The way to manage money The way to survive for poor college students

Habit 1: Keep a record of your finances. If you can measure, you must be able to understand, and if you can understand, you must be able to change.

Without consistent, organized, and accurate records, a financial plan is impossible. Therefore, it is necessary to keep a detailed record of your income and expenditure at the beginning of your financial plan. A good record can enable you to:

1. Measure your economic status——— which is the basis for making a reasonable financial plan.

2. Effectively change the current financial management behavior.

3. Measure progress towards the goal.

In particular, it is important to keep financial records and establish a file so that you can know your income, net worth, expenses, and liabilities.

Habit 2: Be clear about your values and economic goals.

By understanding your own values, you can establish economic goals that are clear, unambiguous, authentic, and feasible. Without clear goals and directions, you can't make the right budget; If you don't have enough reason to discipline yourself, you won't be able to achieve the goals you want in 2, 20 or even 40 years.

Habit 3: Determine your net worth.

Once the economic records are in place, it is easy to calculate net worth——— which is how most financial experts calculate wealth. Why do you have to calculate your net worth? Because only by knowing your annual net worth will you know how much you have moved towards your goal.

Habit 4: Know your income and expenses.

Few people know exactly how their money is spent, or even how much they earn. Without this basic information, it's hard to create a budget and plan how to spend it, and you don't know where to spend it, and you can't make reasonable changes in spending.

Habit 5: Make a budget and implement it accordingly.

Wealth is not about how much you earn, but how much you have left. Budgeting may sound boring, tedious, and contrived, but you can find out where a large amount of money is going in the little things you spend on a daily basis. In addition, a specific budget is very beneficial for us to achieve our financial goals.

Habit 6: Cut expenses.

A lot of people complain at the beginning that they can't afford to invest more money to achieve their economic goals. In fact, the goal is not achieved by a large investment. Cut back on expenses and save every dollar, because even a small investment can lead to a lot of wealth, such as:

What is the result of saving an extra 100 yuan every month? If you start investing at the age of 24 and can get an annual profit of 10, you will have 20,000 yuan at the age of 34. The longer the investment, the more obvious the effect of compound interest becomes.

Over time, the profits from saving and investing have become even more apparent. So the earlier you start and the more you save, the more your profits will grow exponentially.

40%-50% of income is used for daily expenses, 5%-10% for social security, 20%-30% for investment and savings, 10% for personal income tax, 10%-20% for commercial insurance.

Earn money and save money, choose what you need, not what you want.

It is recommended to read more financial management books and **, and buy some corresponding financial products based on your own risk tolerance and expected return value. Don't be in a hurry, financial management should be slow. Rotten.

Yes, because we have a lot of channels to make money during college, and at the same time, we can also make ourselves grow more knowledge, and we can save the principal of Yansun for financial management, so that after graduation, it is also a good fund for a thick fiber chain.

First: It can be placed in the Yue Bao in Alipay.

Second: You can buy some small amounts.

Third: you can do some bank management.

Fourth: you can do spot financial investment.

If you pursue high returns, you can do spot **:

Spot ** advantage.

T+0 transaction:

Long opening time:

24-hour global trading from Monday to Friday and after 20:00 in the evening** There is a good chance that you can manage your money at work.

High leverage:

Make a big investment with a small amount of money, about 1:100 ratio, that is, $1,000 to buy about $100,000 worth of **.

Two-way operation: you can buy up and buy down, and you can make a profit. It can also be operated profitably.

Simple operation: single variety, only one product, different from ** there are thousands, and the transaction speed is fast. There is no phenomenon of no one receiving the goods, and the transaction can be completed in less than 1 second.

Large returns: Multiple cumulative operations can be carried out on the same day, and the annual income is as high as 400%.

College students must not blindly buy financial products before learning financial management. If college students are going to learn about financial literacy. You can go to the finance major to audit. Second, buy professional books to study financial literacy.

Take relevant online financial management courses. Now that the network is very developed, you can make full use of network resources to improve your financial management ability.

Hello this classmate!

I suggest you still use regular investment! The average yield is around 10% per year!

Let me introduce you to the benefits of regular investment! As for how to make regular investment**, you can open online banking, and directly log in to the company** company to open an account online to make regular investment! Long-term regular investment will definitely bring you good returns!

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

**Originally, it was the best choice for long-term gains. If it is a regular investment method, it can also smooth out the loss of income caused by short-term fluctuations, since it is the pursuit of long-term returns, you can choose the variety with the highest target return, index**. The index originally selected the target, the blue chip stocks and high-quality stocks in the industry with model representative significance, and avoided the risk of ** because it has a certain number of models.

And the impact of economic cycles on individual industries is avoided. Since it is a long-term fixed investment, it takes time to digest the inevitable high-risk characteristics of high-yield varieties.

Do spot ** investment, the monthly income can reach 30% or even higher. 353 plus I can talk about 061270 in detail

I'm also a college student and Japanese candlestick charts are good.