Three steps to raise your salary

1. Plan your salary

(1) The money you have to spend every month [necessary basic expenses such as rent, water and electricity network, food and transportation ]

(2) The money you have to save every month depends on your risk tolerance+investment preference. For example, you can plan to spend 1% of your salary every month. It is suggested that novices can try to invest in friends with a low salary base from 5 to 1, yuan per month. In fact, 1 yuan or even 1 yuan can also try to invest

the money that may be spent. 4

This part of the money may be used for dinner, occasionally rewarding their own expenses, or for improving themselves.

Individuals can allocate it according to their own situation. For example, Xiao A earns 5, yuan a month. Personally, she belongs to a stable investment style. Her plan is:

Project amount

What must be spent? 25

Money that must be deposited? 1,

The investment cost is 1,

The possible cost is 5

After the actual implementation, Xiao A finds that he can save a little more money on the [money that must be spent] project by reducing the catering expenditure, and the extra money Xiao A plans to put into the [money that must be saved] account.

2. Set up a special fund account

[ (the money that must be saved) and deposit it in a bank account as soon as the salary is paid, and set a fixed deposit

[ the money that must be spent]. This part of the money is put in Yu X Bao or Chao Chao Bao (Zhao X Bank and other flexible deposit and withdrawal goods bases

[ the money that may be spent]. This part of the money may not be used in a short time, but it can be used.

[ investment money] This part of the money is of course used for investment!

3. Investing in learning practice

If you are a novice, it is recommended to make a good allocation of investment: some funds are used to invest in low-risk wealth management products; Some funds are used to invest in index funds, equity funds and other funds with higher risks and higher returns.

In addition to her inexperience in investment, I suggest that 1 yuan should try low-risk financial management as the main investment (8 yuan).

The most important thing is that no matter what your monthly salary is, your money can be flexibly allocated according to the above steps.

however, the core idea is to do a good job in financial planning. Only in this way can we slowly fatten our small coffers ~