Tip 1: sort out the financial situation in the first half of the year

Ask yourself a few questions:

How much money have you made so far this year?

What are the wage income, sideline income and after-school income respectively?

How much has it cost a year so far?

How much money did you save after deducting expenses from your income?

If you have the habit of keeping accounts, it is clear to open the account book at a glance. If not, open Alipay, WeChat payment, mobile banking and other payment software, and after figuring out these problems, the first step of financial consolidation is completed!

Tip 2: See where the money is spent.

Expenditure is generally divided into two categories: fixed expenditure and floating expenditure:

Fixed expenditure: monthly fixed expenditure, such as rent, utilities, telephone charges, meals, etc.

Floating expenses: irregular expenses, entertainment dinner, singing K, traveling, etc.

See which fixed expenses can be optimized. Renting partners can see if they can change to a more cost-effective house and try to cook for themselves. Let's see which floating fees can be avoided and adjust them slightly. It's not that difficult to deposit 1 0,000 yuan more a month.

Tip 3: Clarify the deposit status and liabilities.

If there are liabilities, all the liabilities can be listed on a piece of paper and restructured according to the repayment cycle: 1 year, 1-3 years, more than 3 years.

1 year, it is ok to save money at the same time;

1-3 years, you can use this money to buy some low-risk investment products in the process of saving money;

The same is true for debts of more than 3 years, but you can try higher returns.

If there is a certain deposit, it can be divided into three parts:

The money of life-that is, the life reserve fund-helps to deal with emergencies;

Investing money-let Qian Shengqian outperform inflation, and choose stocks, funds and convertible bonds according to risk tolerance.

Money for safety-it helps us to transfer risks. Both life insurance and property insurance have this function.

You can attack when you enter, defend when you retreat, and it is proper.

Tip 4: Set reasonable financial goals.

If there is no goal, it is often easy to give up halfway.

If you want to buy a car, with a monthly salary of 5,000 yuan and zero savings, you can make a three-year car purchase plan.

With this goal, you will consciously start saving money, which is also a manifestation of self-discipline ~

Tip 5: Prepare an implementation plan.

Financial management is a long-term process. Put away these five tips and act immediately to surpass your peers in wealth!