But some friends are still testing the waters: I only have a salary of three to four thousand a month, can I manage my finances? How to manage money? First of all, can you manage finances if your salary is not high? Many people feel that after deducting living expenses from their monthly salary, there is not much left. How should they manage their finances? According to the classroom understanding, the contradiction is even more obvious for friends who have just started working and have a monthly salary of 3,000 or 4,000. Many people think that investment and financial management are only for the rich, and they do not dare to expect it from the poor. In fact, most people have fallen into a misunderstanding: I must have money to manage finance, not because I have money. . In fact, in reality, a person who does not know how to manage money cannot manage his own life well. Brother Dacai, I have seen many young people around me. Although they have a lot of income, many of them become lavish because they don’t know how to take care of it. If you become a moonlight earner, you can only rely on credit cards and Huabei to survive at the end of the month, and your quality of life cannot be said to be very high. But in a few years, many young people will not have enough confidence to face such things as buying a house, starting a family, and starting a career. It can be said that young people who do not manage money have no future. Therefore, no matter how much income you have, financial management is necessary. Financial management is not just investment, but also balancing income and expenditure, controlling asset risks, etc. Saving money is the highest level of self-discipline, and having money is the greatest confidence in life, so do you think Do you need to know how to manage money? So how do we learn to manage money? Brother Dacai, although I have mentioned it in many articles, I still want to talk to you today. To learn how to manage money and be a person who knows how to live, you might as well try to start from three aspects: saving money, increasing income and investing to make money. If you can use it properly, I believe your financial situation will gradually improve~ Step 1: It is not easy to save money and make money, so you must spend money in moderation. If you want to improve your financial structure, the first step is to learn to reduce expenditures. Of course, there are two steps to reducing expenditures, one is to check for leaks and fill them, and the other is to Save money and save money. The purpose of checking for leaks and filling them up is to systematically monitor your assets and consumption habits. On the one hand, it allows you to have a comprehensive understanding of your existing assets and liabilities; on the other hand, it also allows you to have a comprehensive understanding of your own " Be aware of "Consumption Black Hole". After all, only by finding the root cause can we prescribe the right medicine, so this step must not be skipped. Generally speaking, the easiest way to do a financial health check is to keep accounts. But many people are afraid of trouble: not only is it easy to miss notes, but it is also difficult to keep them. What should I do? Nowadays, many people are accustomed to using WeChat/Alipay to pay bills, and these two APPs have bill export functions. WeChat Me-Pay-Wallet-Bill-Export, WeChat can be operated directly from the mobile phone, and up to 3 can be exported. monthly data. To use Alipay, log in to the Alipay web version - Reconciliation Center - Bill Download on your computer. Of course, Alipay's billing function is also relatively easy to use. We can see some consumption rankings and know which part should control expenditures. Of course, just keeping accounts is not enough. The important thing is to learn to save money. You can set aside basic expenses according to your daily expenses, and then use the remaining money for forced savings to set a specific goal for yourself, such as buying a house. How much should you save, how much should you save to buy a car, make your own savings plan to avoid unnecessary expenses. The second step is to make money through open source: After you have taken the two steps to save money and save money, you have taken another step towards "getting rid of moonlight". But blindly saving is by no means the ultimate goal of financial management. Moreover, anyone who has tried to save money knows that this is a situation where the “ceiling” comes very quickly and greatly reduces the life experience. You have to find ways to expand your sources of income. You can use your expertise to do part-time work, such as photography, writing, certification, etc. The more chips you save for yourself, the more likely you are to earn a high income in the workplace. bigger. Senior Brother Dacai has accumulated a group of fans by running a niche public account. The expected revenue from advertising in a year is more than his salary from work. Therefore, research and side jobs are not the purpose. The added value of personal abilities is the core competitiveness that allows you to go further and further. Step 3 - Invest and make money. By increasing revenue and reducing expenditure, I believe that within 3 years, you will have almost earned your first pot of gold.

At this time, it becomes more important to learn to use investment, revitalize the capital on hand, and let wealth automatically increase in value. Many novices are inevitably confused when faced with professional terms such as funds, stocks, and fixed income. My suggestion is that you can start testing the waters with products with low risk and relatively fixed expected returns - buy convertible bonds, fixed investment funds, and buy some bond funds. Of course, the final decision on how to allocate and manage your assets is still in your hands. Finally, let me summarize. The so-called ideas for getting rich actually cannot be separated from these three things: spend less, earn more, and expect more income. Focus on these three points, practice more, make more adjustments, be cautious about debt, and focus on accumulation. Over time, you will find that becoming rich is not more difficult than you think. Classes will also help you get twice the result with half the effort. Remember, there are no shortcuts to financial management. Continuous learning and practice are often the first step.