As someone who has been there, let me share my experience.

1. List expenses.

In the first three months of work, calculate the total expenses based on your daily necessary expenses each month, including some one-time payments for the year. On this basis, add pocket money to yourself as appropriate.

For example, girls may need to change a batch of skin care products every three months, or update some beauty products every six months.

All these expenses must be listed.

2. Discount income.

Take stock of your own income. For example, if you are a fresh graduate and your monthly income is 3,000 to 5,000, then subtract the average monthly expenditure just calculated from your income to see if you still have a balance. If you are not particularly wealthy,

If the company pays for your expenses or the company pays for food and accommodation, there will be a large part of the balance. This part of the balance is deposited in the bank, or transferred to Alipay's Yu'e Bao (although the interest is not high), or other random withdrawals without the risk.

The big platform is unstoppable.

3. Keep accounts diligently.

You must develop the habit of keeping accounts. I use Bookkeeping, which is the free version. I have been keeping accounts for more than 1,600 days. Let me show off.

You should have a goal of saving money every month. Try to put as little money as possible in Alipay or WeChat, because it feels really good to use money, and it feels great to use credit cards, but you will know the feeling of paying back money by trying it yourself.

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The money you save is untouchable, so that you can save money. When you save a certain amount, don't think about treating yourself, sending yourself on a trip, buying a digital camera, or buying a bag that you have been dreaming about for a long time.

This extravagant thought must be suppressed in time.

4. When your money has reached a certain base, such as tens of thousands or tens of thousands, don’t think that you can make big investments, such as stock trading. Stock trading is not something everyone can do. I suggest you.

Read some financial management books, suitable for beginners, such as "Rich Dad, Poor Dad" and "Puppy Money". When you have a certain concept of financial management, then make some simple investment portfolios.

In addition, when spending money in a month, you must follow the principle of "be tight at first and loose at the end". That is to say, after your salary is paid, don't lose your mind and go crazy about spending money because you have been suppressed for too long. You must know how to first

Bitter and then sweet.

If you can remember what I just said about keeping accounts, planning, and restraint, give yourself a year and see the changes in you.