A stable job does not mean a "golden rice bowl" within the system, but emphasizes that you should have a formal job, and even if the salary is relatively low, you should guarantee a month's income. Only in this way can we maintain daily consumption and lay the foundation for future savings.
Under the condition of ensuring that you can finish your daily work, you can consider some other sideline businesses, such as writing, purchasing, live broadcasting ... and try to find more sources for your income.
The second step of saving money: the correct formula for saving money: income-savings = expenditure.
There are two ways to save money: income-expenditure = savings; Income-savings = expenditure.
The first formula says to spend money first and save the rest; The second formula emphasizes that the money to be saved should be divided first and the rest should be used for consumption.
It is the simplest and most effective to transfer part of your salary directly to a savings account or a wealth management account after you get it every month. Moreover, some wealth management or savings accounts can also be associated with salary cards to realize automatic wage entry. You can turn on this function.
For example, some funds can set the time and amount of fixed investment every month. You can set the time on the first day of pay and deduct the money to do what you want. Although only a small sum of money is saved at a time, it will be quite large after a period of time, and it will still be profitable.
The third step of saving money: set up five accounts and keep bookkeeping and sorting.
What is the purpose of bookkeeping? In fact, it is to let you have money to meet your daily expenses, save money and manage your finances, cope with unexpected expenses, and gradually develop a good habit of saving money.
Here Mimi will teach you a good way to build 5.
There are three accounts, namely: fixed expenditure account, savings investment account, dream fund account, debt account and pocket money account. Then you can classify your monthly money and record it in these accounts. In this way, by the end of the month, you can clearly know your savings and expenses.
In fact, bookkeeping is a very simple matter, usually once a day or a few days, and then it takes half an hour at the end of the month.
Of course, you can also use the mobile APP to record your daily expenses, enter your income, and then record your expenses one by one. By the end of the month, you can also learn about income and support, but the application
There are many classifications of expenses, which are complicated and difficult to adhere to.
The fourth step of saving money: break down big goals and set small goals in stages.
Many people have tried to save money, but few people can stick to it, so you should learn to break down big goals into small ones.