First, stick to saving with 100% determination and perseverance, and fill the first bucket of gold.
One of the most prominent habits of self-made millionaires is thrift. Generally speaking, the rich have four common characteristics:
1. Open source and reduce expenditure, live within our means; 2. Devote to the accumulation of wealth and arrange time, energy and money as reasonably as possible; 3. I am convinced that economic self-reliance is far more important than glamorous appearance; 4. Choose a career that suits you.
So, how can the moonlight family save money?
◎ Save a fixed proportion of your income every month, and save 50% of your income every time you increase your salary.
◎ Open a special financial support account and deposit the money as soon as possible; Don't use this money for any other purpose except investment and appreciation.
◎ All consumption should be frugal. If you can buy a second-hand one, don't buy a new one. Put off all the big expenses until you have enough time to think.
Second, stick to long-term investment and don't blindly follow suit.
The correct investment method should be to use idle money to invest in stable subjects for a long time, and use Einstein's "rolling interest" effect, which is worse than the atomic bomb, to gradually accumulate wealth. As long as your investment period is long enough, after the probability of unpredictable risks is evenly dispersed, the possibility of excess returns is greater.
If we can stick to these two principles:
1. A small profit is not as good as a big loss, because investment is not an adventure, so you must leave a way out.
Don't compare with others, the key is whether you can overcome your greed, adhere to the principle of investment, and make investment a living habit, just as natural as eating and sleeping.
Third, set the goal of digital financial management, otherwise everything will be empty talk.
Generally speaking, people's financial management goals include: buying and releasing property, legally avoiding taxes, getting married and starting a family, educating their children, and retiring. Draw up an accurate financial management goal, establish your own investment map, and know where you are and where you are going, so as not to get lost in the weakness of human nature.
For example, if you want to have 654.38+00,000 by the time you are 50 years old, or if you want to travel abroad for 654.38+00,000 on a memorial day two years later, you should set exact goals. Plan from five aspects: 1. Self-risk and personality analysis; 2. Prepare personal or family balance sheets; 3. Prepare personal or family cash flow statement; 4. Set short, medium and long-term goals for individuals or families; 5. Set the planned completion time. Finally, don't forget to check once every six months to correct unrealistic goals.
Fourth, buying a car and a house is not the primary consumption of newcomers in the workplace.
For the sake of safety, many people wholeheartedly follow the instructions of their predecessors, go to college, find a good job, buy a house and accumulate assets, but they don't know that they are actually accumulating debts for themselves, so they are rushing for debts all their lives. The author believes that cars and houses can be used as a vision to motivate themselves to save, but they are not suitable for newcomers in the workplace. With funds, we must first achieve our goals. If newcomers in the workplace invest all their accumulated money in buying a house, what can they learn to manage their finances with?
When buying a car or a house, you can buy a small one without buying a big one, and you can buy a cheap one without buying an expensive one. For those newcomers in the workplace who have received down payment from other places, buying a car and buying a house is a debt, which should be considered clearly.
The whole secret of financial management is to cherish money, save money, be Qian Shengqian and persevere. Only in this way can we open the door to wealth.