two and a half years after graduation, when I was 27 years old, my small family saved the first 1 million yuan (excluding real estate, the main real estate was used for self-occupation, and it will not be sold for the time being), which seemed a little far away when I was a student, and it was realized in this way. It felt like an upgrade in the game, and the first mobster finally got the feel ~
1 million yuan, which was not much, but it was really not.
Two and a half years after graduation, it is a small milestone to have so many liquid assets in hand (about 21% comes from the bride price and the selfless giving of parents). Looking back on the history of saving money in the past two and a half years, there are some gains to share with you:
Salary is the most important source of income for our family at present.
I graduated from a 985 university in Shanghai with a master's degree. My first job was in an Internet company.
Husband: I graduated from a 985 university in Shanghai with a master's degree. My first job was in an Internet company.
During my graduate studies, I smelled the explosion of mobile Internet. Since then, I have gradually defined my direction: to go to an Internet company, and my internship was also related to the Internet in Otawa.
I have accumulated Internet knowledge for a long time, as well as relevant Internet internship experience, and I obviously have great advantages in finding a job in graduation season. Good direction+good platform has helped our small family accumulate relatively much wealth.
For most people, salary is the most important source of income. In the first few years after graduation, we must find a good industry and platform to enhance our competitiveness in the workplace, and constantly make more and more salary-active income.
at the beginning, it is not recommended to do some part-time jobs that are not very helpful to improve your ability because you pay too much attention to money. What you should be most concerned about is how to improve your core competitiveness. When you accumulate enough, you will naturally have more right to speak in the workplace, and appreciation and salary increase will be a matter of course.
Many of my classmates and colleagues didn't deliberately save money because they felt that the salary just graduated was not high and the expenses of renting a house were high. Most of them paid their salaries first.
I am in charge of money in our family, because I am engaged in the internet industry related to money and know more about financial management. The first thing I do after I get paid every month is to make compulsory savings.
in addition, throttling is a very important link. I usually use bookkeeping software to record my own expenses, regularly review whether my expenses are reasonable, and then make more reasonable plans.
in daily consumption, the favorite is "xx is worth buying", which brings together various preferential activities of the whole network. Before you want to buy something, you can always find some special prices by searching it. For example, I often buy lobster that is alive and kicking for 78 yuan, and paper towels that are smoked for less than 2 yuan can save a lot of money over time. The most important thing is that it does not affect the quality of life.
My husband and I don't have the demand for conspicuous consumption. If we want to buy a lv, we will buy it, and so will the canvas bag. Compared with those students who work in a foreign company for 4A, I have saved a sum of money.
of course, the current balance rate is relatively high because there is no money shredder (child) hahahahahaha.
at the beginning, I put all my savings in the Yu' ebao. Slowly, more and more money came in. I earned more than ten yuan a day. The more money I got, the more scared I became. Because I know that the yield of Yu 'ebao is less than 4%, which is not enough to resist inflation, so I slowly began to study other financial channels.
First of all, I started from my own company, because I worked in an Internet finance company, and I was relatively clear about the underlying assets/operation mode of the company's products. After understanding the risks, I began to slowly transfer funds to our company's wealth management products to test the water. Later, I listened to my friends and introduced some of their company's wealth management products. Through novice exclusive+coupons, the annualized rate of return on investment was 8%-11%, which was higher than that of Yu 'ebao.
With the gradual increase of funds in hand, these financial products can't meet my needs. I began to take the initiative to learn about the well-known mutual financial platforms in the market through various channels, such as the ranking and scale of mutual financial companies by online loan houses/online loan eyes and major third-party institutions, and turned my money to some more reliable financial platforms. (I took my own/my mother/husband's mobile phone and ID card, and took turns to start with some relatively reliable platforms, and the benefits were considerable. )
for more reliable platforms, I usually buy a new logo with my own mobile phone number first, experience the platform purchase process, understand the rules of each activity, calculate how much money to maximize the income, and after studying the rules thoroughly, I will start to invite Ma Ma and my husband to register through the link, so that I can earn two fees for recommending friends, plus the benefits of novices, and the overall annualized income is between 12% and 15%, killing all major platforms.
some people may ask, is there any risk with such high income? I can reliably answer: the risk is not big, far below the risk that this income should match. Because some of these benefits you get are obtained through your assets, and the other part is the cost of subsidies from various platforms. Now there are tens of millions of financial platforms on the market, it is not so easy to get users. In addition to advertisements on various platforms, it has become a common means to develop new users through certain incentives for existing users on the platform.
A user's reward ranges from 31 to 811. Compared with the cost of effective users brought by advertisements, the effective cost brought by recommending friends is very low. In order to attract new users to buy, the platform is also willing to do some novice benefits, such as high income for novices and sending a bunch of coupons after registration. As a user, participating in these activities to obtain additional benefits will not increase additional risks. For ordinary people, it is really a very cost-effective financial channel.
In addition, through these attempts, during my stay in bonus hunter, I gradually chose my own long-term investment platform. (User experience+platform strength)
Since the end of last year, I was not satisfied with the money growth brought by fixed income, and began to slowly set foot in the fields of funds and stocks. Read the books of masters such as Buffett/Peter Lynch, go to the forum to see the discussion of domestic investment cows, and start practicing at the same time. Fixed investment in broad-based indexes (CSI 311 and CSI 511) and timely purchase of some industry indexes, such as environmental protection and pension, have brought more than 21% returns to some active fund industries such as Hang Seng Index/Food and Beverage Index.
Because of the accumulation on the road of financial management, I have learned a lot of financial management knowledge, and I usually have nothing to do and love to write something, so the number "Xixi becomes rich" came into being. I hope to become rich with you dear ~