, look for some extra-wage income. Get more small wool through all kinds of proper ways, and the small wool will gather into big wool, which is also a considerable income in the end.
I learned a lot of skills from credit card experts in Xiaoma community. I only dared to use debit cards before. Later, I learned to use credit cards reasonably. On the one hand, I can make use of the interest-free period and various card-opening benefits to earn a little wool. On the other hand, with the help of credit cards, you can arrange funds well to prevent accidents. If you are interested in money, please poke: Card God Raiders: Did you get 5000+ wool with a credit card? (Click on the title to read)
If you have a skill, you can play table tennis, be good at sports, write a good hand, give a speech on stage, etc., you can actively participate in various activities organized by the unit. There will be various activities regularly within the system, and there will be prizes for participating in the activities. In 20 17, I took part in several walks, and I won some bonuses, electric saucepans and yogurt machines. If necessary, it saves some expenses. If not, it is also an income to sell it on the second-hand platform.
Third, besides earning money by my ability, I am also actively looking for high-yield financial management. I studied the 12 certificate of deposit method and the 52-week saving challenge with her, and the income was 8.3%. Together with various irregular saving benefits, JD.COM cards, etc., it was reasonably matched to maximize the yield. After one year, it was closer to the year-end goal.
In addition, I also launched a fixed investment in funds, and most of the funds currently held at hand have exceeded the income of 10%. According to the principal of 50,000 yuan, the income is also 5,000+.This year, we are going to continue to insist on fixed investment, strive for higher income and lay more golden eggs.
3. Realizing knowledge is king.
Now is the era of knowledge realization, and people often ask about the methods and channels of open source. Recently, I am keen to participate in her prize-winning essay activity, and I can earn some money while taking stock of myself. This article is one of the works.
On the one hand, read more posts and learn from the wealth management experience of wealth management. I met her and learned a lot about asset allocation, national debt, funds, P2P and insurance.
On the other hand, multi-output, using output to force input. Through writing, I can better sort out my own ideas and find my own shortcomings. I can also participate in the prize-winning essay-writing activities in Xiaota community, and write more and get more. For example, last month, Caimi @ Mingjie won the JD.COM card in 400 yuan for two articles published in Xiaoma Community. There are prize-winning essay activities every month, and insisting on writing is also a big income. Poke "Read the original" at the end of the article to learn about the activity.
4, regular review, timely adjust the strategy.
People are always forgetful. The goals and plans made at the beginning of the year, with the passage of time, and all kinds of new things and new challenges flooding into their minds, will easily forget their original ambitions. Therefore, it is very important to review and review them regularly at this time.
A year's time is long and short. Count your assets in a timely manner every month, carefully sort out the allocation of assets and the proportion of investment. "Eggs can't all be put in one basket", and do a good job in risk prevention and control. While trying to save money to achieve your goals, you can't forget to control the risks. You should sort out your assets every month, control one over, save less, add one plus, and the proportion is unreasonable. Adjust it.
Examine your assets regularly, let yourself know the direction of your efforts, and make timely adjustments according to the current situation. This will not only maximize your benefits, but also enable you to have a further understanding of your assets.
Some people may ask, are you tired of always planning to save money, resume trading and find high-yield financial management?
Life won't treat you kindly just because you are a girl. The result of making money hard may not be becoming a millionaire, but at least you can buy what you like, give yourself enough security, travel around the world with the money you earn, and satisfy all your whimsy.