1, insist on saving
It is more suitable for 500 yuan to deposit an appropriate current or fixed deposit every month in case of emergency, and you can withdraw it at any time. It is best to invest with spare money. Once it is temporarily locked due to market fluctuations, it will not affect daily life. Remember one sentence: if you earn, you still have to pay, or you have to be in good health.
2. Stick to bookkeeping
Only by keeping accounts can you know your income and expenditure. Bookkeeping is not simply to record figures, but to analyze the proportion of various expenditures and what aspects of your own expenditures are too high. Is it within a reasonable range? For example, he spends nearly 200 yuan a month smoking and surfing the Internet, and he can reduce his expenses in the future, especially smoking, which is really not good for young people. Don't smoke if you can't.
3. Learn financial management knowledge
People who know how to manage money generally spend money in a planned way, and will not waste it at will. They strive to make money in life, constantly increase other incomes, and strive to achieve their financial goals. For those of us who don't understand financial management, we should first establish a basic concept of financial management and read more introductory books on fund financial management. After all, to learn any knowledge and skills, we must first learn from theoretical knowledge and arm ourselves with knowledge, so as to better transform practice.
4. Understand asset allocation
Deposit in 500 yuan every month, 6,000 yuan a year; 1 0,000 yuan is invested in short-term P2P online loans every month. At present, the annual yield of P2P financial platform is mostly around 7% ~ 65,438+02%, which is more than ten times that of bank deposits, so the interest earned is also very considerable. At the same time, risks and benefits are positively related. If you see that the benefits of a product are particularly attractive, you must remember to remind yourself and carefully examine the possible risks behind it.
5, learn to save money+make money
Personal financial management must have idle funds, and the source of this part of the funds is to learn to save money and make more money. Although saving money is simple to say, it is difficult to stick to it. We can reduce the number of dining out and various entertainment activities to control our expenses. Save money according to the formula of "income-savings = expenditure" and accumulate the principal. When you have accumulated a certain amount of funds, you can officially start managing your finances. In order to earn more money, we should think about how to get more bonuses and commissions, how to raise the basic salary quickly and take action while doing a good job. Only by working hard can there be a possibility of a salary increase. However, if your efforts still fail, you can consider developing a sideline or part-time job. You can start from your own advantages, find a suitable path, and accumulate extra income as the principal of financial management, so that you can snowball.
6. Try financial investment.
When you have enough investment funds, you can try investing in funds. At present, there are many platforms that can start from 10 yuan, and the amount of funds is extremely low. Moreover, some platforms do not need to pay for activities, which is convenient for financial management. In half a year or a year, through gradual attempts, we will lay a solid foundation for investment and financial management, and gradually add the knowledge from books to actual combat. When you gain something, you can try to invest in some funds with a little higher risk. When the investment income reaches a certain degree of stability, the investment allocation will be gradually improved to maximize the income and minimize the risk.
7. Position yourself and invest in yourself.
My monthly income is low, I am still young, and there is still much room for improvement in my income level. It is very important to make a good positioning in advance. You can take part in textual research training, or you can work hard to learn skills and increase your income. After finding your goal, you must persist in your efforts. Only by constantly improving ourselves can we have a better income and enjoy life better.