There is a new mobile phone on the market, and everyone wants to get it at the first time, but this is the most uneconomical way. The mobile phone depreciates quickly, so you can choose to wait for a while. After the price of the mobile phone is reduced, it can be purchased after a period of market test. This time is not only cheap, but also cost-effective. If you really can't wait to get a new mobile phone, you can exchange it with the phone bill. Many operators are engaged in this activity. Anyway, don't buy it in cash, it's the most uneconomical.

2. Keep an account every day, and forget to make it up tomorrow today.

Many people always feel that money is gone without spending much. Friends who feel this way must start bookkeeping, otherwise it will be like this forever. No matter how much money you earn, you can't save it. Developing the habit of keeping accounts can help you analyze which money is unnecessary to spend.

3, less entertainment, more communication

You can stay with your family during holidays or breaks, or invite a group of friends to cook at home and get together, which can not only maintain your feelings, but also be economical.

4. Less membership cards.

Just use a credit card and one or two membership cards. Too much will make you unable to control your consumption.

5. Don't chase after fashion

You can buy a lot of clothes at one time when you change seasons. Many clothes are influenced by seasons. Once the season changes, it will be much cheaper. At this time, you can buy a lot of clothes you want, and they are not expensive, which can save a lot of money. The same is true for investment, and timing is the most important.

6. Skillful use of online shopping

Some daily necessities or some electrical appliances at home can be purchased online. After all, the quality is guaranteed, the price is cheaper than the physical store, and it is still delivered to the door. It is convenient and easy to go out without wasting time and travel costs.

7. Buy more personal insurance and auto insurance.

Financial management does not recommend saving too much. Three months' emergency fund is enough. Try to choose some large platforms for investment, and set up a financial platform with long time and high credit. Don't trust high-yield products, which are generally risky.

8. Make good use of provident fund

Buy a house, apply for repayment with the provident fund, and withdraw it in stages for investment. If the yield exceeds 20%, clear the position immediately. Long-term holding of funds.

9, reasonable planning of family property purchase and car purchase.

There are several important things in life that need a lot of money, such as buying a house, getting married and buying a car. These must be well planned, which are important and which are secondary, and children's education should be continuously invested.

10, the income is increasing.

Not to mention this, if our wages rise faster than CPI, it will have a great impact on the quality of life. Therefore, we should constantly improve our professional value. And appropriately adjust and add new financial management projects.