Financial Cases: Monthly 3000 Yuan, Thrifty Small Fire Why Is "Double Light" Youth?

Case: monthly income of 3000 yuan, why do frugal youth still have nothing?

Case study

3000 yuan per month to save young people why they are "double light" Youth

The water has sunk out of its monthly living expenses and finds that the cost has doubled at least a year ago.

"Relying on many parties"

Qingshui said, "the cost of such a month is 3280 yuan, and my salary is 3000 yuan, and I have to pay 280 yuan back."

Last year, the poor savings of the rest came in the price.

Shimizu said that he also spent so much last year, but only 2200 yuan a month.

Now that prices are rising, we can only think of ways to cut down expenses. Now we dare not go to friends' parties at any time. We dare not buy clothes casually. We used 6 yuan and a pack of red double happiness for 180 yuan a month, and now we don't smoke. We used to drink a few bottles of beer every weekend or usual, and spent about 60 yuan a month.

More part-time jobs are more important than "throttling".

"For people with lower incomes, open source is more important than throttling."

Yesterday, Bank of China Wuhan East Lake Development Zone Branch Financial Planner Chen Xiaoyan said.

Chen Xiaoyan suggested that three sources of clean water should be open source.

1. use your expertise or expertise to open up second occupations, or part-time jobs, and earn more money.

"You can make up lessons for others when you go to work or on weekends. If you exercise, you can teach swimming, table tennis and so on. If he writes well, he can still be a network writer. Now there are many part-time projects. The key is whether he has this idea."

2. see how much he has.

3. can rent out half of the house, earn 500 yuan a month rent.

Or rent out the house, earn more than 1500 yuan a month, then rent a room with the colleagues near the apartment, 500 yuan per month, and save 1000 yuan a month for the monthly payment.

4. "although water has been very economical, there is still room for savings from his expenditure."

The mobile phone costs 110 yuan a month. It can switch to a free package and make the best use of the unit phone to make phone calls at home.

5. through the above methods of increasing revenue and reducing expenditure, the amount of water saved every month is about 1000 yuan, which can be invested in 500-600 yuan for the fund, and the risk is small. In the next year, there will be savings of 6000-7000 yuan, excluding investment income.

6. the rest of the money for training, improve their own quality, for future career development is good.

When the time is ripe, a higher income job can be changed.

7. it can be seen that he does not have any protection. At a relatively low income level, he buys at least one accident insurance every year, which costs about 200 yuan a year, and the insured amount is the same as the balance of the housing loan.

Once an accident occurs, you can leave a house for your loved ones.