Cleaning up existing debts is an urgent task to get rid of the moonlight clan. But the so-called debt settlement does not mean that there can be no debt. If you are not a moonlight family, then a reasonable leverage ratio will make your investment and financial management more effective. But if you are a moonlight clan and want to live a moonlight clan, then the first thing to do is to pay off your debts so that you can save money. Whether it is a credit card or other debt, pay it back as soon as possible. After all, interest and handling fees are not a small expense.

Step 2 force savings

Compulsory saving is necessary. Saving money as soon as you get your monthly income is a good way to control yourself. A better way is to deposit the money directly, so it will be very troublesome to withdraw money, and force the money to be deposited. Of course, in addition to time deposits, you can also choose fixed fund investment or salary management, as long as you set the salary to be automatically crossed out. At the same time, you can get some income.

Step 3 change consumption habits

Get rid of extravagant consumption habits, reduce impulsive consumption and rational consumption. Only in this way can we be talented. Of course, there is also a little trick, that is, using cash and debit cards to spend.

4. Bookkeeping

Record every expense every day, and then you can clearly analyze where your money is spent, and always remind yourself which money should be spent and which money should not be spent.

5. Financial investment

Investment and financial management is not only a course for people who leave Yueguan, but also a way to open the road to financial freedom. For the moonlight clan, if the income is enough, besides the deposit, an extra sum can be set aside for investment every month.