The monthly salary is okay, so why can t I save money?

That's because you don't have the habit of keeping accounts, and you don't know that your money is spent on**, it is recommended that you start keeping accounts next month, look at the flow of your funds, control some unnecessary purchases, and develop good habits to be able to have a balance.

Because of the various ways of early consumption to guide young people to consume, this is the main reason why young people can't save money, and they have to pay off credit cards, Huabei and other bills as soon as their wages arrive.

It's because the monthly expenses are relatively large, and there is no strict control when spending money, so it's often as much as you earn and spend.

Because I don't know how to manage money, I don't need to spend a lot of money every month, so I can't save money.

This is because you usually spend more, and you don't have the habit of saving money, and the concept of consumption is not particularly correct, so you can't save money.

There is no personal plan. If renting. You also have to pay rent, utilities, food, and transportation. Girls also have to buy cosmetics.

Because your consumption level is relatively high. There are more things to buy. So sometimes don't consume blindly, and don't buy things that you don't need.

Even though my salary is not low, I am also practicing the formula of spending = income - savings, but why do I still often feel stretched and still have no money? With a monthly income of 10,000 yuan, I feel that I don't have a friend with a monthly income of 5,000 to save more money. What's going on?

This question is also a puzzle for many financial friends, why am I saving money, but I still have no money.

In the book "The Millionaire Next Door", the author divides wealth accumulation into two types, one is a passive wealth accumulator and the other is an active wealth accumulator. What is the difference between the two?

Passive wealth acumulators are more concerned about consumption, while active wealth accumulators are more focused on planning and investing. You feel like you're saving money and insisting on spending = income - saving, but are you focusing on how to spend your money happily or how to make more money you have accumulated? Experience guesses that you might be the former.

**。The Matthew effect is an apt way to describe this problem. The Matthew effect means that the strong are always strong, the weak are weaker, the rich are richer, and the poorer are even less rich, like a dumbbell, or the shape of an hourglass.

So, when you don't accumulate wealth as fast as others, the wealth gap between you will get bigger and bigger. So, you will feel why he doesn't earn as much as me, but he has more money than me.

What kind of wealth accumulator are you?

How to become an active wealth acuerator?

The focus is on planning! Planning! Planning!

To put it simply, on the basis of understanding the basic situation of your family (it is best to first clarify the structure of the family, the status of the family, the risk tolerance of the family, and the financial goals of the family), through financial planning, to establish three safety fences for family stability and wealth appreciation.

Basic living reserve: 3-12 months of basic living expenses.

Short-term debt reserve: 3-6 months monthly payment for RV loans.

Short-term must spend: buy a house, buy a car, get married and have children, etc.

Family reserves can also be used to earn interest, and they can be placed in: currencies such as Yu Yu Bao, interest-bearing treasures, short-term bonds and ultra-short-term bonds**, various fixed income + portfolios, taking into account income and liquidity.

The second track: medium and long-term protection, insurance and risk management.

Social security for family members: five insurances such as medical care and pension.

Commercial insurance such as critical illness insurance and accident insurance for family members.

Families purchase property insurance for vehicles, real estate, etc.

The third way: long-term protection, investment to make money!

Investment in children's education.

Pension investment. Invest in household wealth growth.

This part of the money belongs to the long-term use of spare money, is the family wealth to achieve the maximum appreciation of the expectation of money, according to different needs, can be invested in different risk products, can also be invested in slightly higher risk products.

In addition, to be an active wealth acustard, concrete practices can be done in accordance with the 4321 rule.