Many people think that only a marriage based on money is the most stable, which makes sense to me. If their relationship breaks down, then I I will never believe in money again.
Marriage, especially children, is a consumer product, and husband and wife are financial products. If the economic level after marriage cannot be lower than that before marriage, the key point is that the rate of return of husband and wife (wealth management products) outperforms the consumption speed, otherwise it will definitely decline.
Therefore, the economic base determines the superstructure.
No routine, no financial recommendation
I just want to talk sincerely about why you and your husband can't save money (laughs)
Come on, throw the answer first and then elaborate.
Why can't you and your husband save money?
It is no exaggeration to say that life is really difficult! Pass the ball
A family of five, with two old people and children in kindergarten.
On the basis of building supply and automobile supply ......
In fact, talking too much is all tears ~
Not only can't save money.
And it costs money every day for a year 12 months
Where did all our money go?
In addition to these realistic pressures, the awareness of saving money is also very important!
Saving money, to put it mildly, is called wealth accumulation.
How to accumulate wealth?
I believe everyone knows: open source and throttling.
So why not accumulate wealth?
Too lazy when open source.
Too lazy when throttling.
No savings, no investment capital, can't afford the down payment on the house. But now most people are "money porters" and can't save any money. Most people who can't save money have the following five characteristics:
You never ask yourself where all your money is spent.
Most people know how much money flows into their bank accounts every month, but few people know where they and their families spend their money every month. Online shopping, eating out, traveling, etc. Do you know how much it cost you to go out to eat? Most people don't think about how their money is spent.
Improvement methods: develop family bookkeeping habits, carefully sort out your life, track your capital flow, and find out where your money is spent. You can find a notebook to write it down and sort out your expenses so as to reduce them in the future.
Housing expenditure accounts for 40% of your total income.
If you spend 40% of your income on rent or mortgage, you lose a lot of money you can save. According to FHA, most people can spend 29% of their income on housing, but not more than 465,438+0%.
So far, you haven't started investing.
Investment is considered to be the most effective way to accumulate wealth. Considering the factor of compound interest, the earlier the investment, the better. If you feel that you have no money to invest, you don't have enough money now.
Improvement: Saving money for retirement is also an investment method, but if you want to get more returns, you need to consider investing in other varieties, such as low-cost stock index funds. Buffett prefers to buy index funds. Others like to buy fixed investment funds.
Of course, investment also needs certain financial knowledge and skills, and it takes time to learn and accumulate. So the sooner you start investing, the better.
You have no plan to save money for big items.
If you want to be rich, you must learn to spend money. Otherwise, you will turn off the idea of making money and saving money. If you plan to have children or buy a new house, you need to make preparations in advance and save some money. It has been calculated before that under normal circumstances, it takes at least 750,000 yuan to raise a child in China; You have to pay a down payment to buy a house. In any case, the down payment needs 65,438+10,000 yuan. Besides, you need to save money in advance to buy a car and travel.
Improvement method: For those projects with huge expenses, you should arrange in advance, arrange the progress, implement them step by step, and proceed in stages. It's easier to save money. In addition, you need to know clearly how much money you need to save, how long you need to save, and how much rate of return you need to achieve your goal as soon as possible. It may be useful to set up multiple deposit accounts.
You don't have an emergency fund
If you use credit cards frequently, you need to reserve some emergency funds if you don't want to default because of some emergencies. If you don't have emergency funds now, it only means that you haven't saved enough money.
Improvement method: set aside a part of emergency funds as soon as possible. Many experts believe that emergency funds should be at least one person's salary for six months. Of course, everyone's situation is different, and the amount of emergency funds needed is different, but there must be corresponding funds.
Once you know where your money is spent, you can spend less. Reduce unnecessary expenses. Save more money in the bank.