Text/Chen Haoxing

　　Nowadays, some young people are beginning to pay attention to financial planning and use online platforms to find "money saving partners" to achieve financial management goals.

　　What is a "money-saving tie-in"?

Is this mutual motivation method effective?

How to "build a deal" by "saving money"?

　　"Tiezi" is currently a popular way of socializing among young people. It refers to a partnership formed by people with the same interests, hobbies or needs in a specific field or scene.

　　Guo Shijun learned that there are two modes of "saving money and making friends".

　　In the first model, a group of young people with savings and financial management goals gather together through a WeChat group chat, and jointly increase the amount of deposits and money by checking in on daily and monthly mandatory deposits in the group chat, supervising each other, and sharing financial management experiences. Financial planning skills.

This model aims to overcome personal financial management difficulties and create a more stable economic foundation through unity and cooperation.

　　The second model is to use family members and acquaintances as "partners" to pool their financial advantages to purchase some high-yield financial products that require a certain amount of funds. It is easier for the "partners" to gather considerable financial income.

　　Through multiple contacts, Guo Shijun contacted a group leader who was responsible for managing a "money-saving and partnering" group with 100 members.

The group owner Xiaoxiao (pseudonym) said that this year after the public account launched a group looking for "honeypots to save money," interested "honeypots" started to appear one after another during the Chinese New Year and added her WeChat account.

　　According to its description, members of the group need to check in to save money in the "Taizi group" every day. At the same time, the group has mandatory requirements for the amount of monthly savings, which currently cannot be less than 2,000 yuan.

In addition to checking in in the group, some group members will also share some tips for saving money with each other.

　　"Currently, the group is mainly composed of women who have just given birth or are about to give birth. Some of the 'baby mothers' have turned into savings anxiety due to childbirth anxiety, so they are more concerned about future financial security and planning. Some 'baby mothers' are used to being 'Money earners', but after having children, they are afraid that they will not be able to control their 'buy, buy, buy' consumption behavior, so I hope to encourage them to save money by supervising and motivating each other," said Xiaoxiao.

　　When Guo Shijun expressed that he also wanted to be a part of the "money-saving and dating" group, Xiaoxiao declined Guo Shijun's intention.

　　She admitted that currently this group only accepts girls to join.

In this regard, Xiaoxiao explained that because there are certain differences in consumption habits and financial management concepts between women and men, and the discussions in the group sometimes involve some topics that are relatively private to women, so she will not consider accepting "male hookups" for the time being.

　　However, she also said that if there are enough "male hookups" interested, she could consider establishing a separate "money-saving hookup" group specifically for boys.

Does "saving money and matching" really work?

　　Today, consumerist culture continues to induce people to pursue material comfort, leading some people to spend beyond their means.

Saving regularly has become a common challenge faced by many young people.

Therefore, it becomes crucial to spend wisely, develop a sound budget plan and develop saving habits.

　　Many experts said that partnerships such as "saving money partners" are a reasonable means to promote individuals' willingness to save.

　　Pan Helin, co-director and researcher of the Digital Economy and Financial Innovation Research Center of the International Joint Business School of Zhejiang University, said in an interview with China News Service that “saving money and matching” actually have two important functions.

The first is to provide a platform for mutual encouragement and experience exchange. Members set common deposit goals and supervise each other to enhance their motivation to save money and learn financial management skills. The second is to achieve "grouping for warmth" and broaden investment channels by pooling capital advantages.

　　In Pan Helin's view, the effectiveness of savings tie-ins lies in the fact that the core goal is deposits, not risky investments.

By brainstorming, "partners" can find investment directions with relatively low risks and high returns, thereby achieving wealth appreciation and economic security.

This approach of collective wisdom and teamwork provides young people with a reliable financial management model that enables them to calmly cope with economic challenges and future uncertainties.

　　Wan Zhe, a professor at Beijing Normal University and former chief economist of China National Gold Group, pointed out that China’s economy is undergoing a transition from high-speed development to medium-high-speed development.

Some young people have also fallen into the trap of over-consumption.

However, in recent years, young people have tended to consume and save rationally when facing common challenges, and the social phenomenon of "saving money to match" has emerged.

　　She further said that this kind of "saving money and making friends" relationship is similar to a WeChat step competition or a square dance group, which strengthens individual behavioral constraints and changes through mutual stimulation and supervision.

The support and motivation of this kind of social network is particularly important because it provides a mechanism for behavioral guidance and habit formation.

　　Wan Zhe also reminded that "saving money and matching" is not applicable to everyone, but depends on the individual's economic situation and consumption habits.

At present, at the macroeconomic level, society still needs a certain degree of consumption to promote economic growth, but it also needs to call for rational consumption and conservation concepts.

"Therefore, we should develop reasonable financial management and consumption strategies based on our personal financial status and consumption plans."

Be wary of strangers "matching up"

　　Many experts also reminded that when discussing money saving experiences and learning financial management skills with your own "money-saving partner", you should also be prepared to a certain extent and do not blindly transfer or remit money to unfamiliar "money partners".

When conducting financial management, you should also act within your ability and do not speculate blindly.

　　Pan Helin suggested that in 2024, investors can focus on regular investment in ETF funds and currency funds. For fixed investment in ETF funds, a stable job is required as a prerequisite.

For monetary funds, you need certain professional knowledge, including common sense about currency exchange rates, interest rates, etc., to get involved.

　　Pan Helin further gave an example that it is feasible to participate in U.S. dollar treasury bond investment in 2021, but when the Federal Reserve cuts interest rates in 2024, it may be more reasonable to participate in emerging market treasury bonds.

　　Luo Xueming, chief expert of Guangdong Modern City Industrial Technology Research Institute, also believes that with the development and changes of social economy, personal financial management requires new ideas. We should understand the direction of national macroeconomic policies, adjust financial management strategies in a timely manner, seize opportunities, and avoid risks.

　　When formulating financial management strategies, investors need to consider personal income and expenditure, reasonably allocate assets, establish a sound budget system, control consumption desires, and cultivate savings awareness.

Investors should also have certain financial knowledge, understand the risks and returns of different investment methods, and make rational choices based on their own tolerance.

Develop scientific financial plans to flexibly respond to economic challenges and achieve steady growth in personal wealth.

　　"We must be wary of financial traps and scams, protect property safety, and ensure the stability and security of personal finances." Luo Xueming said bluntly.

　　Wan Zhe suggested that personal financial management should first focus on living within one's means and spending rationally.

Secondly, you should choose formal institutions when investing and managing money, and choose appropriate methods based on personal circumstances to avoid excessive leverage or speculation to avoid risks.

　　She emphasized that whether it is financial management or online social transfer, one must pay attention to risks.

In online social interactions such as "saving money and making friends", the supervision and incentive mechanism is feasible on the one hand, but if it involves illegal activities, transfers and other risky behaviors, it should be treated with caution.

We need to remain vigilant regarding all types of economic activities, including financial management businesses.