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According to the Household Financial Welfare Survey announced by Statistics Korea, the average monthly income of workers in their 20s lingers between 2.3 million and 2.7 million won. If you try to save the money left over after paying high rent and living expenses using willpower alone, you will eventually fail due to the illusion of account balance. You must physically split your accounts to actually save money.
The moment your salary comes in, you need to set it up so that more than half of your income flows out into your savings account.
By using this method, 1.25 million to 1.75 million won piles up in your savings account every month without even needing to think about it. Link only a check card to your spending account to block yourself from spending any more once the balance runs out. You should also set aside 10% of your monthly income into a CMA emergency fund account so that you never have to break your savings account when unexpected expenses arise.
A full month's account book provides feedback way too late. By the time the end of the month arrives, you starve yourself extremely and end up binging, causing a consumption yo-yo effect. It is much better to divide a month into 4 weeks and settle accounts every 7 days. Keep your food expenses tied down between 10% and 15% of your income.
Combine your food and leisure expenses and use the envelope budgeting method, where you only hand yourself a cash limit for a single week.
By doing this, even if you overspend your budget, you can immediately bounce back the following week without suffering from guilt. Instead of expensive cultural activities, finding library e-books or free exhibitions allows you to maintain your daily life without spending money.
Your late 20s is a period when you can fully enjoy the effects of compound interest. Individual stock investments that require staring at the stock market every day will wear you out and easily eat away at your principal. It is much better to silently ride along index funds that hold representative indices like the S&P 500 or KOSPI 200. Using a brokerage-type account allows you to benefit from tax exemptions and low-rate separate taxation, which is advantageous for defending your returns.
Turn on the periodic automated purchase feature in your securities app to eliminate time spent worrying.
Once you set up the automated purchase system, it is best to turn off securities app notifications and avoid opening the app more than once a week. This is the only way to block the human instinct to panic sell when unable to endure losses.
Telecom expenses are the item that should take the first cut among fixed costs. For mobile carrier plans whose contract periods have ended, re-subscribe to the selective contract discount to cut about 17,000 won every month. Switching to a no-contract budget phone plan can lower your fixed costs down to the 40,000-won range per month. Utilizing comparison platforms like Smart Choice or Momo makes it easy to find a plan that fits you.
Subscription services and automatic transfer histories must be cleared out all at once to stop money from leaking.
Immediately transfer the 70,000 to 80,000 won saved every month from trimming telecom and subscription fees directly into your securities automated purchase account. If you leave it in your hands, it will just disappear again.
