1. financial self-knowledge stage (list monthly expenses):
Know how much you spend every month, and spend a few minutes writing down your expenses every day. You can download an accounting software, calculate how much you spend every month, take out enough living expenses and save the rest. It is important to know your financial expenditure clearly. In this way, the following steps can be better carried out.
2. Financial survival stage (saving emergency money):
No matter what stage you are in, you should save emergency money for half a year. This emergency fund can make you feel safe. How much money should you deposit? If you spend 3,000 yuan a month, you must save 1.8 million yuan, so you don't have to worry about your life when you are unemployed and have no financial resources. You can relax yourself, find a job slowly and take your time.
Girls, your money hasn't been saved yet. Try to save it quickly. After all, there are always many uncertainties in life. When you are tired of your present job, you can resign at will! Remember, when you are saving this money or have saved enough money, don't touch it unless you have to.
3. Financial guarantee stage (deposit your own financial guarantee fund):
If the second step is realized, there will be a deposit for half a year's living security in the bank card. I'm much relieved at this time, but don't stop saving money. Our next goal is to save enough financial security for ourselves for one year (plus the second step, that is, 18 months deposit).
The financial security fund is not for your investment, but it can give you a greater sense of security. In the case of any investment failure, or in the case of unemployment and not wanting to go to work, you can survive safely and stably for at least 18 months without drinking northwest wind and eating instant noodles. This 18 month allows you to re-plan and choose what you want to do and what suits you.
Therefore, as long as you can complete the second and third steps, it is enough to save money, and you will have enough living security, which will not only give you a good guarantee for your future, but also bring you enough sense of security. You don't have to live so wronged. If you have money, you will have confidence.
4. Financial self-sufficiency stage (non-wage income ≥ total expenditure)
After completing the second and third steps above, the next step is to let our non-wage income cover our total expenditure for one month. You can choose whether to save money, so that the monthly interest can cover your monthly living expenses, but it is slower. You can choose some investment and wealth management products or do some small business. It is recommended not to invest in high-risk products, such as stock market and futures. Choose a safer and safer one.
It's good enough to do step four. Next is the financial comfort stage, the financial unlocking stage and finally the financial freedom stage. Non-wage income accounts for an increasing proportion of total expenditure, and the latter is far away. It is more reliable for everyone to realize the first four steps first.