What to do if you have no money? ——Top 10 hot topics and practical solutions
Recently, "What to do if you don't have money" has become a hot topic on social platforms. Under economic pressure, many people are looking for ways to increase revenue and reduce expenditure. The following is a collection of hot topics across the Internet in the past 10 days and structured solutions:
1. Statistics of hot topics (last 10 days)
| Ranking | Topic keywords | Search volume (10,000) | Main platform |
|---|---|---|---|
| 1 | Make money on the side | 285.6 | Xiaohongshu/Zhihu |
| 2 | minimalist life | 172.3 | Douyin/Bilibili |
| 3 | second hand transaction | 148.9 | Xianyu/Zhuanzhuan |
| 4 | Tips for shedding wool | 136.2 | Weibo/Douban |
| 5 | Zero cost business | 98.7 | WeChat public account |
2. Three core solutions
1. Open source: zero-cost monetization solution
•Skill realization: Freelance jobs such as design/translation/programming (Platform: Zhubajie/Upwork)
•content creation: Short video to promote goods, public account writing (Case: Zhihu recommends good things and earns more than 5,000 yuan from a single article)
•second-hand economy: Tips for improving the resale rate of idle items (the transaction rate of clothing can reach 65%)
2. Savings: A guide to downgrading consumption
| Consumption category | alternative | average monthly savings |
|---|---|---|
| Catering | Homemade bento + community group purchase | 800-1200 yuan |
| clothing | Second-hand platform + basic model mix and match | 500-800 yuan |
| entertainment | Free exhibition + park activities | 300-500 yuan |
3. Financial Management: Small Fund Management
•52-week money saving method: The deposit amount increases every week, with an annual deposit of 13,780 yuan.
•money fund: The annualized return of investing in products starting from 1 yuan is 2%-3%.
•debt management: Give priority to repaying liabilities with interest rates exceeding 6%
3. Sharing of hot cases
1.Douban "Stingy Group": 350,000 members share money-saving tips, such as the “10 Yuan a Day” challenge
2.Douyin's "Side Business Goods" Topic: The number of views reached 320 million, and unpopular side jobs such as account writing have attracted attention
3.Alipay "Bibizan": The number of users of the automatic money saving function exceeded 20 million, with an average monthly deposit of 152 yuan.
4. Expert advice
Economists point out:
“Three principles of personal financial management in 2023:
①Establish a 3-6 month emergency reserve
②Develop transferable skillsDealing with occupational risks
③Avoid impulsive debt spending"
To sum up, when you don’t have money, you need to systematically plan the combined strategy of “increase income + expenditure reduction + financial management”. The feasibility of this method has been verified recently. The most important thing is to take action now and start recording every income and expense today.
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