Freshmen who have just entered the society often have such a situation. They want to save money, but they can't keep it. Once the salary is paid, the expenses are basically zero. In this state of panic, many people began to think about how to make a plan for their own funds, so as to achieve a satisfactory financial management result. So let's follow and see what to do now.

1. Establish a correct consumption concept

Graduates who have just entered the society generally change from relying on their parents' fixed monthly living expenses to their own economic independence. Because of the "financial freedom" of college life, many bad consumption concepts have been formed, such as spending money lavishly, neglecting practicality and paying attention to personal enjoyment. So the first step is to establish or change our consumption concept and self-discipline.

2. Learn to keep accounts every day

With a correct concept of consumption, it is necessary to develop the habit of keeping accounts every day. Many people often forget how much they spend, learn to keep accounts and record every expenditure, so that they can not only know where their funds have gone, but also adjust their consumption expenditure through their consumption preferences.

3. Reduce or eliminate loan consumption.

Nowadays, many college students are deeply involved in online loans. Without full ability to pay, they rob Peter to pay Paul, which makes themselves or their families suffer greatly. This is the result of unequal consumption and income. I suggest that you reduce or try not to use loans or credit cards at the beginning of your work, and then use credit cards when you have basic deposits and stable expected income.

4. Learn to manage money

After doing the above, you can make a plan for your current income. The specific plan is to determine the amount of financial management for one month according to your own consumption income, and then guarantee this fund every month. Here, it is suggested that fixed investment financing can be carried out, which can not only guarantee the monthly deposit principal, but also obtain additional expected interest income. When you have accumulated a certain amount of funds, you can choose other financial management methods.

The above views on how newly graduated college students should make financial planning are for reference only, and I hope they can help you. Warm reminder, financial management is risky and investment needs to be cautious.