How can I get myself out of the Moonlight Clan s predicament?

Some people shout the slogan of saving money every day, and it is still a "white moonlight" at the end of the month. Is it because you have poor self-control, or do you really not have a good way to manage your money? How to get the "moonlight clan" to get rid of moonshine?

The financial planners of the financial education network teach the "moonlight people" four ways to manage money, so that you can learn to manage money in the "moonlight family". Step 1: Budget your expenses.

The foundation of financial management lies in having money to manage, so we must first gather wealth. It's a good idea to make a mandatory spending budget and plan your spending within the limits of what you're receiving. Make a budget for all the items you must spend each month, mainly including your housing, food, clothing, communications, leisure and entertainment, etc., and try to reduce unnecessary expenses.

Step 2: Start saving. Go to the bank to open a lump sum account and pay your salary every month, first consider the bank to save money; If you have a large amount of deposit, you can also save a one-year fixed deposit certificate every month, and you can accumulate 12 certificates of deposit in a year, which can be withdrawn very easily when you need money.

In addition, you should be cautious when using credit cards to avoid being a "loser". Consider the tiered portfolio savings method. In the first 3 months, according to their own situation, take out 1000-1500 yuan per month to deposit 3 months of fixed deposits, from the 4th month, each month will have a deposit is due.

If it is not withdrawn, the bank can automatically change it to a fixed deposit interest rate of 6 months, 1 year or 2 years; After that, in the 4th to 6th month, a certain amount of funds will be deposited every month as a fixed deposit for 6 months. Such a "step-by-step" operation not only ensures that an account expires every month, but also the number of free withdrawals continues to grow. Step 3:

Learn to keep accounts. Through bookkeeping, you will be able to know where your money is being spent each month, what should be spent, and what can be spent or not. It's not like before, and I don't know how to spend it every month.

If you can spend in a planned way, you can save more than 1,000 yuan in your monthly income for reasonable investment, and the economic status quo will be completely changed. You can invest $1,000 a month in the money market**, so you can invest $12,000 a year. The money market is low risk, and it is usually only affected by market interest rates, and the yield can reach the level of a fixed deposit.

At the same time, its liquidity is high, and investors can transfer ** units and withdraw the required funds at any time without being restricted by the maturity date. Available from low- and medium-risk portfolios, according to deposits, bonds, **4:3:

3 proportion of portfolio investment, if you still have the ability, you can buy an appropriate amount of commercial insurance. Personal finance has a strong age stage, young people have just stepped into the society, should focus on continuing their studies, improving their self-worth and investment ability, improve their salary level and investment income, and according to the capital, money market**, timely adjustment of investment plans.

The financial management column of the "Moonlight Family" Four Steps of Poverty Alleviation and Financial Management: How to plan financial management. Fact sheet: How to manage your money.

Open source interception, low-key life.

Many young people often have such a situation, they want to save money, but they can't keep it, and they just run out at the end of the month, and even have a situation where they can't make ends meet. In this state of panic, many people begin to think about how to plan their funds so that they can achieve a satisfactory financial result. So follow along now and see how to do it.

1. Change the concept of consumption

Many young people are new to society, or have long adapted to the habits of high consumption. I have developed a lot of not very good consumption concepts, spending money lavishly, buying goods without paying attention to practicality, focusing on personal enjoyment, etc. So first of all, we need to establish or change our consumption concept and self-restraint.

2. Develop bookkeeping habits

Some young people do not measure their consumption, and developing the habit of daily bookkeeping will help us understand how much we spend and what we buy. Learn to keep accounts and record every expense you spend, not only can you know where your money is going, but you can also adjust your consumption spending according to your own consumption preferences.

3. Reduce or not use loans for consumption

Migrant workers or many white-collar workers who have just entered the society are deeply trapped in online loans, and when they do not have full ability to pay, they tear down the east wall and make up the west wall, which makes themselves or their families suffer greatly. This is the consequence of the imbalance between consumption and income. It is advisable to reduce or minimize the use of loans or credit cards at the beginning of the job.

