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How do working-class people manage their finances?
First, compulsory savings. Going abroad is not difficult for yourself, or you have no money to spend all your life. That's the truth. If you put the money in the bank, you won't be able to take it out for a while, and the money will be saved. Otherwise, if you put it at hand, it will be spent by yourself for various reasons.

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Second, adopt the twelve certificates of deposit method. That is, there are 12 months in a year. When we get paid every month, we only need to take out a part for our daily needs. The rest, directly for one year. When you get paid this month the following year, you will find that you have extra income. If you do the same thing, you will see a lot of money every month. This is your own future fund.

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Third, lump-sum deposit and withdrawal. When we usually have money, when we see something delicious, delicious and fun, we will stop for a while, and then we will soon put it naked in our pockets. At this time, it is necessary to overcome the impulse and temptation of these desires and deposit money in the bank. As long as we dare to do so, we can collect junk money, bonuses and large sums of money at one time. A year later, you will find that small change is also a lot of money. At this time, we will have a fixed term of five years in Murakami, and then there will be a lot of start-up funds in Qian Shengqian.

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Fourth, buy a bank's fund to vote. Now every bank has a fixed investment business. Although it seems that the income is not very high, it is a process of rising slowly. Many times, after we bought it, it didn't change for a short time, but after three to five years, you will find that the income has doubled. This is the advantage of buying a fund.

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Fifth, buy a little stock occasionally. Now the stock market is very bad. Many people are fat pigs in mice and BMW in bicycles. However, we can buy some stocks such as Maotai and Wuliangye and deposit them in the bank. A year later, I found out: Oh, my God! The income is so good Because investment is not speculation.

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