1. Cultivate financial awareness as early as possible and be proficient in planning investment and financial management.
It is very important to cultivate the awareness of financial management as soon as possible, learn to keep accounts, and make a revenue and expenditure plan according to one's own circumstances. Experts suggest that the financial management of wage earners should start with demand deposits. "Saving is an attitude towards life. Even the moonlight family must save, even if the money is small, they must save for one month 100. Saving should be the principle of life. "
One-time savings bid farewell to "moonlight" There are two kinds of moonlight clan, one is that the income is not enough to spend; One is that China does not have the traditional concept of "saving some money just in case". People who don't want to be a "moonlight family" can form the good habit of "saving money" through the compulsory deposit method of lump sum deposit and withdrawal. "Lump sum deposit and withdrawal" refers to the monthly fixed deposit, which is generally deposited in 5 yuan, and the deposit period depends on different banks.
It is understood that regular fixed subscription funds are also very suitable for wage earners to achieve the goal of compulsory savings. At present, there are hundreds of open-end funds listed on the market, and the main distribution channel is banks. Wage earners who often patronize banks may wish to choose a fund that they sell on a commission basis and sign an agreement with the bank to stipulate the monthly deduction amount. In the future, the bank will deduct the agreed amount from your fund account every month and transfer it to the fund account to complete the fund subscription. This approach is conducive to risk diversification and long-term stable value-added. This investment method does not need to master too much professional knowledge, nor does it need to bother to choose the time of purchase. As long as you have patience and insist on holding for a long time, under normal circumstances, the income of the fixed investment of the fund will be higher than the interest of lump sum deposit and withdrawal. Because of this, it is even an excellent choice for wage earners to reserve education funds or plan pensions for their children.
If wage earners have deposits of more than 6,543,800 yuan, they can try to buy short-term wealth management products. Recently, many domestic banks have launched various short-term wealth management products for the short-term idle funds of citizens, ranging from 1 day to 3-day, 7-day, 14-day, 30-day, 90-day and 180-day short-term wealth management products. It is worth noting that the subscription period of wealth management products is generally around 20 days, so wage earners don't have to rush to buy for a while, so they can spend more time considering whether the products are suitable for them.
In the financial market, the most important reason for financial management is that capital always pays off. Even if you were once a person who failed math, or you were very insensitive to numbers, or even dizzy at the sight of financial statements, there is still a way if you start personal financial planning today. If we can keep the habit of saving regularly and insist on investment and financial management, we can "take Qian Shengqian".
2. Give full play to one's specialty and broaden one's financial path through part-time.
For office workers who have a long free time and can be at their disposal, it is a multi-purpose choice to give full play to their specialties and take part-time jobs. Not only effectively used a lot of time, but also used their own strengths. Maybe you can dig out more value. The most important thing is to have extra income. Why not?
Of course, if you want to open source through part-time, you should pay attention to several key points. First, you should have available spare time, and part-time jobs will not affect your work; Second, try to do a part-time job that is consistent with your major, so that you can take advantage of your existing professional advantages and get twice the result with half the effort without extra effort; Third, make full use of personal connections to maximize the benefits of part-time jobs. Being able to do this, it is not difficult to succeed in doing part-time work.
3. Who says saving money is useless? Wage earners can also save millionaires.
Learning manual bookkeeping can reduce a lot of impulsive and regretful consumption. It is more important to learn which money should be spent and which money should not be spent. Get into the habit of taking books with you when you go out. You can record it anytime and anywhere, and you can also remind yourself of your expenses at any time. Ask more reasons when shopping: should I buy this? It seems that I already have a similar one; Don't worry about it, wait. Young people who lack consumption awareness may wish to have an intuitive understanding of their financial situation through bookkeeping. Manual recording is the most primitive method. If you think it's too complicated, try accounting software and accounting websites. These tools have built-in statistical formulas. When you enter items and amounts, they automatically calculate the total amount. Some will also analyze the proportion of various expenses, generate pie charts and bar charts, and compare them with previous accounts to become your private small financial secretary. It should be emphasized that the purpose of bookkeeping is not simply to save money, nor to bring a layer of "guilt" to consumption, but to help us have a clear record of income and expenditure, review and summarize various expenses, and cultivate our attitude of being responsible for wealth.
In our monthly expenses, catering expenses always account for a large proportion. Many young people choose to eat out every day because they can't cook or are too lazy to cook, which is likely to affect their longer-term wealth goals. In the initial stage of wealth accumulation, it is very important to learn to save money, and it may be wise to give up immediate enjoyment for lofty ideals. Moreover, from the perspective of healthy diet, homemade meals may be more nutritious and hygienic. Of course, it is not necessary to go out to eat occasionally. From the perspective of financial management, you might as well download coupons from the Internet first, or use a credit card that can be discounted, which not only satisfies your appetite, but also is economical.
Is it possible to save money without degrading the quality of life? Young people have a strong desire to consume, but they are often bound by a certain goal in the future, such as buying a house or a car. But as long as we pay close attention to all kinds of promotions and preferential activities around us, we will find that as long as we are careful, the money can be easily left. After many a mickle makes a mickle, the time to achieve financial goals will be greatly shortened. In order to accumulate points faster or reach the consumption amount stipulated in the renewal card, you can try to share the membership card. In addition, family members can combine consumption points by applying for the main card and the supplementary card, so as to redeem gifts or air miles more quickly. Of course, remember to renew your membership card before it expires, and try to spend all the points before it expires.
Make effective use of small money and don't let them sleep in the bank again; At the same time, save the cost of living and form a good habit of saving money, so that your dream of buying a house is not far away.
(The above answers were published on 20 15-08-3 1. Please refer to the actual situation for the current purchase policy. )
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