4. Learn to manage money

After knowing what we are spending and reducing the amount of money we spend, we can make a specific plan for our funds, determine a monthly financial management amount according to our own consumption income, and then guarantee this fund every month.

Initial investors can choose regular investment or financial products, etc., with lower professional requirements and more stable expected returns and risks, after a period of time, according to their own risk tolerance, they can invest in the market of bonds, **, **, etc.

My monthly salary is basically spent on paying off arrears and shopping, and I am a veritable moonshine family. Although I am very poor as a moonlight clan, I still spend every day happily. Every time my salary arrives, there is always a feeling that my money is not clean and my heart is not quiet, and my salary is reduced little by little as follows.

I failed to start a business, so I owe a friend a sum of money, because the amount is relatively large, so I can only choose to pay back to my friend in installments and every month, and every month when the salary is not hot, there is already a part of the money used to pay off the arrears. After all, it is not difficult to borrow and repay to be an honest person, which is responsible for your friends and your own reputation. I believe that no one likes people who owe money and don't pay it back, this kind of person is like a rat crossing the street and everyone shouts and beats.

And most importantly, I like to shop, and every day in my free time, I put my favorite products in my shopping cart and wait until my salary is time to check out. Although I don't buy a lot of things every month, it is also a big expense. I've thought about saving money and saving for a down payment on myself, because I don't have enough self-control to break my promise every month, and I hope I can achieve this goal next month and satisfy my dream of saving money.

The expenditure of money owed to friends plus shopping consumption has spent a large part of my salary, and the remaining few wages are my living expenses for the next month. My monthly salary is not very low, but I can't save money because I don't spend it right. And I'm not too old anymore, I can't be a moonshine clan anymore, I should have a plan to save part of my salary for my future, and I also hope that my friends will quit moonshine as soon as possible, and be a person who has plans and goals for the future.

Do you feel excited when your salary is paid, but at the end of the month, you feel like your pockets are empty? I believe that this is the same feeling that many moonlight people will have, and in the process of constant repetition, we should learn how to control and get rid of this situation.

Causes of moonshine

There are only a few reasons why most people have moonshine.

1. When you see what you like, you buy it;

2. I feel that my salary is too small now and I have no money to take care of, and I want to wait for the money to be taken care of in the future;

3. Lack of life training, I don't know how hard it is to make money, and I spend it when I have money;

4. There is a misleading concept that it is better to manage money than to make money.

There is a saying that "if you don't manage your money, your money won't care about you", this sentence is very reasonable, no matter how much you earn, you have to learn to manage your money reasonably, so that you can sort out your life and add value to your life.

How to get rid of?

1. Mandatory regular savings. We can develop a good habit of bookkeeping, so that we can not only know our income, but also better know our expenditure flow, consumption habits and consumption level.

2. Establish a suspicious target for saving money. The goal of saving money can be as big as buying a house, buying a car, managing money, or as small as attending a training course. The goal of saving money must be in line with your reality, so that you can stick to it.

3. Use less credit cards. Many friends do not feel that funds are flowing out when they spend with their cards, resulting in excessive consumption, so using less credit cards and more cash can better control their desire to spend.

4. Planned consumption. Make an overall plan for your future in a planned way, not only to avoid risks but also to enjoy discounts, but when you plan well, you should also leave yourself a good time to retreat and buffer, so as to avoid unnecessary changes affecting the previous plan.

5. Self-restraint. Control your desire to spend, think about what to buy and the approximate cost before shopping, don't bring too much cash, and don't spend with your card at will. Be aware of what you need to know, don't shop blindly, buy things that are not practical or temporarily unusable, and cause idleness.

If you want to get rid of the Moonlight Clan, you must have a plan for your life. While improving one's own planning ability, we should also develop our own careers, accumulate experience in financial management, "invest, don't overdraw", step by step, and completely get rid of the title of "moonlight family".

