Speaking of private money, in fact, petty-bourgeois women feel that men, women and children should save some private money, which is not a necessity, but a protection for themselves and a preparation for the future.
Single people can save some money for some emergencies; People with families can save private money and buy small gifts for their families when there is friction or quarrel as a gesture to ease conflicts; Young people with entrepreneurial ideas can save some private money, or, like Liu, as a capital preparation for their next career ... In short, it is very necessary to save some private money.
First, how to save private money?
What many people think of is to find a secret little place to secretly put money in, and no one knows. Because "private money" focuses on privacy ~
There was news before. An old man in Shanghai has worked hard for many years and saved more than 30 thousand yuan in private money at home. As a result, when the old man and the children were cleaning up at home, they mistook the private money hidden by the old man for garbage and set fire to it. The old man fainted on the spot when he saw his private money burned. ...
You want to save private money, but you have worked hard for most of your life, and the money is ruined. If it happens to a petty bourgeoisie, you will feel "disheartened", let alone an old man in his seventies.
Some people put private money in the corner and buried it underground, and the money is moldy (after all, our "Grandpa Mao" is made of paper) ...
There is also private money hidden at home, which is good and eaten by termites and mice. ...
Seeing so many "residual coins", the heart of the vegetable girl really hurts. Oh, my heart is bleeding. Therefore, you can't put an unreliable position! So, where do you keep your private money? Are there any good seats!
Second, hiding private money at home is not only unsafe, but also saves less!
Little talented woman saw a cartoon on the Internet:
It's bad enough to be found out. What's worse is that there are more than 20 hidden places, and the total money is only 1000 ... It's not easy to hide private money at home!
Moreover, the biggest enemy of money-inflation (RMB depreciation) is still eyeing. If you want to save more private money, you need to change some new ideas.
1. Open source.
If your wife/mother is in charge of your finances, it is not easy to save some money. I can only find ways to earn more from other places and find a part-time job that suits me. For example, if you have a car, you can get a ride, and you can get a single subsidy on your way to work. One round trip to 40 yuan every day, you can work 250 days a year, and your income is 1 10,000 yuan; Or put away the express box you buy every month and sell it. (Express boxes have all gone up in price now, ok! ) In short, find the right opportunity to make money. Although ants are small, they are meat.
2. Throttle.
You will make money, but you also need to save money. Friends who smoke can smoke one or two packs of cigarettes a week, which is two or three hundred yuan a month; Girls can also buy two less lipsticks (I'm sure you can't use them several times). This will save almost 2000 yuan a year.
Third, where is the best place to put the private money?
If you have money, you should consider where to put it. The vegetable girl thinks it is very easy to be damaged when it is hidden at home. What should I do if I forget it for a long time? Wife/husband/mom and dad/uncle and aunt found out? It stands to reason that it is now 2 1 century, and it is really unreliable for us to save private money!
I remember that in Cai Xiao Women's University, although we had our own coffers (at that time, private money would be kept in the bank), the method of financial management was still very primitive. When I have saved 10,000 yuan, I will go to the bank to deposit it regularly for one year (at that time, women in Cai Xiao were still ignorant). It lasted for a long time, until a cousin of a talented girl listened to me and looked like she hated iron and could not produce. Finally, he made a financial plan for the little girl.
1. Buy xx index fund every month, the lowest is 1000, and the highest is 3000, depending on the market.
2. Buy about 10000 gold every year, when the market is relatively low, not to add value, but to resist falling. Prosperous jewelry, gold in troubled times, gold is the lifeline in troubled times, and it is also the reserve fund of prosperous times, so we must be prepared.
3. The bank demand deposit account shall not exceed five digits, and the time deposit shall not be reinvested. It's better to put it in the money fund.
The little vegetable girl didn't quite understand, so she did it. After more than two years, she finally met a gold bull market in 12, and the money invested by the petty bourgeoisie doubled, earning100000. It's really not an exaggeration to see that the money in your account has steadily increased compared with the time deposit. Let the petty bourgeoisie firmly learn the belief of financial management.
Fourth, private money, personal money
In fact, the deeper meaning of private money is mainly to make yourself more prepared for money and prevent problems before they happen.
I have some money in my hand, so girls can buy their favorite bags directly, without discussion. The same is true for men. Brothers have something to help them, there is no need to reluctantly say that they have no money. Don't hesitate to buy some presents for your parents on holidays. If you can't buy a good one, you have to buy a second one.
Private money used to be called personal money. The "private money" mentioned by Xiaocainv here does not mean that everyone should hide the "small treasury" from his family, which will affect family unity. But I hope everyone's life will be smoother, more independent and more free.
So, do you have your own vault?