The Family Of "Ye Jing"

According to a recent online survey, more than 40% of the more than 3000 people surveyed Workplace People often work overtime, leaving early and returning late seems to have become the daily routine of white-collar workers

Around us, there is a group unconsciously. They work five days or more a week, and sometimes they work continuously for more than 10 hours. When the "nine to five" people fall into a sweet dream, they are still working "morning nine night nothing" conduct financial transactions What should we pay attention to?

　 Line: it's hard to reduce the burden of returning home at night

Although overtime is reasonable subsidy However, a series of potential costs caused by overtime are also increasingly prominent, which brings great pressure to white-collar workers. One of the most direct is the excess transportation cost. Take Beijing as an example, many buses stop running after 9:30 p.m.; rail transit is basically closed after 10:30 p.m.; after 11:00 p.m., taxis begin to charge night fees, starting at 11 yuan

Ms. Li, who lives in Tiantongyuan, Beijing, works in a foreign company near anzhen bridge in Chaoyang District. Almost every week, she has to work overtime for one or two days. Although the company's overtime pay is not vague, but every overtime almost to 11 o'clock, which makes her very distressed. At that time, the shuttle bus home has been stopped. The night bus basically has to wait for 20-30 minutes to come. There is a transfer on the way. It's almost 1 or 2 o'clock when she gets home. Therefore, she basically chooses to call a taxi at the door of the company. The cost of each trip is fixed at about 50 yuan, and the transportation subsidy is 300 yuan per month. Therefore, every time she worked overtime, she was heartbroken.

In fact, there are not a few cases like Miss Li. Carpooling and moving to live near the company are the main choices for most white-collar workers to save money, but there are also great limitations. First consider carpooling, most people's overtime is not stable, which brings great difficulties to find the right carpool partner. Most of the carpool people who work overtime are randomly assigned to the carpool location. Considering the safety problem, female white-collar workers have to wait for their female partners on the same road, which is even more difficult.

Moving near the company is a feasible way, but it has to be considered comprehensively. At least, the current "rent expenses + overtime taxi fees" must be greater than or equal to the rental expenses after moving to a new house, and must also consider their daily living habits and the surrounding convenience. We should be more cautious about this method.

　　 Use: the financial management experience of the yegui nationality

There is a good saying: "take your life to make money before 30 years old, and take money to make money after 30 years old." For white-collar workers who are often tired of working overtime and making up their sleep in spare time, they are more willing to be "moonlight clan" or even "overdraft clan" who do not want to spend too much money.

Ms. Wang, who works in an accounting firm in Beijing, is a person who holds the idea of "drinking today and getting drunk today". In her opinion, she usually works too hard and has no time to study stocks and futures to make investment. When she has time, she also takes a break from her busy schedule and does not want to spend any more brain power. When it comes to financial planning, Ms. Wang can't help but say that when she was an accountant in the original company, she still had time to speculate in stocks. However, since she moved to the office, she didn't have so much energy to take care of her income. She had no other way to manage financial affairs except to save a fixed amount every month.

As a matter of fact, it is not that the "night returning people" should be left alone when they have no time to take care of their money. On the contrary, considering the particularity of this group: they are generally younger (25-35 years old), and their financial burden is already (Ms. Wang has purchased a three bedroom commercial house with a monthly payment of 3000 yuan, and the provident fund loan accounts for 50%) To understand the changes in the financial market. Taking Ms. Wang as an example, experts have given a set of financial management plan of insurance and fund investment.

In terms of insurance, although Ms. Wang has basic social security, she is very concerned about major illness insurance. Her work requires a lot of computer use. Statistics show that people who are accustomed to using one side of the mobile phone for a long time have a greatly increased risk of brain tumors. In addition, the pension issue is also the issue she needs to consider. For this reason, experts believe that the insurance plan she wants to buy can consider life-long major illness insurance, women's health insurance, maternity insurance and other types of insurance.

In terms of funds, although the current level of regulation of the stock market and the overall stock market have taken a turn this year, the "night returnees" who do not have much time and energy to speculate in stocks, like Ms. Wang, are now the only choice to buy funds. In the specific purchase, you can use the "fixed amount" method, that is, every period of time, invest in a fixed amount of funds. The advantage of this method is that we don't have to care about the fluctuation of market price. When the market price rises, the number of units purchased is less; when the market price falls, we buy more units. In the long run, the cost and risk are naturally spread low, and then sold at one time when necessary. Therefore, it is also known as "Fool Investment".

Considering that Ms. Wang has about 3000 yuan of house loan every month (but in fact, a unit accumulation fund can offset part of it), and combined with her usual consumption of credit card, she can boldly withdraw 1500 yuan from the remaining 2500 yuan each month to buy an open-end fund {page_ break}

　 Live in: find a nest

First of all, the question before us is whether to rent or buy a house. For young white-collar workers who have just started working for a few years, renting a house is definitely the choice of most people. In fact, according to the latest psychological survey report, in the face of today's high housing prices, it's not wise to bear huge mortgage debt at the beginning of a career. It is said that 98% of mortgage borrowers have psychological depression. Night returnees who often work overtime are more sensitive to work pressure, so we should avoid more external pressure from the objective environment.

After working, Mr. Fang has been renting in the No. 1 subway District of Tongzhou District, Beijing. He takes the subway to go to work every day. At the beginning, I chose this two bedroom house, not only because of its convenient transportation, but also because the balcony of the room is facing the greening of the community. It has the treatment of "landscape house". Of course, the price is not too low. After several negotiations on the monthly rent, it still costs 1800 yuan. Now, after often working overtime, Mr. Fang finds many problems bothering him. For example, the subway stops running after time, people often wake up when they go home late at night to wake up the doormen of the community. They complain that they want to eat some supper at night, but they find that the shops around them are closed. In the morning, it is difficult to sleep quietly because a kindergarten in the community starts school early After several months in a row, he can't stand it almost every day. He is planning to choose another house.

It is not difficult to see that the life of "yegui" is quite different from that of ordinary people, which also causes the particularity of the living habits of this group. In this regard, it is natural to consider these particularities in the "comfortable nest" where they can relax and rest. In other words, if they choose to rent a house, is it just a matter of choosing an area with convenient transportation and low price to rent? The answer is No. The night returnees, who are almost reversed in black and white, should be more "picky" about their living environment: pay attention to the surrounding environment of the house as far as possible away from the noisy places such as restaurants, seafood city, singing room and the area to be constructed, so as not to affect the rest; Whether there are 24-hour convenience stores and restaurants at night? If it is a high-rise residential building, try to choose the low rather than the high, so as to avoid going home late at night, and the elevator has stopped. In addition, traffic (with or without night bus), public security environment, price and other factors should be considered.

The so-called "landscape house" where Mr. Fang lives is even more unnecessary. Generally speaking, the price of landscape housing is not cheap, but for those who "go to bed early and return late", they need to consider the cost-effectiveness of purchasing landscape houses. Because night owls like this usually have no leisure to watch the scenery except going to work and sleeping. Therefore, if you spend a lot of money to rent landscape houses, the utilization rate will be greatly reduced.