Most people in our lives are running for their lives, and the pressure they face is also very great. I have to pay rent, water, electricity, transportation, telephone and so on every month, and there is not much money left. If you put money into your bank card every month and leave it alone, it will depreciate. There may be many people who feel tired after working every day and don't want to manage their finances any more. They feel that they have little money and it is useless to manage money. So how do ordinary migrant workers manage their finances? Below we have made a financial strategy for migrant workers, hoping to help you.

First of all, we should save money by increasing income sources and reducing expenses. Secondly, we should do more part-time jobs and sideline jobs to make money. Financial management needs principal. Generally, the more principal, the greater the possibility of making money. The less principal, the less money we earn. When we have a certain amount of funds, we can start our financial journey.

The simplest way to manage money is to make good use of four things: Hua Bai, Yu 'ebao, WeChat Bitcom and Baodi Youth. You hardly need to spend energy. First of all, you should know that the flower buds are interest-free for one month, so we can make good use of them, use them every month and return them next month. In this month's time, you can put the money you need in your daily life into Yu 'ebao or WeChat Coin Pass to get income. Although the income is not high, it is basically around 2%, which is much higher than the current bank demand of 0.3%. Both Yu 'ebao and WeChat change pass can be deposited at any time.

Second, buy hybrid funds and equity funds. I suggest you make a fixed investment with spare money, and the amount of fixed investment should not be too large. These products have high returns but high risks. The fixed investment and long-term holding of the fund can spread its risks. The general recommendation accounts for 65,438+00% of the salary, so it is up to you to decide which fund to buy, mainly depending on the knowledge of the fund manager and the past performance of the fund.

Finally, you can save the unused spare money for a fixed period, choose a longer period and save it for three to five years, so that the income will be high and you can avoid taking it out when you need it later.