Congratulations on learning about ways to prevent youth financial issues! 

First, saving money. Ah, how do I save money from my first paycheck? Please help me! 

Now that you’ve just started earning and have income coming in, you are probably thinking about your future financial plans. Let me share some tips with you. 

You might think that small savings don’t matter, but little by little, they add up. So, let's talk about ways to save those small amounts. 

Transportation costs—I'm currently saving a lot on transportation. Have you heard of transportation passes or mobility cards? Using these cards can help you save a surprisingly large amount. For instance, the KP card offers a maximum subsidy of 60, and if you frequently transfer buses, you can save a significant amount of money. You can even use it for taxis! 

There are also the Gyeonggi Pass and Incheon Pass, which offer discounts that are more substantial than you might think.

You can save a lot of money, and now you can also reduce taxes and invest with the increased limit for the ISA account. The fact that tax savings have grown might be something I am the only one unaware of. I am a young person, and now everyone except for you all knows about this. The youth leap account, I was the only one who didn't know, but it turns out I was really the only one. The youth leap account is literally designed to help your assets leap forward in the medium to long term. You can freely contribute up to 700,000 won each month for a certain number of years. You might think, I don't have the confidence to contribute 700,000 won every month, but you can contribute whatever amount you have. So what happens then? The government provides a certain amount of support for the money you contribute. Also, this can be prepaid. The original due date is the 2nd, but you can pay early on the 1st, which allows you to receive more interest. Set the automatic payment date to the 1st, and also consider the youth housing subscription account.

What is this? If you want to buy a house, starting now, if you consistently make monthly deposits, your subscription points will increase, and you will also receive tax benefits. I believe it's still not too late to open a subscription account, and the best approach is to start slowly and steadily from now on. So, using all these methods, how much can I save in total? For five years, I can say that I am basically aiming for 50 million won. 

Lastly, there are financial products available. Even if you deposit for just one day, there are accounts that offer an interest rate of 3 to 4% per year, such as CMA accounts provided by securities firms that allow for easy deposits and withdrawals. These interest-based financial products can offer a higher interest rate than regular bank deposits while ensuring a certain level of safety. If you start preparing now, you can definitely achieve financial freedom.

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슈카와 함께하는 빚투 예방, 돈 모으기

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