Strangers form a partnership through the Internet and supervise each other to complete their savings and financial management goals.
On social networks, young people are keen to find "partners" to save money.
According to our newspaper (Reporter Wang Xiaoying) "This month's budget is 1,500 yuan, this week's budget is 360 yuan, today's expenditure is 67 yuan, and this week's expenditure is 299.5 yuan." After the day's expenditure items, 26-year-old Mu Mu (pseudonym) clicked Joined the "Save Money and Make a Match" group on the online social platform and completed the 16th check-in.
Recently, there has been a wave of "saving money and matching" financial management on social networks. Many young people with the same hobbies of saving money or financial management needs gather together through group chats, mini programs, apps, etc. to form partnerships and supervise each other to achieve their savings and financial management goals.
"By checking in every day to record your expenses, unnecessary expenses are reduced without realizing it." Mu Mu said that everyone in the "Save Money Tie Zi" group is a stranger and will use the settings set by the group leader. Templates communicate by punching in and posting data, which is relatively simple and intuitive. There are now more than 300 people in the group, and everyone supervises each other for the same goal, which has a strong motivating effect.
Feng Wei, who graduated not long ago, told reporters that he had always been a "money earner" when he was in school. It was only after he started working that he realized there were many ways to use money. "Faced with many expenses such as rent, water and electricity, daily necessities, transportation, weekend dinners, etc., I realized the importance of having a deposit. I have tried many saving methods recommended online before, but they feel a bit complicated and difficult to stick to."
Recently, Feng Wei also joined the ranks of "saving money to make friends". "Everyone in the group is very active and will share the joy of getting paid. They will also complain a few times when the budget is exceeded. Saving money can be such an atmosphere." Feng Wei said that topics related to saving money in life are relatively private. In the group Maybe it’s because everyone is an online netizen, so they can open a chat box to share and chat, which saves them a lot of worries.
Rather than joining a "saving money group" with strangers, Ms. Liu prefers to set up a joint account with family and friends to save money. "The three of us, brothers and sisters, will deposit a certain amount of money into a common account every month. The accumulated amount will be used for parents' birthday gifts, family dinners, etc. It is basically equivalent to the AA system. We no longer have to transfer it after every expense. It comes and goes, and a lot of troubles and conflicts are avoided." Ms. Liu said that the time will be set up in the mini program to automatically transfer money, so she doesn't have to worry about remembering it, which is very convenient.
Ming Ming, chief economist of CITIC Securities, said that the rise of "saving money and partnering" groups is, on the one hand, because many young people have a stronger sense of planning for life and have clear goals; on the other hand, because such communities provide mutual encouragement A platform for exchange of experiences and experiences. The psychological sense of belonging helps to enhance the motivation to save money and learn financial management skills.
Tian Xiance, a lawyer at Heilongjiang Langxin Yinlong Law Firm, told reporters that the "Save Money Partner" group provides a communication channel for groups who love saving money. However, how to manage the saved money requires developing financial management strategies that vary from person to person. On the one hand, we must reasonably allocate assets according to personal income and expenditure, control consumption desires, consume rationally, and cultivate savings awareness. On the other hand, you must learn financial knowledge and understand the risks and benefits of different investment methods. In particular, you must stay vigilant against illegal activities, transfers and other behaviors, respond flexibly to economic challenges, and achieve steady growth in personal wealth.
(Worker Daily)