Seeing that it is over... On this big day to bid farewell to the old and welcome the new, I believe many people are very happy and full of expectations, and have revealed their plans to save money for the New Year.

Other people's New Year's resolutions are like this: "In 2023, I will read 100 books"!

"I want to lose ten pounds and manage my figure!" "I want to save money and become a little rich!" "I want to learn floristry, guitar, handicrafts, and become an excellent craftsman!" Your New Year's resolution is like this: "2022

The plan made in 2019 that was not completed in 2021 was originally planned to be completed in 2020. "The picture comes from the movie "One Million Pounds". In 2021, the China New Economic Research Institute and Alipay released "Post-90s Saving Money."

Data from the Report shows that 92% of the post-90s generation have a balance every month, and 80% use the balance for financial management.

"At the same time, you can study the courses recommended by "Aicai School", which is a financial and business education brand under the well-known online education company BT Academy. It was founded in July 2019 and develops financial management courses that everyone can learn. It is aimed at students with zero basic financial management.

Bai and users who need to learn professional knowledge for practical operations have set up different courses to popularize investment and financial management concepts and methods. The product promoted is Aicai School Financial Management Novice Training Camp, a 10-14 day experience course, which will include a teaching team.

Led by Mr. Jack, a finance professor who has taught at Peking University for 8 years, he leads an elite team of elites from prestigious schools and overseas students with strong professional knowledge and strong academic style to create a warm-hearted financial and business school. The courses mainly involve financial thinking, investment introduction, and funds and stocks.

, insurance and other popular science and some practical knowledge, can quickly help novices change their wealth concepts and cultivate financial management habits. The 10-day course includes 7 practical lessons + additional knowledge supplements. It takes 10 minutes of learning per day, is efficient, easy to understand, and useful.

Read in the morning, share in the morning and evening, and have a dedicated financial mentor to teach and answer questions in the learning community. You can also get financial planning through one-to-one private messages. Aicai Academy hopes to help such people achieve financial freedom together: Be positive,

I am willing to change the status quo through learning, establish financial management concepts from scratch, improve my professional knowledge, obtain income after sleeping, let money make money, and say goodbye to dead wages. "This phenomenon can finally lead to the life you want through financial management.

Tell us that young people are becoming more and more aware of saving/financial management.

At the end of the year, when I read the year-end summaries of young people, I paid attention to Douban's "Crazy Money Saving Group". There are really many friends who have saved money: some secretly saved 60,000 in one and a half years after graduating from undergraduate studies, and some exceeded their savings.

Those who have financial goals and save money for a house down payment in a year by themselves... But, the awareness of saving money among the post-90s generation is gradually increasing, but there are still many people who save money every year and have no money every year.

How can one join the ranks of those who save money?

Masato Noguchi, a popular MBA tutor in Japan, believes: "No one can live without money. Ordinary people should master relevant financial knowledge and look at things that people take for granted from a new perspective." In other words, understand and learn something about money.

Relevant knowledge and understanding of the experiences, habits, and theories that affect people's judgment can, to a certain extent, enable us to make choices that make the money we spend more valuable.

In order to explore the truth behind New Year’s money-saving plans, Shijijun has prepared today’s article on money-saving plans, so that young people can save their first pot of gold!

Many friends also lament that their annual income is not low, but the expenses for food, clothing, housing and transportation are huge, and they cannot save much money in a year.

Why is it so hard to save money?

Be careful here and think carefully about whether there is a "latte factor" in your daily consumption?

David Bach, a well-known financial expert in the United States, once proposed a very creative term "latte factor": There is a couple who must drink a cup of latte every morning. A cup of latte seems not expensive, but 30

Over the past year, the couple has spent a total of 700,000 yuan on this morning latte.

Simply put, the latte factor is the dispensable habitual and recurring expenditure in our daily lives like buying coffee.

For example, he drinks milk tea or eats desserts every day, buys endless lipsticks, and hoards endless daily necessities... As long as such things can bring you great pleasure, even if the pleasure is short-lived,

If the price is within expectations, you can continue this pleasure through purchasing behavior and quantity accumulation.

Therefore, the sooner we understand ourselves and analyze our income and consumption, the sooner we can discover where the money we earn goes, and the sooner we can save our first pot of gold!

As per unwritten convention, let’s start with the bad news – if your New Year’s resolution is “I will save money this year” – then, unfortunately, there is a high probability that you will fail.

The good news is – it’s okay, you don’t fail alone.

Research shows that 80% of people’s New Year’s resolutions fail after one and a half months.

Seeing this, are you feeling much better?

Closer to home, why did this New Year’s savings plan fail?

Because your goal is not clear!

Everything starts with the goal of saving money. We must at least achieve a basic understanding of the goal of saving money - there must be a goal in everything we do.

When your desire for something is far greater than the happiness that laziness can bring you, something deep in your heart will quietly control and influence you. This magical thing is called "goal."

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 need to save money in the new year. This is our saving goal.