How should I manage my money as a recent graduate? Just graduated, how to manage your finances

Just graduated, the annual income was 70,000 ,,, awesome... I think I should make a fixed deposit first, because I have just graduated and have no investment resources, so I can consider saving a fixed deposit for three years and use some of it to learn to buy financial products. More time for working hard and improving yourself, personal experience is that the first 3-5 years is the best time to learn, and then it's almost the same time...

Wow, so rich. You can talk about the long-term investment college of Douban.com.

This is going to go to some financial management** to see it...

Make **regular investment, and take out a part of your salary every month**.

It's okay to spend less, save more, or consider small investments.

How should this first salary be spent? This is a question that everyone has thought about, and it may also be the pain that many "migrant workers" have experienced.

For example, if you pay the rent, there is nothing left.

For example, the salary is not much, and there is no good meal with friends.

Another example: I bought a bag and asked my mother to sponsor some ......

Young people's first income is generally not high, and any one expense in life can consume all of their salary.

If you don't want the money to be spent silently, what are the ways to make a long-term return on the money?

1. Savings. Saving money is a very important thing for everyone. Don't think that you can spend less money casually, saving is a process of accumulating small amounts, and all wealth depends on accumulation.

Saving is the first step to financial freedom for many people, and it is the most basic and important stage. No matter who wants to achieve passive income of "money makes money", they need to have the blessing of principal, and saving is to accumulate principal. Many people's "first pot of gold" is saved by themselves.

The order in which you save money is very important, and many people spend it until the end of the month, and how much they have left to save is often left every month. If you change to save first and spend later, salary, fixed savings, and disposable funds, you may find that it has no impact on your life, but the account balance is slowly increasing.

For young people who have just stepped into the society and got their first income, it is a good idea to start with 10% of their income.

In addition to bank deposits, less risky currency ** products are also a good place to save money, and the key is to develop the habit of "only in but not out".

Article **1 II. Self-investment.

If your income is not high, you should plan well to spend your money on **, don't eat and drink, you can give priority to spending money on your wish list, those things that can help improve your own advantages. For example, take a course, take a certificate, buy a computer or mobile phone that can improve your productivity. The programme can provide more choices and preparation for future professional life; Certificates can improve their competitiveness in an industry in the future, and in some industries, certificates are directly linked to income; Good performance office equipment can make one's work twice as effective with half the effort, these aspects seem to cost money at the moment, but in the long run, it can help individuals improve their earning power and appreciate themselves.

Of course, it may be that the balance of one month is not enough, and it takes a period of accumulation. Since the conditions do not yet allow for throttling, then spend the money where it can be open source.

3. Insurance. The purpose of insurance is to pass on the financial losses caused by the risk and protect the money bag that is not full.

With the huge pressure of work and endless nights, young people don't know which will come first, tomorrow or accidents, and they don't know when the disease will break out. Even if it seems to be a well-off family, it may be dragged down by any accidents, illnesses, and medical expenses. Therefore, the more you lack financial ability, the more necessary it is to match yourself with insurance.

Of course, you must configure it correctly according to your actual situation and ability to pay, and don't follow the crowd