Today," a news of "men transport hundreds of thousands of coins to buy a car 4s store employees count money to hand cramps" triggered netizens to watch. How many years does it take to save hundreds of thousands of coins?
According to latte factor theory, the answer is 30 years.
Once upon a time there was a couple who had to drink a latte every morning. One day, a financial advisor told them that drinking two less lattes a day can save 700,000 yuan in 30 years!! This is the famous latte factor.
Today@lisasong, there will be several ways to share small change savings, saving hundreds of thousands of coins, perhaps shortened to 15 years.
Wen | keeps a note of the @lisasong of the financial community
1, physical change - steel hammer, 1 yuan banknote, etc
March financial management is mainly about the part of change management, after the general direction is set, what projects to invest in will have a number in mind, but you may not notice the important role of change. The financial management method in March mainly talks about how to really make the change without standing guard.
Physical change is definitely the most common, this kind of change belongs to the entity, everyone can see, so often prepare a "piggy bank" at home, every time there is change, it is put in the piggy bank, in fact, such thinking is absolutely wrong! (Note: This is also explained in the book "The Magic of Tidying Up").
The essence of change is money, the "piggy bank" that has been saved for a year is rarely spent, and some people are even very proud, they have saved thousands of change, and one coin after another is sleeping!
Have you ever seen someone actually take a piggy bank to the bank? Just imagine, this thousand pieces of change, the interest rate every month is also 5 or 6 yuan, ah, the behavior of the "Tun Steel Hammer" for many years, and the Grundy bury the gold in the ground.
The role of change is money, not "collection", the real collection of money is used to invest, and these dead steel hammers, in addition to satisfying your "saving money today" false heart, is also wasting your investment time.
The right way to treat physical change:
Throw away the piggy bank at home, put the change in your wallet, and spend it to reflect its monetary value.
2. Electronic change - the current balance of banks and various platforms
Electronic change is a fraction of the appearance of various electronic products, such as monthly living expenses, I previously proposed the "leftover financial management method", according to the standard of weekly living expenses, layer by layer to give themselves a cumulative demand income, this is only one aspect of change, more electronic change, we tend to ignore, here are two examples:
Example 1: Interest income of an online lending platform
After investing in the online lending platform, there is interest return every month, which is a very common way of wealth management, in general, there are a few to dozens of dollars, some mention the existing threshold or handling fee, we will let it lie in the balance of the platform, this method is absolutely wrong! Even if there is only a few dollars of interest, we should also withdraw it, and the interest becomes the principal of our investment again, and the interest can be recovered early, which can be better compounded. However, there is one exception, if the withdrawal fee is too high, it is not worth withdrawing, such as interest 5 yuan, the withdrawal fee is also 5 yuan, then leave the interest 5 yuan and the principal together with the withdrawal.
Example 2: Balance of a bank account
If according to my previous leftover financial management method, the bank account should be a dime of spare money, all the money is giving you "raw monkeys", but there are always some cases of money arriving in the account, especially with my small partners who do projects, there are such troubles, too many platforms, there are always some fractions when the money is returned, there is less than one target money, dozens of dollars, investment is not OK, fixed deposit is not worth the effort, for such a balance, I deal with it like this:
Before going to bed every day, open your main online banking account, count the balance inside, in addition to the money to be invested the next day, the remaining money is change, unified transfer to the current p2p, I am now investing in this platform, as long as it is 12 o'clock in the middle of the night before the investment success, can calculate the interest of the day, and then the next day can be withdrawn, every month there are 5 free withdrawal opportunities, save a little change every day, keep the account balance before going to bed is 0, is a good habit I have recently developed, may only have a few cents of interest, But the effect of gathering sand into a tower and dripping water through stones is very remarkable.
In summary, it is the financial management method of change, and every penny is worth your attention.
Source: Suiji Financial Community