How do newcomers in the post-90s workplace manage their finances more efficiently?
Have financial management ideas and plans.
For example, if you save 60,000 yuan a year and deduct it from their salary every month, part of it will be used as living expenses, part of it will be saved regularly, and part of it will be used for fixed investment by the fund or to give money to buy other wealth management products.
Avoid blind investment.
Most of the "post-90 s" just joined the work, lacking investment experience and strong self-awareness. However, there are many kinds of investments in the market, which are very tempting, but it is difficult to accurately control risks, and investment should be more rational and cautious. It is suggested to participate in venture financing projects moderately, and the limited income makes a mickle, so don't let your hard-earned money pay tuition again.
Buy big securities with small money
Besides controlling your irrational consumption, you should also prepare a family emergency reserve fund. It is also necessary to buy insurance for both parties to ensure their future lives. In order to avoid the sudden and unexpected increase of extra family expenses, both husband and wife can buy accident insurance appropriately to increase their living security. If the income is limited, you can buy "card-only" accident insurance, which is low in price and high in protection and suitable for young people with limited income.
Open family account * * * management.
Establish a * * * management account, and everyone will put in a fixed sum of income every month, which will save money, reduce family conflicts and cultivate feelings between the two sides. For a family, mutual humility is actually the most important thing.
Change the concept of "how much you earn and how much you spend"
Change the concept of "how much you earn and spend" and change the concept of "consumption in advance". Do moderate consumption according to the family income, so that once the child is born, it can save a large amount of children's education funds and alleviate the various expenses that the child needs in the future, so that the two will not be "in a hurry."
Steps of reasonable financial management in the workplace
The first one is used for food, clothing, housing and transportation.
Food, clothing, housing and transportation are the first things to be satisfied. This part of the money must be kept first The specific amount is calculated according to the individual. My classmate, Hou Yaozong, works as an office worker in Shenzhen. When she just graduated, her major was not very good, and her monthly salary was about 2K. She scrimps and saves every month, lives in 500 yuan, travels 100 yuan, and eats in 500 yuan. Of course, she cooks by herself and seldom eats out, which saves a lot.
The second is used as a reserve.
We should all have a sense of being prepared for danger in times of peace, and set aside a reserve fund more or less every month in case of emergency. If we don't have any savings, we will be very passive and helpless. This money can be used for Yu 'ebao, which can be taken at will, and has higher income than the bank. Why not?
The third is for communication.
These efforts are necessary', which is equivalent to investment. Only when you invest in peacetime can you get a return at a critical moment. What's more, friends are our important wealth, and it's totally worth paying for them. You can spend 200 yuan a month to have a buffet dinner with your classmates.
The fourth is to invest in yourself.
The best investment in the world is to invest in ourselves, so we stay in 200 yuan to invest in ourselves every month. For us office workers, especially low-income office workers, we should invest in our own study, which is the most risk-free investment. In the past, in school, grades = scholarships, but now in society, skills = income (very straightforward). Therefore, if you want to get a high salary, you must always charge yourself. Your salary of 2000 yuan just one month after graduation is understandable, but if you still have this salary one year after graduation, I can only say that you are too self-motivated.
The fifth part chooses investment and financial management.
Any investment has risks, and what we need to do is to control and reduce risks in order to obtain greater returns. Investment should start with small funds and gradually make profits. A young man like Hou Yaozong earns 2000 yuan a month. At present, their risk tolerance is not strong. Try to choose stable P2P wealth management products such as Huijin Feng, with low investment starting point, which is very suitable for college students entering the workplace.
Stick to bookkeeping, analyze and summarize every month, see where your money is spent and what you shouldn't spend, and avoid making the same mistake next time. Generally speaking, first of all, the most basic way to manage money is to insist on bookkeeping. Through bookkeeping, you can find out the reasonable and unreasonable items of your income and expenditure, and then you can control your own expenditure, open source and reduce expenditure.
The most important purpose of learning investment and financial management is to improve the quality of life, so learn to open up sources and reduce expenditure. Nowadays, young people can go out to do small business and set up a small jewelry stall in the night market, which are all ways to increase their income! If we learn to invest and manage money with a monthly salary of 2000 yuan now, are we afraid that we won't manage money when it rises to 4000 yuan and 5000 yuan in the future?
For example, a family business, or any other business.