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How to manage money with a monthly salary of 3000

How to manage money with a monthly salary of 3000

4hw.com.cn: in recent years, with the improvement of people's living standards, people's financial management concept has become stronger and stronger. For office workers in small and medium-sized cities, many salary levels are around 3000, so how to manage money with a monthly salary of 3000? Let's have a look.

How to manage money with monthly income of 3000 yuan?

As a newcomer who has just worked for about 3000 yuan, the money is limited, the salary is thin, and the energy is vigorous. Brand clothes, cosmetics (especially for women), all kinds of hobbies that need to spend money, as well as friends' dating, fashion books, CDs, etc. are eye-catching and vivid. How to enjoy life and make ends meet? New employees can divide their expenses into three parts:

Living expenses account for 1 / 3 of income

First, take out the living expenses that must be paid every month. Such as rent, water and electricity, communication fees, firewood, rice, oil and salt, etc., which account for about one third of the income. They are an integral part of your life and meet your most basic material needs. Without them, you can't live like a fish without water, so in any case, please take this part out of your income first and don't use it.

Saving accounts for 1 / 3 of income

Secondly, it is the part that I use to save, which also accounts for about one third of my income. Every time I save money, I have a sense of achievement, as if I have more security. But by the end of the month, it had often turned into a bubble economy: most of the deposits had been taken out, and they were silent, as if the rain had disappeared, and they were scattered around the clothes, magazines or friends gathering that they liked.

At this time, you have to say to yourself loudly: 'I want to invest in my own tomorrow, and I want to protect my property. 'at least, your storage can guarantee your basic life for 3 months. You know, many companies are cutting salaries and layoffs now. If you don't have any savings, you will be very passive once the job changes. What's more, these three months' income can be your peace of mind. You are really unhappy at work. You don't need to bear it any longer. You can quit in anger. Think about how delightful it is. So, in any case, please leave a way for yourself.

Activity capital accounts for 1 / 3 of income

The rest of the money, about a third of the income. According to their life goals at that time, they can focus on different places. For example, you can arrange your own travel on May 1st and 11th; you can buy brands you have been interested in for a long time when you discount your clothes; and you can also buy CDs and party expenses that are necessary in normal times. I know how to spend it in this way, and I will not run out of money all at once. The most important thing is that even if you run out of this part of your salary, it can be regarded as a lesson. You can punish yourself for not doing anything in a month (i.e. all the income is spent). The impression will be very impressive and effective.

The most important thing is open source

Of course, we should know that saving money is only a part of our life and work, just like the basic level of the building. Once you get rid of being a rookie, for all colleagues in the workplace, the most important thing is how to get rich and open-source. In order to achieve a new goal, you must constantly improve to develop and cultivate your own strength to progress, which is the real way to make money.