As the financial management concept of "if you don't manage your finances, the money will not care about you" is deeply rooted in the hearts of the people, the voice of ordinary working-class people for financial management is getting louder and louder.

For young, unmarried, single salary earners, accumulating the first wealth in life is the most important. However, salary earners in this class often do not know how to manage finances and ignore the importance of financial management.

Nowadays, the most important thing for young "money earners" when managing their finances is to learn to control consumption and compulsorily manage their finances.

In fact, as a young person, excluding necessary living expenses from your monthly income, spending a few hundred yuan more or less will not have a big impact on your life. The key is how to make money in a timely manner before you finish your casual consumption.

Precipitate these funds that can be spent or not.

Here are some suggestions: 1. Sum up small amounts.

When you pay your salary every month, you should open a savings account in the bank using the method of depositing in lump sums. You can deposit a certain amount of money every month according to your actual situation, and automatically transfer it directly from your salary card.

In this way, after one year, there will be a lot of funds.

You can use this accumulated funds to participate in investment in some fund stocks.

It can be appropriately increased as work experience and income increase.

2. Commercial insurance.

It is recommended to spend 300-500 yuan per month to buy yourself a commercial insurance with monthly payments. The contents include: whole life insurance with additional accident insurance and critical illness insurance. This will not only force you to establish good protection, but also enable you to take care of yourself when risks occur.

My parents have some pensions, like a child's filial piety pension.

3. Change the method of "income - expenditure = savings" so that you will never save.

It should be "Income-Savings-Insurance=Expenditure".

And you can enjoy the pleasure of spending all the money in your bag every month without feeling guilty.

Of course, if you have a balance, you must deposit it in the bank that month to better prepare for future investment.

Family financial management generally includes eight aspects: cash planning, consumer spending, education reserves, tax planning, investment, pension, asset preservation and insurance.

For working-class families, the "three-three system" financial management method is the most practical.

Specifically, the "Three-Three System" means dividing household income equally into three parts in family financial management - one part for expenditure, one part for investment, and one part for savings.

Of course, depending on factors such as family income and risk tolerance, you can focus on certain aspects of expenditure, investment and savings during the "three-three system".