Dead wages are never enough, which may be the cognition of most people, as a netizen recently asked in the community: the monthly salary is 3000, and almost every month is a moonlight family. They want to save money but don't know how to start, and life is quite painful.
So, how do you save money when you only have 3000 yuan a month? How can you find ways to increase your income if you save your salary too slowly? What should I do to save money so that it can continue to increase in value? Today, let's talk together.
One, only 3000 yuan a month, how to save money?
Frankly speaking, the current income of only 3,000 yuan per month is really too small, and it may not be enough for young people to eat, wear and consume. However, there are ways to save money.
The most important way is to pay wages and make compulsory deposits. For example, if you are forced to deposit in 500 yuan on the basis of a salary of 3,000 yuan, you will have a deposit of 6,000 yuan a year and 60,000 yuan in ten years. Of course, it will be too slow to save money, but there is no way. Who will make his income low?
However, if you want to save money faster, it is to increase the proportion of compulsory deposits. For example, if you increase the amount of compulsory deposit from 500 yuan to 1000 yuan, or even 2000 yuan, the amount of money you can save in that year will increase many times.
Second, saving dead wages is too slow. How to increase income?
As Xiao Pang said, if it is a dead salary, no matter what happens, the money saved is limited. After all, we have to consider a very realistic problem, that is, our own expenses, that is to say, we can't save them all as soon as we get paid. If we don't even buy daily necessities, then this life will be a bit unsatisfactory.
When you realize this, you can start to change. The best way is to start with salary, that is, to find a job with higher income. In this way, on the basis of the original cost unchanged, more money can be saved every month, and by the end of the year, the number of deposits will increase.
Not only that, you can also do some part-time jobs after work to earn money for yourself. There are many ways for young people to work part-time, such as courier brother, takeaway brother, and even short video recording and editing of the fire. As long as they can do it seriously, they can make money.
Third, what should I do after saving money?
Many young people are puzzled and ask a question, that is, what to do after saving money? Or what is the purpose of saving money? In fact, everyone who has been there knows that the purpose of saving money is to prevent risks, that is, if there is an unexpected situation in the future, we can calmly deal with it without asking someone to borrow money. It is too difficult to borrow money in this era.
After the money is saved, the most important thing is not to let it sleep in the bank card, but to be used by Qian Shengqian. In other words, while saving money, improve your financial knowledge, from money funds to regular financial products to risky stocks, funds and even futures investments.
Only when you participate in more and more investment projects, your income will be higher and higher, and your money will naturally snowball. This is the charm of financial management. And when we are used to earning money every day, that kind of pride will be beyond words. We can only say that we will enjoy this process more and more.
Nowadays, most of the moonlight people are young people, the main reason is not that their wages are too low, but that they have no awareness of saving money and managing money. In this way, if there is moonlight at the end of each month, what is the purpose of the work? Only by thinking about this clearly can we really start saving money and managing money.
Of course, if the income is too low, you can find ways to increase your income, whether by your own work or part-time income, it is feasible, as long as you don't set limits for yourself, right?
Then, you think your monthly income is only 3000, and you have always been a moonlight family. How do you save money? There are so many ways to save money, which one do young people need most? How did you get rid of the habit of moonlight? Welcome to chat together in the message area!