When talking about salary, our first reaction is always monthly salary or annual salary. A monthly income of over 10,000 yuan is already the best in most people's impression, but few people mention hourly wages, as if the longer the salary cycle, the more acceptable this income is.

If someone is willing to give a "living salary" - a lifetime salary, it is estimated that some people will be happy to hear it.

However, if the monthly salary or annual salary is converted into hourly salary, you may sigh, "Hey, it turns out that my one hour is worth xx yuan."

For example, a monthly salary of 10,000 yuan, 996, and a month is calculated based on 24 working days, the average hourly wage is about 34.7 yuan.

And today's article is to share with you: we ordinary people must have a concept of money.

1

It is estimated that few people have calculated how much their time is worth.

Then let's take a look at a set of simple calculations:

Monthly salary of 10,000 yuan, according to the plan of working 22 days a month and 8 hours a day, working 176 hours a month, the hourly income is 56.8 yuan.

In the same situation, if the monthly salary is 8,000, the hourly rate is 45.5 yuan, the monthly salary is 5,000, about 28.4 yuan; the monthly salary is 3,000, about 17 yuan.

I don't know if it's not calculated, but it's shocking, and the above calculations have not yet added commuting, free overtime, taxes, various welfare deductions, etc.......

Let's take a look at another set of data:

A taxi ride of 20-30 yuan = 10-15 air-conditioned buses

A cup of coffee of 30-40 yuan = a box of milk

A hot pot meal of 200-500 yuan = 5 catties of pork + 1 catty of chicken wings + 30 eggs + 10 catties of rice + a barrel of oil...

A fruit 15Pro = 1 air conditioner + 1 washing machine + a TV...

If all the physical objects are converted into hourly wages, a monthly salary of 5,000, a cup of coffee is about equal to 1 hour of work, and a hot pot meal is about equal to 7 hours of work. Is this a more concrete concept of money?

Of course, everyone's needs and consumption concepts are different, and there is no good or bad, but no matter how you spend money, I believe everyone must have thought about saving money. After all, we all know that saving money is confidence, security, and capital to resist risks.

2

Therefore, I have sorted out some very practical ways for ordinary people to save money, which are divided into fun saving methods, account saving methods, and compulsory savings methods.

? Fun saving method

30-day countdown method

Deposit 30 yuan on the 1st of each month, 29 yuan on the 2nd, and decrease in sequence. Save 1 yuan on the 30th. If you save like this every month, you can save 5,580 yuan in a year.

52-week saving method

Save 10 yuan in the first week, 20 yuan in the second week, and increase by 10 yuan each week. Save 520 yuan in the 52nd week, and you can save 13,780 yuan in a year.

Weekly Savings Method

Save 10 yuan on Monday, 20 yuan on Tuesday...70 yuan on Sunday, 280 yuan every week, and you can save 14,560 yuan in a year.

365-day Savings Method

Find a notebook and write down the numbers from 1 to 365 in sequence, randomly select the amount corresponding to the number every day to save money, and cross out the number every time you save a sum. You can save 66,795 yuan in a year.

These saving methods are very flexible, and the amount can be adjusted according to your actual situation. They are very suitable for financial management novices who want to cultivate the habit of saving money.

? Account Savings Method

First, you need to distribute your monthly income according to the proportion, and then divide it into different accounts. If you don’t know how to divide it, you can refer to: regular savings account, reserve account, investment account and consumption account.

Regular savings accounts are used for fixed savings every month. Without special circumstances, the money will not be moved again, such as depositing it in a bank for 3 to 5 years. If you consider higher returns, you can also choose savings insurance.

The reserve account is used for emergency situations. It can be deposited in a stable bank financial management that can be flexibly applied for and redeemed. In this way, it can not only have a certain interest, but also be withdrawn immediately when in urgent need.

Investment accounts are mainly funds, stocks, etc. Of course, in the current situation, it is not particularly recommended. This account is set up on demand.

Consumption accounts are used for daily consumption. This money can be cash or placed in a balance account, and it can be paid directly when needed.

The idea of ​​the account saving method is to take into account both compulsory savings and flexibility, so that each sum of money can maximize the interest we earn.

? Compulsory savings method

12 deposit certificate method

Deposit a fixed amount every month, a total of 12 deposits a year. If the deposit is for 5 years, then after 5 years, there will be a sum of money due every month. In the 6th year, the fixed amount to be deposited each month, plus the principal and interest due, will continue to be deposited for another 5 years, and so on, and the interest will be compounded all the time.

Savings insurance annual payment method

If you already have an initial fund, want relatively high benefits and want to have a certain degree of flexibility, you can choose the savings insurance annual payment method.

For example, if your idle funds are fixed at more than 100,000 yuan per year, you can choose a product with a predetermined interest rate close to 3%, adopt an annual payment method, pay 100,000 yuan in premiums each year, and force the money to be stored. Later, you can use it as your pension, marriage money, children's education money, etc.

For friends who want to save money but can't control their spending, compulsory savings is a way to consider. Not only can the money be saved, but the benefits are also relatively high.

Three

Perhaps we have experienced too much in the past few years, three years of epidemics, poor economic conditions, ugly green fund stocks, etc., so seeking a stable and safe way of saving with higher returns is of great concern to each of us.

Now that the atmosphere is here, we can't help but mention the compulsory way of saving money - savings insurance, which is definitely your money-saving weapon.

Not only is it highly secure and stable, but it can also lock in long-term benefits and is not affected by the downward trend of interest rates.

If you deposit money in a bank, the interest rate may drop significantly when you deposit it again 3-5 years later (this is by no means an exaggeration), but savings insurance can be kept in the account for a long time and the interest is determined when you take out the insurance. You can clearly know the cash value at any point in time.

At present, the long-term interest rate of good savings insurance is infinitely close to 3.0%, and there are even dividend benefits. The longer the time, the more substantial the return.

Let's take an example:

A 30-year-old male insured CMB Sinolido No. 3 Whole Life Insurance (Dividend Type), with an annual payment of 100,000 yuan for 5 years,

At the age of 50, the guaranteed benefit of the policy is 664,054 yuan, the dividend benefit is 849,017 yuan, and the total benefit is close to 3 times the premium paid;

At the age of 60, the guaranteed benefit of the policy is 849,167 yuan, the dividend benefit is 1,243,492 yuan, and the total benefit is 4 times the premium paid;

If there is an urgent need for money during the period, you can also receive the cash value through a policy loan or reduction of insurance to obtain cash flow. After formal retirement, if necessary, you can withdraw the insurance to obtain a sum of money for your own retirement and children's education and marriage.

Of course, you can continue to hold it for a long time. When you are 80 years old, the total benefit (guaranteed benefit + dividend benefit) is already 7 times the premium paid.