How can young people who have just graduated and have no savings start to manage their finances?

For you who have just graduated, you don't have any savings at this time, so you should calm down and work hard, and then use your spare time to learn some knowledge about financial management, such as "Personal Finance Basics", "Completely Subvert Money", and pay attention to financial news by the way, which will help you quickly master financial knowledge.

On the other hand, you have to learn to force savings, and you have to take out a part of the money for investment every month, and try to avoid the phenomenon of moonshine, so that you will have more start-up capital for investment and financial management over time. When you don't have much money, you can first deposit the money in Wealth Management Connect or Yue Bao, which has a higher yield than a bank fixed deposit and has less risk. When you reach a certain level of wealth, you can invest a portion of your money in riskier products such as **.

However, when you invest, you must learn to diversify your investment, you can't invest all your money in the same kind of financial products, only diversified investment can ensure the safety of your funds, and obtain higher returns.

The premise of financial management is that you have to have money to manage, and the most important thing for people who have just graduated and have no savings is to get money first.

You have a stable job before you can get a salary. Only in this way can you slowly be able to make money.

It's good to have that kind of thinking, but our thinking is still based on reality. The reality is whether you have money or not, and whether you have money to manage your finances.

There is now a new 53-week financial management method on the Internet, which is also a pretty good method. But I don't recommend that you do it all the way he manages your money.

You can save as much as you have left in your hand and then delete that data. That way, you're not stressed that much.

After all, the disadvantage of the 53-week financial management method is that the further you go, the greater the pressure. This will relieve the stress a bit. Once you have a certain amount of savings in hand, you can use traditional financial management methods.

It is recommended to be safe now, and go to the bank to learn more about financial products. But you can't say what it is, you have to choose. Only if you choose the money management method that suits you.

Now that I'm young, I don't recommend risky financial management methods such as investment. Because you have no experience, you will be easily deceived.

Hello, my first salary at work was actually not very much, but I didn't use this money to buy things I liked, but chose to save it for some more stable investments.

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" was 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".

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; The certificate can improve the competitiveness of He Kutuan in an industry in the future, and in some industries, the certificate is directly linked to the level of 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 on Zen oranges where they can be open source.