If you set up your own psychological account irrationally and let your human weakness control your consumption freely, it is normal that you can't save a penny a month for 20 thousand.
But because your ability to resist risks is too poor, once you lose your job, your family will fall into a crisis of broken capital chain;
At this point, I admire that my high school classmate is a lawyer (we used to call him Liu). His monthly salary is only 2000 yuan more than mine, but his savings and quality of life are far higher than mine. After some communication, I realized how "naive" I was, and I planned again after learning from Liu.
It is said that Liu was a moonlight family from the time he graduated from college until he got married and gave birth to a second child. Sometimes his parents have to help him pay the mortgage at home. First of all, his salary is very low. Second, both Liu and his daughter-in-law are profligate. Although both of them made money, they didn't leave a penny for a month.
As a lawyer, he has some expenses that we don't know:
For example, as a professional lawyer, you need to pay attention to your clothes, at least two decent suits, plus thousands of leather shoes;
For example, when eating, since Liu can talk to customers independently, first, because of his outstanding ability, and second, because of his high emotional intelligence, the customers he receives are relatively high-end, and most of the things he talks about are in some high-end cafes.
For example, in terms of travel, Liu actually didn't have a car at first, either taking a bus to work or riding a mountain bike, but since he was able to receive high-end customers, the travel expenses have increased a lot, and he has to take a taxi every time he accompanies customers. After all, face is very important; After saving some money, the family gave another 80 thousand yuan and brought a Highlander. Because of the long commute time, it is a lot of money to spend a month on gas and car maintenance.
Admittedly, we look like the elite in Liu's workplace. After all, in our small city, from the initial three or four thousand yuan, the monthly salary rose rapidly to 20 thousand yuan, which is an elite; But in fact, he also paid a lot. For example, he often worked overtime to sort out materials, studied for certificates, and delved into difficult legal provisions. Only by enduring loneliness can he really grow up;
It should be said that before 19, Liu basically belonged to the moonlight clan. Although both husband and wife have made money, there are three basic expenses:
1, mortgage, about 5,000 yuan a month, the down payment is given by Liu's parents, and the decoration money is given by her parents-in-law; They are very lucky, their parents have arranged the house and only need to pay the mortgage every month;
2, raising children, Liu's first child was a caesarean section, which cost a lot of money because there was not much milk. Since Liu's wife went to work, it's all milk powder, and it's all imported. A box of more than 3,000, a few thousand dollars for a child who started in seven or eight months with moonlight milk powder; Children start early education at the age of one and a half, 3000 yuan a month.
3. I don't know much about the expenses of dealing with people, being filial to my parents and going out for dinner occasionally. After all, I don't know much about other people's affairs, only a rough idea.
In this way, the couple can get nearly 20 thousand a month, basically moonlight, and sometimes they have the cheek to ask their parents for money to pay off the mortgage. Liu is an only child, so natural parents will not treat the only child badly.
But slowly, I found that Liu has changed, started to have savings, and has been managing money, saving money and making money, making himself look like a multi-millionaire.
After chatting, I realized that he had nearly 300 thousand deposits in two years, which really surprised me. It turned out that Liu was taught by a client when he was helping him with a lawsuit.
Because of the relationship with customers at ordinary times, Liu Ye wants to learn from customers. If the customer doesn't teach, paste and copy. But you can see the superficial things, but you can't learn the connotation. At most, you can copy other people's financial management methods, and you have only learned a little, and you can't make much money at all.
Liu's daughter-in-law and this customer are fellow villagers, and they will be more enthusiastic when chatting. And the customer is looking for Liu anyway, and she will get familiar with it after a long time. She told Liu a name-richard thaler, and he put forward a concept called mental account, and used this concept to explain your irrational consumption.
To put it bluntly: our brains will divide our income into different accounts, and the degree of pain is actually different when we consume it.
For example, our office workers are basically salary+bonus. There are nearly quarterly awards, outstanding employee awards and year-end awards. Usually the salary is basically fixed. As long as you don't ask for leave and leave early, the monthly salary of 4 thousand is 4 thousand, which will naturally be credited to your bank card. Moreover, if the family pressure is relatively high, every salary is carefully spent, and we are reluctant to buy this or that.
But all of a sudden, if you have never won a quarterly prize, you will get a quarterly bonus of 2,000 yuan, or a year-end bonus of 8,000 yuan at the end of the year, and you will be willing to spend the money. Why? In fact, no matter what bonus you earn, it belongs to your salary category; After all, you intentionally or unintentionally put the year-end bonus and salary in different accounts.
This customer of Liu has a deep understanding of this concept. He said to Liu: "Whether you can consume rationally depends on your psychological account."
