Pan Xiao commented that the so-called "wife-based", as the name implies, is the money that a man saves to marry a wife, and can also be simply understood as the cost of a man marrying a wife. With the soaring housing prices, prices and women's social status, "wife-oriented" is also emerging. Nowadays, marrying a wife ranges from hundreds of thousands to millions, which makes many netizens marvel that a wife is the most expensive luxury.
Looking back on the weddings in the 1950s and 1960s, most wedding banquets were held at home, which was considered "decent" to entertain relatives and friends and set a few tables. Most of the wedding rooms are converted from old houses, which are quite pleasing to the eye. Go to nearby tourist areas at most on honeymoon, and don't travel abroad; Picking up the bride in three cars in a row is quite lively.
Looking back on the changes in weddings in the past 50 years, life has improved, with more and more "flower heads" and natural life bringing fun, but when "planning" comes, the cost goes up. Of course, you don't have to have a wedding, but you should still advocate thrift. I always feel that there is increasing pressure on young people to get married nowadays. In recent years, the cost of marriage has been rising, and the wedding banquet has become more and more luxurious. Shanghai's average wedding photography cost per couple is 4 127 yuan, ranking first in China. Shanghai people lead the country in the consumption of eating out (referring to the per capita single consumption of eating out), and the expenditure on wedding banquets will not be low. And the fear of marriage, the desire for old age, also followed. If not, you can't get married. The author thinks that this kind of wedding consumption should be thrifty. Shanghai people have always loved reasonable and thrifty consumption and opposed extravagance and unrealistic ostentation and extravagance. This is famous all over the country, but now it is extravagant in marriage, which is really puzzling.
Of course, it is not only Shanghainese and Beijingers who pursue high wedding expenses, but also ordinary second-and third-tier cities. In fact, the rising cost of marriage is an inevitable trend of social development. Nowadays, young people will earn a lot of money, but not many will save money for financial management. In my opinion, saving "wife books" is something that young people should do independently. Saving enough "wife books" can start from the following aspects.
First, work hard to earn money and learn to save money. Restrain consumption, try not to generate extra expenses except necessary consumption every month, and develop good savings habits.
Second, on the premise of having deposits, we should learn to invest reasonably. Instead of putting money in the bank to depreciate and shrink, let "Qian Shengqian" go. For the rigid demand of marriage, investment should be based on stability, and it is safer to choose bank wealth management products with relatively fixed income.
As for the fund investment, the financial planner suggests buying a relatively stable bond fund and participating appropriately through a monthly fixed investment. In addition, it can also be matched with products such as money funds with strong liquidity to provide a buffer for short-term emergencies.
Third, use credit cards well. In the future, when preparing for the wedding ceremony, decorating the wedding room, buying household appliances and furniture, and buying clothes, you can enjoy interest-free installment payment and get more concessions.
It is really puzzling that two million people marry a wife. There is a popular saying that "sincerity is not as good as a red envelope". The last thing I want to see is two young couples who really love each other, who are sad about the mortgage and car loan all day, and even quarrel and divorce. If so, does the meaning and purpose of marriage still exist?