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How to manage money

How to manage money

4hw.com.cn: after experiencing the embarrassment of "Moonlight", if the young white-collar can manage their own funds in time, they can maintain and increase their value, play a greater role, and further improve the quality of consumption.

1. Save money in consumption

For the white-collar people who like to fight hard, the money saved in the consumption process is equivalent to the money earned. In fact, as long as we think about it carefully, there are many ways to save money in consumption. For example, if you are good at using Internet resources, browsing some free English textbooks and materials, downloading some free software, downloading free movies or songs, reading free newspapers and magazines, etc., you can also save hundreds of yuan of entertainment expenses. Make good use of credit card, don't spend too much. A certain interest free period can be used to make money more flexible in turnover. In addition, some credit cards have the function of points, and a certain number of points can be exchanged for gifts.

2. Saving before consumption

As a new white-collar worker, Wu Wei realized that he had spent too much and tried the method of bookkeeping. The reason why it failed to play a better role is that for some people, bookkeeping is nothing more than a record and reminder of consumption most of the time, because when people make a budget, they will consider both 'needs' and' desires', and often 'wants' will become' needs' For example, when you are in a bad mood, drinking a cup of coffee becomes a 'need', and slowly the actual expenses far exceed the budget. We should first determine the level of savings according to a certain financial management goal, and then consider to deal with the surplus expenditure, that is, income savings = expenditure.

3. Compulsory savings of three-way financing

The total income of each month is 4500 yuan, which can be managed by the method of three parts to form a good habit of saving. The monthly living expenses, savings and working capital account for 1 / 3 of the income respectively. By reducing expenditure, 1500 yuan of them is used to pay the monthly necessary basic expenses such as rent, water and electricity, communication, etc.

First, take out the living expenses that must be paid every month. For example, rent, water and electricity, communication, firewood, rice, oil and salt account for about one-third of the income, which is the first thing to be satisfied when planning. Second, set aside one third for savings and various investments, which is to prepare for a happy life tomorrow. The remaining one-third can be flexibly arranged as working capital, used for additional savings or investment, or spent on their favorite projects as a small reward.

For the part of savings, we can consider using the 'mandatory method' to save money and make regular fixed investment of the fund, or consider step type portfolio savings. For example, in the first three months, 1500 yuan of monthly salary is taken as the fixed deposit of three months. From the fourth month, there are mature deposits every month. From the fourth month to the sixth month, a certain amount of money is deposited every month for six months of fixed deposit. In this way, the "ladder" operation can ensure that an account is due every month, and the number of free withdrawals keeps growing. If it is not used, it can continue to automatically roll over and enjoy Income from fixed deposit.