Single young people should take care of all their food, clothing, housing and transportation, including three meals a day, basic daily necessities, cycling, taking the bus, a wonderful novel, a pleasing movie, and a cheap dress ... The frequency of money going in and out of the wallet is quite high, so at the end of the day, you will find a lot of change in the wallet (below RMB in 5 yuan). At this time you can take it all out and put it in a special place.

If you are not good at saving money, you will be surprised to find that the small change you take out every day has accumulated into a considerable amount.

Teenage Ninja Turtle Law Nowadays, many single young people pay attention to fashion, pursue brands and buy brand-name items with high enthusiasm. However, in this way, they will only fall into the dilemma of living beyond their means. Therefore, in the face of brand-name impulse, you should learn to be patient and use your limited financial resources on the cutting edge. In fact, as long as you have the heart, you can buy your favorite brand with a fraction of the original price during various discount promotion periods.

Many single young people rely on their young bodies and do not see a doctor or take medicine for minor illnesses that they think will save a lot of medical expenses. In fact, this is a short-sighted behavior of "greedy for small and losing big". Once or twice, you may get away with it. Delaying a treatment will turn a minor illness into a serious illness, which will ruin your health, and the amazing medical expenses will take away a little of your savings. Therefore, single young friends must cherish their health, strengthen daily exercise and treat them as soon as possible when there are signs of illness.

Safe money-making method Single young people live alone and take care of themselves, paying special attention to safe financial management method. Daily use of electricity and gas, fire prevention and theft prevention should be done well. Bicycles, water heaters, gas stoves, electrical sockets and other common hardware. If they are aging or damaged, they should be replaced in time, and should not be made to save money.

Maybe you don't need all your skills in your present job, or you can finish your work easily and have a lot of energy. At this time, you should overcome inertia, give full play to your potential, and work hard while you are young and single. For example, if you are good at writing, you will engage in amateur writing, and if you have financial knowledge, you will take a second job, which will not only be of great benefit to your work, but also accumulate considerable capital.

Perfect investment methods After comprehensively applying the above five methods of "increasing revenue and reducing expenditure", you are a single youth with certain assets, and the focus of financial management will shift to investment. For example, if you are forced to save and invest, you can use part of your assets as a down payment to buy real estate, and the insufficient part can be borrowed from the bank, forcing you to pay interest on schedule if you save irregularly. Your remaining assets can be invested in low-risk and high-yield projects such as treasury bonds, funds or subscription of new shares, and the proceeds can be used to speed up the repayment of loans. If you have relevant knowledge and strong risk awareness, you can try to invest 70% of your assets in high-risk active investments (such as stocks) and the remaining 30% in conservative investments (such as government bonds and time deposits). Assets can also be divided into five parts, which are invested in treasury bonds, insurance, stocks, fixed savings or current savings, and venture capital, insurance investment and emergency money can all be taken into account.

How to manage money? Starting financial management is divided into three steps.

(1) Set your own financial goals; Check your assets.

Set your own financial goals: buying a car, buying a house, paying off debts, saving for retirement, saving for education, etc. It is necessary to define the financial target qualitatively and quantitatively from the specific time, amount and description of the target. Reviewing the assets, including stock assets and the expectation of future income, knowing how much money can be managed is the most basic premise; The audit of personal assets is mainly to conduct a comprehensive inventory of their own assets according to relevant categories. The assets mentioned here refer to financial assets and fixed assets, in which financial assets include bank deposits, bonds, traditional insurance, investment insurance or open-end funds, stocks or closed-end funds, and fixed assets include real estate and automobiles.

(2) Know which financial management stage you are in.

The life focus and attention in different financial management stages are different, and the financial management goals will be different. Life is divided into six stages: single period, family formation period, family growth period, children's college education period, family maturity period and retirement period.

Setting financial goals must meet the needs of all stages of life.

(3) Test your risk tolerance.

Risk preference is an important basis for all financial planning. Choose according to your actual situation, do eight risk tolerance test questions, and get the definition and description of your risk preference, so as to make clear what type of investor you belong to and know your risk tolerance. Don't make the assumption of risk preference without considering any objective situation. For example, many customers put all their money into the stock market without considering parents, children and family responsibilities. At this time, his risk preference deviated from the range he could bear.

Risk tolerance can be divided into: conservative, moderately conservative, moderate, moderately enterprising and enterprising.

After completing the above three steps, according to personal risk tolerance, rationally allocate your own financial products such as savings, stocks, bonds, funds, trusts, insurance, real estate, etc., to achieve maximum protection and appreciation. There are no best financial plans and financial products, only financial plans and financial products that suit you.

As the representative style of expert financial management, fund is a good investment channel, especially open-end fund. Because the scale is not fixed, investors can purchase and redeem at any time, which puts forward higher requirements for the management level of fund managers. Therefore, long-term fund investment may be the best way to maintain and increase the value of funds. According to different investment objects, investment funds can be divided into stock funds, bond funds, money market funds, futures funds, option funds, index funds and so on. Here, we need to choose the fund type according to the individual's risk tolerance and the national macro-control policy.

National debt and insurance also have certain investment value. Their common characteristics are relatively stable returns and low risks. Needless to say, national debt. At present, insurance has also developed from the initial simple guarantee type to the current investment-linked type, dividend-sharing type and universal type. With insurance awareness, she can invest in universal insurance, which is flexible and convenient. The insurance amount is adjusted to meet the demand; Avoiding tax debts and transferring assets; Low fees and many advantages; Guaranteed annual interest rate 1.75%, with monthly interest settlement.