Lead: Many post-90s generation are "moonlight clan". Being on campus or just entering the workplace, they always feel that youth is capital, saving money has nothing to do with themselves, and they should enjoy life better. As we all know, good financial habits are cultivated from this time, and developing good financial habits will benefit you for life. Here are some financial management methods I introduced, welcome to read!

Making money starts with saving money.

Warren Buffett once said, "Starting to save money and investing early is the best habit to cultivate." Even millionaires start saving from 1 yuan, and then gradually save up to 999999.

As a post-90s generation, the salary of fresh graduates will definitely not be too high, and college students only have a few hundred yuan for living expenses. How to "cut"? It is a good idea to implement the "planned economy". At the beginning of each month, make a good consumption plan for this month, try to avoid unplanned expenditures, distinguish between "want" and "must" when shopping, and have a fixed balance every month.

While "cutting costs", we should also "open source" in addition to our own work and scholarships within the scope of physical conditions, such as working as a writer for newspapers and magazines or as an "hourly worker" on the Internet, helping people pay bills or serving as customer service, and so on. But be careful not to be deceived.

Slowly, you will find the happiness brought by saving money, which will become the driving force for you to save money for a long time.

Say goodbye to borrowing money to live.

If you want to save more money, you must first bid farewell to borrowing money to live.

A survey of college students shows that nearly 40% of college students have applied for credit cards, and nearly 90% of college students have experienced overdraft consumption. So what exactly do college students do with the money? According to the survey, 27% students spend it on parties, eating, drinking and having fun, and 32% students spend it on clothes and accessories. In other words, most students spend their overdraft money on pleasure, which is not a benign way of managing money.

At the same time, online lending, as a new lending method, has been sought after by many post-90s people because of its fast processing speed and convenience without collateral. However, the interest and risk of these loans are very high, and once they are over-consumed, they will bring a heavy economic burden to themselves. If the repayment is not timely, in addition to paying interest, they may also leave a bad credit record, which will adversely affect future loans. After 90, he was not deeply involved in the world and was easily deceived. Just like the "nude door" exposed not long ago, it sounded the alarm for them.

"Small capital" also has "big income"

After finishing the accumulation of original capital, the post-90s generation will have the capital for investment and financial management. Although there is not much capital, as long as you build a portfolio that suits you, "small capital" may also have "big gains".

Because the post-90 s generation has less principal, such a risk-free but low-income financial management method as bank savings is not suitable for them. You can consider buying some wealth management products with higher annualized rate of return launched by some banks. In fact, a long-term commercial insurance is very suitable for the post-90s deposit of several hundred yuan per month, which not only has high income, but also provides protection in case of accidents. In addition, Internet finance is also suitable for the post-90s generation, but we need to pay attention to the qualification and reputation of Internet finance to avoid being deceived.

It should be noted that the post-90 s generation is not suitable for high-risk investment and financial management methods such as stocks and futures because of their lack of capital.