Strategies for Saving 100 Million Won in Two Years

She transformed her finances by strategically saving and investing, proving that anyone can achieve financial goals.

### Saving 100 Million Won in Two Years: My Journey
I initially thought saving **100 million won in two years** was impossible without a high salary or parental support, but my divorce and single parenthood changed my perspective. I implemented a strategy of **forced savings** by separating my bank accounts and automatically distributing my salary, which helped me stick to my savings goal. Additionally, I focused on **reducing fixed expenses** and **eliminating unnecessary costs**, ultimately achieving my financial target and preparing for retirement through **dividends**.

### Tips for Managing Monthly Expenses
The speaker has transitioned from the VRP 79 plan to the Toss budget phone plan, now spending a total of **74,100 won**. They have minimized internet costs and eliminated the TV reception fee, saving an additional **2,500 won**. The speaker also emphasizes the importance of using a **credit card for benefits**, suspending **duplicate health insurance**, saving on **fuel expenses**, and inquiring about **children's education policies** to reduce variable expenses.

### Managing Expenses and Income Strategy
The author maintains a budget of **150,000 won for all expenses**, inspired by Steve Jobs' neat fashion. They save on food by buying frozen vegetables in bulk and freezing them for storage. The author's income comes from a stable job, which they believe is **crucial for financial stability, mortgage opportunities, and salary growth**.

### Maximizing Tax Benefits and Wealth Management
Taking advantage of tax benefits is essential, and the year-end tax settlement can provide **significant returns**. Utilizing services like Cost Save and Toss Savings can help identify **missed tax claims** and provide additional information. Wealth management is possible with **small amounts of money**, and staying calm during stock investments is crucial to **avoid panic**.

### A Smart Approach to Investing
The speaker advocates for avoiding concentrated investments and hearsay, focusing instead on **U.S. stocks and diversified investing**. They recommend starting with the **S&P 500 index fund**, which aligns with **Warren Buffett's investment strategy**. The speaker emphasizes the **importance of taking action** and plans to share their strategies and techniques in the future.

### Achieving Financial Independence: My Journey to Saving 100 Million Won
* 💪 After going through a divorce and raising my child alone, I discovered that **saving 100 million won in two years** was possible, even without a high salary or parental support.
* 🏡 I secured a home in Suji, Gyeonggi Province, and now rely on two types of savings to prepare for retirement through **dividends**.
* 📚 Through extensive research and learning from financial experts, I implemented strategies to **save effectively**, especially during the challenging times of the **COVID-19 pandemic and zero interest rates**.
* 💰 I focused on reducing expenses by separating my bank accounts for salary, living expenses, savings, and investments, which helped **control my spending**.
* ✂ I also cut fixed costs by eliminating unnecessary expenses, such as switching to a **cheaper communication plan** and removing the **TV reception fee**, saving me a total of **2,500 won**.
* 📈 On the income side, my salary remains crucial, and I emphasized the importance of **maximizing tax benefits**, which resulted in **over one million won in refunds annually**.
* 📊 I practice wealth management with small amounts, investing in diversified portfolios like the **S&P 500 index**, and I encourage others to take action and **start investing, no matter how small the amount**.
* ✨ Ultimately, my journey underscores that taking **proactive steps and implementing strategic financial planning** can lead to **significant savings and financial independence**.

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28살에 이혼 후, 4년만에 2억을 모은 직장인이 말해주는 돈관리 비법 6가지

28살에 이혼 후, 4년만에 2억을 모은 직장인이 말해주는 돈관리 비법 6가지