But some people can save 50 thousand with a monthly salary of 3 thousand, so they can only say that you are too young and naive. Today, Xiaojie will give everyone the money saved by the post-90 s soft girl K sauce, hoping that the babies will also be "full of harvest" at the end of 20 18!
1 Everything starts with bookkeeping.
The university began to have the habit of keeping accounts. At that time, I used a small notebook to roughly record the cost of a day every night. I remember several semesters intermittently, although I often forget them and the records are incomplete, but I still have a general understanding of my monthly consumption. Later, I began to record with the accounting software on my mobile phone, which is not easy to forget and convenient.
The purpose of bookkeeping is actually to look at your monthly consumption and see where you waste your money. Through the comparison and adjustment of monthly consumption, shape your own good consumption concept.
2 Control consumption
For many people who have just entered the workplace, the actual income they may get is less than 3000 yuan. For this little money, you may spend it all if you are not careful. Then under such circumstances, it is very important to control consumption.
Maybe some friends will say: With this little money, my life is in trouble, and I still have to control my consumption? First of all, you have to understand what your expenses are; The second step is to reduce unnecessary expenses. For example: less socializing, buying food and cooking by yourself, taking fewer cars and using public transportation as much as possible.
3 compulsory savings
Saving money is the first step in our narrow sense of financial management. Only by saving money can you invest the principal. How do you save? In fact, the method is also very simple, that is, reverse the order. When paying wages, we save some money first, and then use the rest to spend money.
The book "The Wealth Management Course of the Babylonian Rich Man" suggests that your savings income 10% is enough. In fact, it is not difficult to do this. For a friend who earns 3,000 yuan a month, saving 300 yuan a month is enough, which has little impact on life. But don't underestimate this 300 yuan. There are thousands of dollars a year. With the increase of your income and the formation of your savings habit, you will save more and more money. In fact, for us young people, the most important thing is to form the habit of saving, which will benefit us for life.
Find as many sources of income as possible.
Open source is an eternal topic, especially in such a "personal society" and "information society". In fact, it is not the white-collar workers in the office building who make more money, but those WeChat big V, network celebrity anchors, freelancers and trainers ... So, if you have a skill and can make good use of it, open source is the most reliable way. It is particularly important to get a single-minded promotion and salary increase or to find interest points that can be realized outside of work. Because the internet technology goes forward, more and more "life economy" products like live broadcast and knowledge sharing will appear. Even if the real estate accounts for 60.70, they can't beat us in this piece.
5 Financial management from 0 to 1
Even aunts in their sixties and seventies are doing financial management. Do you still have the face to save "no play"? In order to save money, Qian Shengqian is a technical job. If money stays there forever, it will never catch up with the growth of others' money. The yield of bank wealth management products is too low, the stock risk is too high and the foreign exchange futures are too deep. Therefore, it is a better choice to put money in internet wealth management products or money funds, which is quick to get started, low in threshold, does not take up too much energy and has certain liquidity. If you don't want to become a "poorer and poorer" post-90s generation, you can pay attention to this financial knowledge from now on and learn more tips on income distribution and investment ~
Still an old saying goes, "If you don't manage your money, money will ignore you!" Who said that a monthly salary of 3,000 only matches moonlight? As long as the income is reasonably increased and the expenditure is reduced, it is no longer a dream to save 5W every year.