As an office worker, I don't have much spare time, and I am physically and mentally exhausted every time I get off work. People with ideas usually spend some money to invest, one is interest, and the other is to earn extra money through small gambling. What to invest in, such as stocks, funds and even insurance, there are different opinions. In short, there is everything. In recent years, stocks and funds have fallen like shit, and their lifetime value has disappeared. Insurance, as the agent said, is a pit. I bought it and got stuck. If you don't want to make money with that investment, you might as well make some harmless investments.
How to manage money before investing is the key. First of all, you must become a financial expert, and how to allocate your monthly salary is reasonable. In fact, it is not difficult to start financial management. If you are about to start or are already thinking about what is a healthy concept of financial management, you have made a good start. There are many good practices that can help us start our own financial planning. The following six habits, if you can follow their laws, can completely help a person who has just started to manage money and learn how to control his financial situation well. These rules will convince you that it is absolutely a good idea to make a financial plan from now on, and the earlier you start, the easier it is to achieve your goal, even if it is a small investment. Let's talk about these six habits in detail.
Habit 1: record financial status.
If you can measure, you can understand, and if you can understand, you can change. Without continuous, organized and accurate records, financial planning is impossible. Therefore, at the beginning of financial planning, it is necessary to record your income and expenses in detail. A good record enables you to:
1, measuring the economic situation-this is the basis for making a reasonable financial plan.
2. Effectively change the current financial management behavior.
3. Measure the progress of achieving the goal. It is particularly important to note that in order to keep good financial records, you must also establish files, so that you can know your income, net assets, expenses, liabilities and so on.
Habit 2: Clear values and economic goals.
Knowing one's own values can establish economic goals and make them clear, definite, true and feasible. Without a clear goal and direction, it is impossible to make a correct budget; If you don't have enough reasons to restrain yourself, you won't be able to achieve your desired goal in 2, 20 or even 40 years.
Habit 3: Determine the net assets.
Once the economic records are made, it is easy to calculate the net assets-this is also the way most financial experts calculate wealth. Why should we calculate net assets? Because only by knowing the annual net assets can we know how much we have made progress towards the goal. Habit 4: Know your income and expenses.
Few people know how their money is spent; I don't even know how much income I have. Without this basic information, it is difficult to make a budget and arrange the use of money reasonably; Can't figure out where to spend the money; You can't make reasonable changes in spending. Habit 5: Make a budget and refer to its implementation.
Wealth does not mean how much you earn, but how much you still have. It sounds that the budget is not only boring and tedious, but also seems too artificial, but through the budget, you can find out where a lot of money goes in your daily expenses. In addition, a specific budget is very beneficial for us to achieve our financial goals.