With the improvement of living standards, many people begin to face a problem, that is, to become a "moonlight clan". This refers to those who spend most of their monthly income on daily living expenses and are unable to accumulate savings or investments. So, how do you avoid becoming a moonshine clan?

Here are some practical suggestions.

First of all, it is very important to establish a budget plan. At the beginning of each month, you should create a detailed budget plan that clearly states how much you are earning and spending. This can help you better control your spending behavior and avoid unnecessary waste.

Secondly, learning to manage money is also very important to eliminate socks. Managing money isn't just about investing** or real estate, it's also about how to use your savings wisely. For example, you can choose to put a portion of your savings into a fixed deposit or a savings account with a higher interest rate to earn higher interest income.

In addition, raising one's income level is also an important way to avoid becoming a moonshine clan. This can be done by upgrading your professional skills, looking for a higher-paying job, or by starting a business, for example.

Finally, it is also very important to maintain good spending habits. Although we all need to meet certain quality of life needs, excessive consumption can often lead to financial difficulties. Therefore, we should learn to consume wisely and avoid unnecessary shopping impulses.

Overall, avoiding becoming a moonshine requires us to work on multiple fronts. Only through reasonable budget management, effective financial management, improving our income level and maintaining good consumption habits can we truly achieve financial freedom and avoid becoming a moonshine family.

Analysis of the current situation:

Income: 1800-2200

Spending: 1800-2200

Balance: 0 Age: 25-28

Asset: Unknown.

Financial goal: Get out of the moonlight family.

Financial advice: 1. Open source.

Being young is the biggest asset, learn more, arm yourself with knowledge, and increase your income.

Since the focus of financial management is not on this, I will bring it in one sentence.

2. Throttling. To put it simply, it is to use a part of the expenditure rationally and create greater value with less money, and the following aspects need to be paid attention to.

1. Distinguish whether this consumption is needed or wanted.

Need is a necessity of life, and without it will affect the quality of life, and this money should be spent.

If you want to satisfy vanity, without it will not affect the quality of life, this money can be spent or not, and you must plan to avoid falling into financial crisis.

2. Distinguish whether the consumption is an investment or an expense.

Investing can give you a reward, while spending will make your money go away.

3. Bookkeeping. Know where the money is spent, and then begin to summarize and reflect, which money should be spent, which money can be spent or not, and which money should not be spent, after these three contents are clear, the next stage of life must begin to make a plan, to ensure that the money that should be spent is sufficient, and can be in place in time, the money that can be spent or not spent should be compressed as much as possible, and the money that should not be spent should be controlled, don't spend it, so that you know in your heart, and the money will not be wasted.

4. Learn to control your desire to consume.

The key is in this point, the difficult is difficult, the easy is easy, and we must pay attention to the method.

First, take a long-term view.

If you want to think about the necessary expenses such as getting married, buying a house, children's education, pension, retirement, etc., and plan for these stages, then you will also have more eyes when you consume.

Second, have your own goals.

Poor people are poor because they lack the ambition to be rich. This is the standard answer recognized by all wealthy people, and the establishment of life goals can cultivate their ambitions, allow them to work hard, and do not hesitate to cut back on food and clothing.

Financial management steps: 1. Start with tools to increase the value of your money.

In terms of risk and return, from low to high, they are:

Fixed savings, bonds, bank wealth management products, insurance, real estate, collectibles, foreign exchange, lottery, etc., and there are many derivatives.

Determine the direction of the allocation of funds step by step.

Achieve your financial goals such as getting married, buying a house, having children, education, supporting and retiring.

Generally speaking, you can choose 3 or 5 of them.

2. Divide your income into n parts (such as living expenses, debt repayment, buying a house**, etc.), and pack them separately.

If you have saved a certain amount, you can put it on the appropriate value-added tools (note: as a means of compulsory savings, regular investment is a good choice).

The purpose of financial management is to live a happy life, which requires long-term perseverance and continuous learning, and I believe that through your own efforts, you will reach the other side of victory.