The Costs And Benefits Of Going Home For The New Year

"Money without money, go home for the new year", no matter whether the ticket is expensive or not. booking It is difficult to change the traditional Chinese mentality of going home for the new year. Expect 。 From the perspective of economics, it is also interesting to calculate the cost and benefits of going home for the new year.

From a personal point of view, it is almost impossible to achieve the balance of payments during the Spring Festival. But in different people, wealth transfer and gap will be very intuitive.

　　 High paid people: leisure money is not idle.

In the predictable range, high salary people can make a reasonable plan for their year-end bonus so as to achieve the effect of idle money during long holidays.

At the end of the year, 70 thousand yuan is held as an example. How to allocate these idle funds in order to achieve the most effective use of funds? Hong Hui, chief financial adviser of Hong Hong wealth investment, told reporters that for the allocation of funds of about 50 thousand yuan, the purchase of short-term assets of banks is relatively high and the risk is relatively small.

Tu also suggested that if there were more idle funds, some loans could be considered ahead of schedule, because the current interest rate has been relatively high, and early repayment is also an effective way to save late expenditure.

A reporter from a bank financial management office learned that for about 50 thousand yuan of funds, if the purchase of the bank 70 days of financial products, the expected yield of about 500 yuan. At the same time, the financial manager also revealed: Conduct financial transactions Product returns and capital size are positively related to the product cycle, so the more funds and the longer the period, the higher returns. If you need to maintain capital gains and do not want to take too much risk, investment in financial products will be a good choice. "

　　 New employees: high cost, zero yield

Miss Yang from Jiangxi is a fresh graduate who just stepped into the workplace in 2011. She recently worked in a magazine in Beijing, so she didn't even get her first salary after the Spring Festival.

According to miss yang, during the probation period, the monthly salary is 3000 yuan, except for the rent and living expenses in Beijing. Speaking of the Spring Festival coming home, Miss Yang has mixed feelings: "air tickets are definitely not affordable, they can only buy train tickets, though it is difficult to buy, but now buy a hard sleeper ticket. 11 hours to Nanchang, that is, turning home is troublesome.

It is not only the cost of transportation that worries Miss Yang. Miss Yang said, "as a person who has already worked, there must be no red envelope in the New Year! I do not accept the red envelopes of my elders for many years. But according to our custom, we must send red envelopes to the elderly and children in the first year of work, which is another expenditure.

Miss Yang said there were grandparents and nephews in her family. Her grandparents' red envelopes were indispensable. Her nephew's toys and red packets were also indispensable, and she wanted to prepare for her parents' New Year's gifts. Thinking of these expenses, Miss Yang called on too much pressure.

Not only that, but in terms of income, due to the lack of workload during the Spring Festival holiday, Miss Yang's salary downward in January is a fact. Due to the short time of entry, Miss Yang's year-end bonus is not high. Miss Yang reluctantly said, "making ends meet is the perfect summary of my Spring Festival this year."

　　 Housewife: the purchase of new year's products is also a question of University.

Preserved meat, cookies, melon seeds, new year sweets, seafood... In the stores of Carrefour, WAL-MART, talisman and Dong Bai, all kinds of new year's products have been on the scene. At present, the consumption of annual goods in Beijing's retail market has entered a peak period. Due to the increase of food raw materials, labor costs and inflation factors, the price of goods for this year's goods has increased by nearly 10%.

As a necessary scenery in the new year, the purchase of new year's goods is also very important. Unlike in the past, some consumers have begun to use electronic business to buy new year products to save money and facilitate shopping.

At present, besides the major e-commerce websites, the theme of new year's products has been launched. Taking the online and offline combination of new year purchases is a new trick for Ms. Huang, who lives in Guangzhou this year, to buy new year products.

In the past, the necessary new year products, such as couplets, stickers, such as jujube, melon seeds and other dry goods, Ms. Huang ordered the group purchase website a few days ago, such as this year has not yet arrived, the annual goods have begun to set up.

In addition, Ms Wong said that the recent exhibitions of several new year products took place in Guangzhou Tianhe Sports Center, Pazhou Exhibition Hall and Jinhan Exhibition Hall. All kinds of new products are available. Ms. Huang has bought some biscuits and other foods. She said, "biscuits are easy to crush and taste different, so I choose to buy them on the spot, so I can try them first."