First of all, I will clearly understand my monthly expenses through my previous accounting records, so that the remaining money can be saved or used for investment;

Suppose the monthly salary is 13000 yuan, and the monthly expenditure is 6000 yuan (Beijing rent is very expensive). If there is no rent, it will save a lot of money!

Then I save 7000 yuan a month and 84000 yuan a year, and I will use 50000 of it for investment and wealth management, that is, projects with slightly higher risks, such as online loans, funds and bonds. Of course, these financial knowledge should be constantly improved and summarized from past experience;

The remaining 34,000 yuan is used as a reserve fund, and life cannot be static. In case of emergency, you can take it out immediately and put it in a treasure. The deposit and withdrawal period is flexible, so you won't leave the money idle.

Of course, there is logic behind this distribution. First, you will know your consumption habits for three months, and you can adjust them slightly according to the situation. But remember, money is not saved. You really don't feel the need to save any more, sacrificing your own taste and lowering the quality of life now.

Secondly, we should understand the financial products currently on the market. It is necessary to clarify the risk assessment, duration, interest rate trend and project background. And financial management can't be blind;

Third, plan your own financial situation. This kind of financial management is not static. For example, if you are older, you may want to buy a house, you may want to buy insurance to protect your family's life, and your marital status may change. So you should do a good job of asset allocation at this stage in advance at each stage.

In fact, this is a very big project. No matter whether you are single or married, you should make a plan for the whole financial situation and manage it in blocks to avoid being in a hurry when you encounter major events. Financial management has changed from managing money to managing one's own life and has become an indispensable part of life. Therefore, it is very necessary to learn more about financial management at ordinary times. The older you get, the deeper your experience will be.