Why can t I save money? Why can t I save my money?

The key is that you don't have the habit of financial bookkeeping, every time you spend money, you spend it, and you don't know how much you have spent. I don't know how to save. Like those who can be bought or not, they will not be bought.

1.Prices**.

You can feel that the current food, clothing, housing and transportation goods are rising in price, even the most common rice, flour, grain and oil, meat are a few days a **, now most of us are WeChat payment, the concept of money is far less deep than the era of paper money.

Maybe buy a few vegetables, buy some fruit for a few hundred yuan, I don't feel it, go home and look at the bill, pat my head Why did I spend so much money.

2. Go out on a trip during a long vacation.

Approaching the day holiday: the three-year epidemic has suffocated the Chinese people, with the opening of the epidemic, we can finally have the opportunity to relax again, we may take out excess money to travel to the sail and naturally have no way to deposit.

3. Daily consumption.

Housing loans, car loans, children's tuition fees, daily expenses, and no savings.

4. Wages have not risen:

I think that's the most important thing. If you earn less, you don't have money to save, in the era of the development of the Internet, everyone is floating, don't treat money as money, I often see some people who don't make money but look at tens of thousands of dollars and say that this is just a few dollars, in fact, is this the case?

On the Internet, I often see that those people's monthly wages are basically tens of thousands of yuan, as if earning 3,000 yuan is waste. In fact, there are so many people.

At least in my hometown, most people earn less than 4,000. I don't earn much, but I spend a lot. Let's go save some money.

In April, RMB deposits decreased by 460.9 billion yuan, of which residents' deposits decreased by 100 million.

First, consumption has increased. People make money, and in addition to spending, it is saving. Less savings means more spending.

As the deposit rate falls, there is less and less income to be gained by keeping money in the bank. Instead of that, people spend more and more money on spending. This will result in a decrease in deposits.

Secondly, for other investments. People always hope that money will generate more money, and when bank deposits do not meet people's wishes, they will turn to other investment channels. For example, bonds, wealth management products, their returns will be higher than bank deposits, so the group is more flexible, and people with experience in this area will use more money for this kind of investment.

Third, the May Day holiday boosted consumption. In recent years, due to the influence of some factors, many people in the state have not gone out to travel much, and it happens that there is a five-day holiday during the May Day holiday this year. Everyone chooses to travel during this period, and travel will also incur a lot of expenses, not only to spend money on the round-trip journey, tickets to tourist attractions, but also to buy some souvenirs.

I think this is also the reason for the decrease in residents' deposits in April.

In short, whether the deposit increases or decreases, it is people's choice. According to their own consumption needs, some keep their money in the bank, and some use it for consumption, which are normal things.

Consumption habits: Parents are more frugal than today's young people, they pay more attention to practicality and durability, and avoid unnecessary consumption. This source.

Social environment: In the era of my parents, the society was extremely materially scarce and life was relatively difficult, and people generally adopted the attitude of "thinking about change when they are poor", and paid more attention to thrift and saving.

Educational concept: In terms of education, the values of the parents are relatively simple, pay more attention to diligence and thrift and housekeeping, regard savings as an important family wealth, and save money and savings as an important way of life in the family.

In summary, the ability of parents to save money like their grandchildren may be closely related to their consumption habits, social environment and educational concepts. Of course, with the progress of society and the improvement of people's living standards, young people can also control their spending and increase their savings by changing their consumption concepts and lifestyles, so as to achieve financial management and increase wealth.

As a father, I think the reason why I can be poor is the following.

1.After a lifetime of hard work, I know how to save.

In fact, as children, we can see that parents are very economical, and if they don't buy items that they don't need, they would rather walk three miles than spend three yuan on a car. It is precisely because of the habit of saving money that the parents can save money.

2.Don't take borrowing money from others lightly.

Don't let yourself be in debt and owe money.

One of the things that my old people often say is don't borrow money from others, don't owe a lot of money to others. Of course, this sentence is also worth learning from now, (except for mortgages).

Now too many people have to spend in advance even if their wages are still payable, Huabei, loans, and they have to repay thousands of yuan every month. One of my relatives owes a lot of money and has to pay back 5,000 yuan a month. He consumed too much of Huabei, which was consumed by useless things such as clothes and food, and he owed a lot of money after spending a lot of money over time.

He spends his future money in advance, which is not advisable. Especially when he was tired, he didn't have a job and couldn't afford to pay it back.

The Huabei or loan owed must be repaid as soon as possible, and don't spend in advance, especially if you are consuming some small things. Instead of talking about mortgages, people don't have so much money for such a big event as getting sick, I borrowed some in advance, and these reasons are understandable.

The old man often says that how much he is capable of doing great things. Don't go to the salary so much, and you still want to ...... some luxury goods and brand-name bagsSpend in advance, thinking that I will not pay it every month! It's not like that, no matter what, it's an overdraft, and the overdrawn spine can't pay back the money.

3.Ability to schedule time.

Time is money.

What I admire the most is that the elderly are very good at arranging time, Saturday and Sunday for reading, summer vacation, and winter vacation. I rushed back to my hometown on Friday afternoon. Wake us up at five or six o'clock, go home for breakfast in the morning after chopping firewood, ask someone to hoe the grass, arrange for rice harvesting, peanuts and so on.

In the summer, we finished our clothes, went home for lunch, and went to the river to wash in the shade. Even the rain can arrange us to do something, not to waste a little bit of our time, and not to let us be idle, after all, there is so much work to do. You have to wash your dirty clothes before you go to school.

Save it for the next time you work.

In fact, an inch of time is an inch of gold, and it is difficult to buy an inch of time. Time is money, like people who enter the factory are more time to pay a little more money. Is it expensive to work as a worker?

In some places, people over the age of 30 do not want it, especially it can be seen that how many years can a person's life be used in a short period of decades? Especially those who pay for labor. Those with academic qualifications can rely on their brains to eat, but the workers only have time and labor, and when they reach the age, no one wants to do it.