What if you are poor but want to go abroad to play?

Friend, who told you that going abroad is expensive? Actually, you don't need that much money to go abroad. Let me tell you how poor I am, but I still travel abroad. Traveling abroad is not as expensive as you think.

When it comes to going abroad, many people think it's expensive. But in fact, the cost of going to a Southeast Asian country is generally lower than that of going to Yunnan. And some people, knowing that I always travel freely, say, is that more expensive than joining a group? In fact, this concept is also wrong. The cost of my free travel is definitely lower than that of joining a group. Choosing to travel freely is really rich and frugal. You can take the local tyrant route or the economic route. But in any case, the cost of going abroad freely is mostly air tickets and accommodation, and other expenses are really not much. Therefore, as long as you can get a cost-effective air ticket and stay in an ordinary hotel (if you go to Southeast Asia, most people can afford it) or a homestay, the overall travel expenses are really cost-effective.

Therefore, the cost of going abroad for free travel is far less than you think. All you have to do is prepare a small travel fund.

Then the question is, where does the tourism fund come from?

My travel funds come from the following four parts: annual savings from middle school to college, regular monthly savings, money fund income and some extra money.

If you look at the composition of my travel fund, you will find that my money mainly comes from my savings. But because I had a sense of financial management very early, I learned that there was a small sum of money (about 5,000 yuan) saved in the university. But for most people who didn't have systematic savings before, this part of the money didn't exist, so I pressed the button. Directly say that monthly regular savings, money fund income, extra money. The first thing to do is to save money well.

65438+ 05%-20% of monthly salary.

If I suddenly ask you to travel now, and you are an ordinary office worker like me, and you don't have good financial management and savings habits, then you may not be able to come up with the money at once. Even if the money is not much. Because too many people are moonlight people now, I have heard many friends and colleagues say, "I can't save money every month." In fact, they are in the opposite order. Because the savings have not been spent by the end of the month, let's see how much is left before saving. But when you get your salary, you should set aside a part and save it immediately.

Personally, I suggest that the monthly fixed deposit amount = monthly salary *20%. For example, if your monthly salary is 4,000, you'd better save 4,000 * 20% every month, that is, 800 yuan. If you think that 20% is too high for you, then at least guarantee 15% storage.

Then where did you put the money you saved? One is to set up a special savings card for storage; The second is to transfer to money fund accounts such as Yu 'ebao.

If it is stored in a special savings card, then you should make sure that this card is not bound to any online payment, and you don't carry it with you at ordinary times. In other words, this is a bank card that you don't usually use, and it is used for business trips, surgery and other emergencies. You shouldn't use this card for general shopping, payment and expenses. You have to ignore this card automatically in your mind all the time, as if you don't have it.

For example, when I graduated from college, I had a bank card (that is, when I entered college, the bank card that the school handled for us was basically not used at ordinary times, so it was used to pay tuition fees), and there were thousands of dollars in it, which was the scholarship that my university got every year. When the scholarship was posted on the card on time, I went to check and found that it had been posted. Then I automatically ignored it and didn't use it in college. When I graduated, I transferred to Yu 'ebao at one time.

Based on the convenience of mobile phones now, it can be saved in minutes, and this awareness has been cultivated. On the day of monthly salary payment, you can complete the transfer in mobile banking or Alipay APP. Saving regularly is not only to ensure your emergency needs, but also to cultivate your awareness of saving regularly. It will hardly bring you any benefits, but this step is done, and the money will be considerable for many years.

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