Liu's client runs his own company. He has at least a dozen accounts in his mind, which is much easier for us ordinary office workers. Two or three psychological accounts are similar, depending on how you manage your own account.
The point is that we can't let the weakness of human nature manipulate our consumption decisions. What do we do (this is my own summary) 1, bookkeeping
It is necessary to keep accounts. We need to know where the money went first. Where do you spend it?
Is there a feeling of not buying anything? Why did you spend all your money? The purpose of bookkeeping is to let you know where your money has gone.
2. Distinguish between primary consumption and secondary consumption
Generally speaking, our money has some necessary fixed expenses, such as mortgage, rent, living expenses, transportation expenses and so on.
It is the money we spend every month, and it is a necessary consumption.
Everything else is dispensable consumption.
Of course, we can save all the money except the necessary consumption, but most people can't, because there is still a demand for leisure and entertainment, so we need the third point.
3. Open source on the basis of throttling.
For us office workers, the salary is basically fixed, and what money is fixed every month. As for bonuses, only a few of them are available, and most of them are very small. If you want to save more money on the basis of a fixed salary, or want to improve your quality of life, you need to broaden your channels to increase your income sources, such as:
Sideline income: As long as your job doesn't keep you busy working overtime every day, it is suggested to increase a sideline income, whether it comes from media or design, which is related to your expertise as much as possible.
Financial investment: I am a conservative person. I don't touch unfamiliar or risky things, such as stocks. I don't understand this. I can only choose some conservative investment methods, such as funds, to invest dividends for aunts who open stores. Are all good ways.
One of my colleagues also opened two fried string shops, one was hired by someone and the other was made by his sister and mother. He will share the profits then, so I have to admit that he is quite clever.
Speaking of the end: we all know that borrowing money is a debt of gratitude. It's more practical to have money in your pocket.
Remember the rule of 432 1: 40% of income is used for investment, 30% for living expenses, 20% for savings (hard deposit for emergencies), and 10% is insured. If one of them is increased, it is suggested to keep it unchanged and basically keep the law of 432 1.
I think this deposit ratio is abnormal. I may have to pay off my mortgage, car loan and daily expenses every month, but excluding expenses, there is only about 800 yuan left on average every month, which is too much.
You can list the items and amounts that must be paid back every month, such as loans, utilities, etc., and spend the rest of the money casually. Since I am used to spending money at will, it is better to transfer the money to a specific account after receiving my salary every month, such as 2000 or 3000 per month, and then try to save money when I am short of money at the end of the month, and don't touch the money. The salary of 20 thousand is not low, and there should be some savings at ordinary times.
If all the necessary expenses are deducted, the remaining living expenses are barely enough. It may be that your loan amount exceeds your repayment ability. For example, it may be suitable for a car of 200 thousand, but you bought a car of 500 thousand with a loan.
I don't feel normal.
As we all know, different income levels of residents will lead to differences in the quality of life of staff. The salary of most people is maintained at around 5,000 yuan, and the salary of highly skilled people can reach 10,000 yuan. But with a monthly salary of more than 20 thousand, you can earn 240 thousand a year, far exceeding the salary level of ordinary people. We should discuss this problem from two angles. One angle is that this employee lives in a first-tier city with a fast pace of life and high daily expenses. The second angle is that employees live in second-and third-tier cities, and the pace of life and life pressure are relatively low. Situation 1: Employees live in first-tier cities. According to the official per capita income of first-tier cities, the monthly income of 20,000 yuan has become a high-income group in this city. In addition to the high salary of technicians in the Internet industry, workers in other industries also need to face a very reasonable salary distribution system. The price level in first-tier cities is significantly higher than that in second-and third-tier cities. Taking renting a house as an example, most young people choose to share the rent, and the monthly housing and water bills can reach 3,000 yuan, plus other living expenses, which obviously cannot reach the salary income of employees. Situation 2: Employees live in second-and third-tier cities. Not all young people tend to live in big cities. Living in a big city means high expenses and expenses, which will inevitably make residents unable to meet the demand for living expenses. This has enabled some young people to find suitable jobs in small cities and second-and third-tier cities, thus obtaining a very good living condition. The living standards of second-and third-tier cities are obviously lower than those of first-tier cities, and obviously residents cannot spend tens of thousands of yuan a month. Generally speaking, the living expenses and pressures of residents are different in both big cities and small and medium-sized cities. With a monthly income of 20,000, you only have a living savings of 1 10,000 a year, which obviously does not meet the living standard of every city, except for buying luxury goods.
Normal! The expenses of mortgage, car loan, alimony and alimony have been reduced by more than 2 weeks.