乐活基金是什么,为何人人都需要

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想知道如何毫无心理负担地花钱吗?本文将为您介绍乐活基金,它将满足您所有奢侈欲望,而且完全不会产生内疚感。继续阅读,了解您为何需要乐活基金,以及如何在币安上创建该基金。

如果连一丁点的放纵享乐都没有,生活还有什么意义?无论是做一次水疗好好放松一下紧张的肌肉,还是购物狂欢,又或者是出游一个月重新发现生活的美好,甚至是远离城市生活来一场说走就走的游轮旅行,您都要在几个月的辛勤工作后好好犒劳自己一番。

当然,就像拖延会令人内疚一样,单纯为了享乐而花钱可能会影响您玩乐时的心情,尤其是您心知肚明赚钱有多难。说到如何在毫无心理负担的情况下消费,我们已经找到了解决方案。这里隆重推出乐活基金—成人的存钱罐,帮助我们努力工作,畅快玩乐。

乐活基金究竟是什么?

这个概念非常简单—先存钱,再消费。还记得小时候将零钱放入存钱罐吗?当它变得越来越满,越来越接近取钱日,您会感到兴奋吗?您可以再做一次——这次最好是用成人存钱罐。

举个例子,如果您想每年安排一次长假,您可以为这次旅行设立单独的储蓄账户,每月放入部分工资;如果想每月品尝一回奢侈的无菜单料理(omakase)或米其林推荐牛排,您也可以使用乐活基金轻松做到;如果计划在黑色星期五无预算地疯狂购物,您也可以动用您的乐活基金。如果这还不足以让您考虑创建乐活基金,那么请继续了解选择乐活基金的其他理由。

乐活基金必备理由

1.避免精力透支

当您长期处于高压与疲惫状态,就会精力透支,最终导致您丧失动力,变得越来越效率低下。为了避免精力透支,需要及时休息,减压并充电,这点很重要。这样您就可以长时间朝着目标继续冲刺。专为休闲娱乐而花钱,可以犒劳自己,避免精力透支。

2.毫无心理负担地娱乐

休息放松很重要,但有些爱好可能会给您的钱包带来负担。无论您的娱乐是旅行、做手工还是收藏,如果我们边玩边计算开支,那大多数人都无法尽情享受。如果您预留了娱乐资金,情形肯定会大有不同,您可以适当减压,还无需在事后因花钱而心疼。

3.拥有随心所欲的实力

说走就走的旅行和随性的疯狂购物的确其乐无穷,但也确实是一笔不菲的开支。想要在周末漫步于蔚蓝海岸,尽享美妙的岛屿度假,首先您需要一些闲钱。如果您在忙得没空花钱的就开始存钱,您的消费能力就会与日俱增,足够支撑您在闲暇时随心所欲地放飞自我。

4.培养有意识的消费

“为什么我总是花这么多钱?为什么这个月的账单金额这么高?我的钱都去哪儿了?”我们也许没有太多昂贵的爱好,但偶尔的几次放纵,往往加起来数额惊人。然而,当我们计划支出时,会开始有意识地比较已支出与可支出的资金,这让我们更加了解自己的消费习惯。您不知道的是,减掉每天的拿铁、出租车和周五晚上的酒水开支,就已经足以填充您本月的乐活基金!

5.鼓励养成更好的储蓄习惯

只要您密切关注乐活基金进度,就会更深入地了解自己的储蓄偏好,明白需要培养什么样的储蓄习惯才能适应您的生活方式。如果您还没有定期储蓄,可以使用乐活基金作为起点。它不仅灵活且易于上手,而且投入要求低。它会在储蓄之旅结束时犒劳您,激励您保持新的储蓄习惯。

如何创建乐活基金

准备好开启乐活基金了吗?四个简单步骤,开启乐活基金!

第1步:设置目标

先想一想都有哪些好玩的事情。想象有哪些项目会令您感到轻松愉悦,然后写下所需费用。机票、住宿、水疗按摩、艺术即兴演出、品酒、音乐节、露营设备以及个人美容体验,这些只是乐活基金目标中众多内容的一部分。毕竟,只要您有预算,就能畅快玩乐!写下每个项目的预估费用,计算总费用,就得出乐活基金的储蓄目标。请务必为目标添加截止日期,这将帮助您顺利实现目标。另外,期待着犒劳自己也是一件有趣的事情。

第2步:决定储蓄方式

有些人更喜欢“消费减法”,减少不必要的日常开支,或者在每个发薪日,将部分固定薪水转到单独的储蓄账户。其他人如果无法坚持长期储蓄,可以选择每月现金挑战,让储蓄变得更有趣。如果您已经在收紧预算和储蓄,还可以考虑副业、高息储蓄账户,或者被动收入,这些都可以帮助您更快地增加乐活资金。如果想赚钱,您可以将部分现金存入您的币安加密货币账户,来购买加密货币,并享受存款利息。最后,无论您选择何种储蓄方式,请一定要朝着乐活基金的目标不断努力。

第3步:查看您的乐活基金

生活总是充满各种意外让你的计划落空,抽空看看您的乐活基金存了多少钱,总归会有一些安慰。比如,可以将发薪日定为查看日,这样当您发现自己落后于目标时,就可以多转移一些薪水到乐活基金中。

第4步:打破“存钱罐”!

时机一到,您就可以从基金中取出来一部分钱,甚至将所有的钱都取出来。购物血拼、全部花光,或者来一场说走就走的旅行!尽情享用在忙碌时不断增长的乐活基金,恰当享受劳动成果。您值得拥有。

准备好乐活(基金)了吗?一切准备就绪!

想要痛快玩耍,又担心花钱太多,这样只会将所有的好心情破坏殆尽。从现在开始创建乐活基金,让您在为热爱的事物花钱时再也不会心生愧疚。只需稍加练习,这种健康的储蓄习惯就可以让您尽情享受生活的美好,无需等待退休之日。

 

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