Live with Huabei and buy funds with living expenses, do you agree with such financial management?

I don't agree with such a financial management method, first of all, let's see, the cost of this investment method is his own basic living expenses, and his basic living expenses need to be paid by Huabei on Alipay, which will lead to many problems.

**There is a loss

We all know that first of all, there will definitely be a loss of funds, he will not be like some bank products it has a fixed interest, basically will not lose to the principal, but it is up and down, if we do not pay attention to some skills, it will lead to losses. In order for such a situation to appear, it is difficult to sustain the real life, we need to have the concept of financial management, we need to invest, but we need to invest moderately.

How to invest right

How should we do the real business investment, first of all, you can take it out, 1 3 of the income to invest instead of investing all your living expenses, and some of our remaining expenses can be used to flexibly spend in our lives, rather than relying on all such forms.

Although we can see that the investment income in 2020 is very high, many of them even reached 50% of the income, which is very considerable, and it also makes many people envious, thinking that I can not work, take my own principal, and go every day to make money through ** to get some income?

In fact, no, our investment is one aspect, and the other aspect we also have to open source and throttle, open source is that in addition to our own work, do we have a way to find some side hustles, to make ourselves have more income, and the income from side hustles is also a very good way to increase our extra income.

In addition, throttling means that we have to reduce some unnecessary expenses in our daily life, for example, some white-collar workers are used to drinking a cup of coffee every day, is this cup of coffee really so necessary? Surely it will have any kind of impact on our lives? Does it have any effect on our physical health?

If we don't have that expense, we can get rid of it, so when we invest, when we consume, we have to have a boundary.

If it is not suitable for the way, don't invest too much, and the suitable way is to master more skills together, so that you can get more income through money and make your life easier. In short, financial management is a way that can help us live more easily, but we must remember that there is a degree and boundary to financial management, and we still need to save some living expenses.

I don't agree, it's better to save money first, and then use the extra money to buy **, if you live with Huabei, you will only let yourself pay Huabei interest in vain, and the gains outweigh the losses.

I don't agree with this way of managing money. I think it makes me very insecure. It will make a big difference in my life.

Disagree. Spending ahead of time will make us more anxious, and it will also form bad consumption habits, and there will be a lot of risks in buying**.

I'm not in favor of this kind of financial management. If we encounter special circumstances, it is very likely that our living expenses will not be enough, and life will become particularly difficult.

For the era we are in now, we have to admit that this is a high-speed development of the information age, especially young people, their lifestyle is not the same as we imagined, and many young people are ahead of consumption, which can also be seen from Alipay, especially this time people will be confused to live with Huabei, with living expenses to buy **, what do you think of young people's financial fever? I think there is some truth to this way of managing money, but at least you have to know this knowledge, otherwise it is likely that your living expenses will become a big problem. **It's not like buying it, there are also great risks in it, let's analyze it specifically.

1: The setting of Huabei has led to advanced consumption:

First of all, the first point we have to know that the setting of Huabei is for young people from the beginning, and they can use Huabei to solve the usual entertainment in their lives, that is, the world of hundreds of dollars to do, for young life, in fact, it is just to give an emergency money, not to inject a dependence into your life, but the amount of Huabei is actually relatively large, up to tens of thousands of yuan, so some young people rely on Huabei to live. This is very bad, because if you think about it, if your Huabei balance is too large, your salary will not be enough at this time, and it will lead to you always spending ahead of time.

2: It's not risk-free:

And then we need to know that young people are more interested in money or things on the Internet, which is a good thing. But if you don't know anything, just buy **, which must be very risky, because buying ** may also lead to your own losses. If you lose money, or you don't know this knowledge, it is likely to lead to your own living expenses, and in the end, you don't have a dime at all, and finally you are spending money on consumption operations and your living expenses are gone, which is a very embarrassing situation.

