Keep a purposeful account and have a physical examination of your belongings once a month. Calculate your active income and passive income, fixed expenditure and flexible expenditure respectively, and your financial situation will be more clear at a glance.

2, don't spend money, see through consumption, don't be a pickpocket.

The effect of gathering sand into a tower, do not pay attention to the consumption of fine sand in life, and use Alipay bills to check the consumption regularly. Pay attention to identify three consumption traps, anchoring effect, proportional deviation and cost-effective deviation. If you want to accumulate the first bucket of gold, you must use bank cards in different categories. The three cards are salary card, fixed expenditure card and flexible expenditure card.

3. Be a smart consumer and use credit cards. The more you spend, the richer you will be.

The first is to choose a card according to your own needs. Commercial banks are more cost-effective than state-owned banks. Secondly, use the card to make rational use of the interest-free period and points. Finally, it should be noted that there is no installment, no cash, and UnionPay will be used for consumption abroad.

Reducing the number of credit cards is the same as using this one. Reducing consumption in advance is a small step to increase income.

The habit of compulsory saving rarely succeeds. Many moonlight people are "poor" because they have no savings funds. Therefore, their savings must be increased every month, and after many years, they will find a lot of money at their disposal.

6. Establish your own dream piggy bank, do what you like, pay for your dreams, make plans for it after you want to do something, use plans to limit your current consumption, complete your future dreams, and feel more fulfilled.

7. Establish investment thinking: find the investment plan that suits you best. Use the investment map: set financial goals; Clarify investment cash; Assess risk tolerance; Choosing the right investment and financial management method is the best for you.

8. Funds are the most suitable investment choice for office workers.

Be sure to comprehensively consider your loss tolerance and your own fund.

Scope of loss. A suitable fund can last for a long time.

Income is stable. The most cost-effective fund investment method you want.

Choose a good platform, a good fund manager and a good fund manager.

Division, the short-term, medium-term and long-term performance of the fund.