First, save money
To tell the truth, saving money is actually a matter of persistence and perseverance, just like losing weight. Because you must abandon your desire, bid farewell to the consumption concept of lavish consumption, and urge yourself to refuse temptation. Moreover, she loves traveling and food, so she should restrain herself, travel less, eat less, go shopping less and buy less clothes.
Second, do a good job in career planning.
Wage income is the main channel for wealth accumulation. Work hard and strive for appreciation and salary increase. Workers plan their own career development direction, find their own career orientation, learn to invest in themselves and improve their professional quality, so as to improve their overall ability and broaden economic channels.
Third, rationally plan household expenditure.
Reasonable planning of household expenditure, leaving enough emergency funds to meet daily expenses or accidents. Generally, you should leave enough money for three to six months' family expenses, which can be a bank deposit or a money fund. In addition, the interest-free overdraft function of bank credit cards can be reasonably used for daily expenses, and repayment can be made after consumption to improve solvency.
Fourth, rational investment.
Compared with wage earners, investment and financial management should be based on the principle of stability, and we should not blindly pursue high returns and high returns, because there are often high risks behind high returns. Due to the limitation of time, energy, knowledge and capital, wage earners are generally not suitable for direct industrial investment, but can make indirect investment by purchasing related financial products. In terms of financial investment, due to the low risk tolerance, it is suggested that it is best not to involve high-risk investments such as futures and stocks, and you can choose relatively stable financial products, such as the financial products on the p2p platform of "personal tailor", with an annualized income of 14%. The platform is deposited by a few docking banks in the online loan industry, and each creditor's right has a low-risk platform with physical objects as collateral.