So here I would like to suggest to young people that Huabei can be used in ordinary life, but the amount should not be too short, just a few hundred yuan, usually buy something to eat, and return it on time when the salary arrives next month. This is a good way, don't rely too much on Huabei to cause yourself to have the habit of advanced consumption, once this habit is formed, it is actually quite difficult to change it later. And in terms of living expenses, if you want to invest, you can also do it, but you must understand this knowledge and have your own experience, otherwise it is not recommended to use it this way, because there are certain risks in investment.

I think it is very important for young people to manage their finances, but they must learn to allocate their salaries reasonably, try not to use Huabei, and do not develop the habit of spending ahead of time.

Personally, I think that the financial craze of young people is not recommended to be pursued. Because many young people do not manage their money in the right way, and secondly, their financial management mind is not up to it. However, you can choose some more secure financial management methods, but if you blindly pursue it, then it is not advisable.

I think young people nowadays are very blind in their financial management, they don't have their own plans, they just follow the trend to invest.

Where did the subject see this sentence? Can you give me a science popularization of what is the concept of consumption, what is the concept of financial management, and the concept of advanced consumption? What's the difference between the three?

As long as people with a little brain, they will not take the sentence "live with Huabei and buy ** with living expenses" seriously, and buying ** belongs to the concept of financial management, but Huabei definitely does not belong to the category of financial management concept, is it okay to refer to the deer as a horse?

First of all, correct a point, Huabei is a similar credit card consumer loan product, the reason why it is popular with young people, is because it can be used in advance, and then repaid in installments or at one time, based on the quality of sesame points and performance records, Alipay will authorize some Huabei quota to some users with good credit, the reason why it is popular with young people, is because it can be used for consumption, as long as the repayment is on time, there is no interest, and it also eliminates the trouble of asking parents, colleagues, and friends to borrow.

But if you say that you use Huabei to live, this is a bit exaggerated, you must know that Huabei is an advanced consumer product, not a free consumer product, young people use Huabei just to withdraw their future income in advance, and this needs to be repaid, Huabei is now included in the credit system, you don't pay back Ma's father's money to try, see if he will reason with you. Therefore, young people are only spending the money they earn in the future with Huabei, this is not using Huabei to live, don't play with right and wrong here.

As for what the subject said about buying ** with living expenses, I don't know if you followed the previous sentence and came out, or if you said what data you had seen, and then came to a conclusion. Don't you know? Do you know what the yield of ** is?

Now Alipay's Yue Bao, which is controlled by Tianhong**, gives users about financial income, which can be said to be a 100% principal-guaranteed product, and some banks and major companies have launched low-risk financial management**, whose annualized return is about 4%, and some medium and high-risk financial income is only about 20%, and the higher the return, the higher the risk. Let's ask how much is the income of 10,000 yuan in low-risk financial management for a year? Have you done the math carefully?

Even if these young people have 100,000 savings, all of which are placed in Alipay or low-risk financial management, how much money can he earn based on the annualized return? And the monthly salary of ordinary young people is less than 10,000 yuan, and it is too much to have a few thousand yuan left after removing expenses. The interest of financial management is not enough to repay the interest of Huabei installment.

As for young people's financial management concepts, don't worry, let's take a look at young people's consumption concepts first. The concept of consumption and the concept of financial management should be viewed separately.

If you only use the monthly quota without installments, Huabei has no interest, and there is no difference from ordinary money, if I take 2,000 yuan of living expenses to buy** Even if I only earn 5%, I will pay Huabei back next month, won't I earn 100? Of course, there is a possibility of losing money, and it is very likely that you are greedy and do not know how to take profits in time.

This generation's financial concept is incomprehensible to the older generation, living with Huabei is obviously the future funds spent, it is easy to over-cope with it, and it is good to buy ** with living expenses, and slowly learn financial management, and do not need to buy large amounts. Ahead of its time.

I think it's kind of a trend, because that's how I live, and I feel pretty good.

Young people are not sure of their financial management concepts, and the traditional ones are saved in bank cards, so that they can be protected.

Young people just don't always make some normal plans for the future. Basically, many people just look at the life in front of them.