I'm Li Yuzi, click above to follow, and I'll be with you until the end.
In the past two days, I have been scrolling through a certain book, and I have seen a topic that asks, "At the age of 30, how much savings is there to pass?" ”
Many young people born in the 90s and 00s have saved millions in the comments, which makes me very anxious and I feel like an NPC in this world.
Fortunately, in the past two years, I have started to change my lifestyle, I have stopped spending a lot of money that I shouldn't have spent, I have spent rationally, and I have successfully saved some money.
So, how much savings do we need in our 30s to pass?
01. Deposit is not the only measure
At the end of each year, there will be a report on the per capita savings and income of the year, but in fact, deposits are not the only measure.
Each of us has a different level of consumption in the city where we live, and our household expenses and living needs are also different, so don't blindly compare ourselves with others.
Instead of wrestling with the number of deposits, ask yourself: Can my savings not be scrambled in case of an emergency? Can I have enough confidence and security?
Set a reasonable deposit goal according to the actual situation, and follow your own pace to spend and save money.
02. Establish an emergency reserve
Life is always full of uncertainties, and we can't predict what will happen in the future.
Therefore, no matter how high or low your income is, no matter how much you have saved, you must establish an emergency reserve fund to deal with emergencies. Such as illness, unemployment, etc.
Generally speaking, the emergency reserve will probably cover our living expenses for 3-6 months.
For example, my deposits are all placed in fixed and financial management, but I will set aside 4-50,000 yuan in Yu Moubao, which can be withdrawn and used at any time.
03. Long-term financial planning
In addition to the emergency reserve, you should also make some long-term plans for the future, such as children's education, house purchase, car purchase, parents and self-pension, etc.
My plan is to move to a bigger house when my child is in elementary school. With a goal, there is an extra motivation to save money.
We can achieve this money through monthly fixed deposits, which are deposited into different accounts in proportion, and the amount of money will accumulate into a lot, and the pressure in the future will be much less.
04. Reasonable planning of the method of savings
(1) Keep accounts and make a budget
Keep a record of every amount of money you spend so you know exactly what you don't need to spend and what you need to buy, and then plan what you want to buy this month and make a budget. It can help us better control our consumption.
(2) Open source and reduce expenditure
It's necessary to save money, but open source is even more important. You can do some part-time jobs and side hustles to increase your income.
For example, set up a stall to sell small things, be a substitute driver with good car skills, do self-media, write and submit, etc., and make full use of your skills to make money.
(3) Cherish items and establish a long-term consumption concept
I once said that "the reason why parents can save money for a house is because of their age, and when things are broken, they are not replaced but repaired".
For those items that can be reused, we must squeeze out all the usable value of this item, and those that can be repaired should not be replaced frequently.
Saving is just a part of our lives, don't be anxious about it.
Some people may have a lot of savings, but life is not necessarily happy; Some people don't have much savings, but their families are still happy.
Even if you don't have a deposit now, don't be discouraged, there are many ways to make money, as long as you are willing to work hard and use your brain, you will definitely get what you want.
About the Author:
Li Yuzi, a person who began to streamline his life at the age of 30 and worked hard to save money, wants to live freely in the way he likes.