Currency devaluation happens every year. In the current situation of currency devaluation, the best way for me to deal with currency devaluation is to learn how to manage money. Of course, I am a financial professional and have a certain understanding of wealth management products, so my assets are mainly wealth management products. Therefore, I personally suggest that you learn to manage money to resist risks, and learn products that you have the ability to manage money, so as to preserve and increase the value of assets.
Increasing income has been effective in dealing with currency depreciation in recent years, especially in 20 19. Due to the rise in pork prices, many commodities have risen to varying degrees, and most commodity prices have risen.
It is precisely because of this obvious price increase that the purchasing power of money is directly reduced, and many people begin to complain, why don't wages rise? I used to work for several thousand yuan, and I lived well every month. I still have some money to save, but in recent years, I have earned several thousand yuan, and my life is very tight. I am a moonlight family every month, and I have no money to save at all.
This phenomenon is the impact of currency depreciation, so if you want to deal with this phenomenon of currency depreciation, you must increase your income. Before that, your monthly income of 5,000 yuan will increase to 7,000 yuan, which is 8,000 yuan. For example, you can adopt the following methods:
1.
If you switch to a high-paying job, it will be difficult for your salary to go up when your original unit is stable. At this time, the unit will not give you a salary increase, which is too low. You can ask for a raise. If the unit doesn't give you a raise, you can only find a job higher than your original job according to your own ability.
2.
Of course, if you don't want to change your job, your original salary is too low and your life pressure is too great. You can do part-time jobs after work. For example, part-time jobs can be from the media. Now, whether it's sending pictures or making small videos, the media are quite popular. Spare time can be carefully managed, and the income of several thousand yuan per month is still stable.
Learning to manage money to deal with currency depreciation is one of the most effective and simple ways to resist currency depreciation for a long time.
In fact, learning to manage money is to find ways to turn your existing cash into some value-added or value-added assets. Only in this way can we truly achieve the impact of the devaluation of the people's currency. For example, the following methods can be adopted:
1.
Turning cash into risk-free fixed assets is similar to buying government bonds, which can resist inflation; Secondly, you can choose to deposit a large deposit certificate in a bank or deposit a large deposit certificate in a private bank. These are fixed assets, and the principal is safe. As an ordinary person with no other financial knowledge, it is the best way to fight inflation in this way.
2.
Turn cash into real estate. Of course, when the domestic property market is cold, you can't buy it with your eyes closed. You can make money, but the house itself has the function of maintaining and increasing value. If you use cash to buy a property with appreciation space and development prospects, this method is also very reliable, and the house is the most valuable asset in the long run.
3.
Some people, in order to fight inflation, exchange RMB for US dollars when the currency depreciates. Of course, this is also a method, but this kind of anti-currency devaluation is not very good, involving the exchange rate market, many ordinary people simply do not understand the exchange rate market. This method does not recommend that ordinary people blindly change cash into dollars.
Of course, learn to manage money. In addition to these, there are actually many financial products, such as bonds, funds, trusts, stock trading, futures speculation and so on. , are all financial management. You can't understand everything. As long as you learn one or two kinds of financial management, you can preserve or increase the value of assets.
Summary analysis
What methods should ordinary people take to deal with currency depreciation; According to personal experience and relevant suggestions, this paper gives two methods of increasing income and learning to manage money, and takes some measures for these two methods.
For many ordinary people who have some savings, we should really pay attention to the impact of currency depreciation. Only by paying attention to this problem can we really make our life better and better, and we will not live tighter and tighter in the future.