How to manage your money and not become a moonshine clan?

If you don't manage your money, your money won't care about you. With a monthly income of 3,000-8,000 yuan, don't be afraid, you must do a good job in career planning and financial planning. In order to avoid the suspicion of advertising, I will not elaborate on the method of managing money.

In short, the first is to reasonably plan change, favors, emergency funds and balances. In addition to the savings of the monthly balance, we must establish a mechanism for regular investment, and we can roll over time to be a friend of time. The second is to change the concept of financial management, appropriate asset allocation, you can allocate some bank wealth management, treasury bonds and **type**, which is expected to achieve higher returns in the long run.

Third, we must learn to use financial leverage, because the currency depreciation is so powerful, financial leverage is appropriate. The best way is to take out a loan to buy a house that you just need, and force you to repay it from your salary, and the right leverage can force you to work better. If you don't want to buy a house, you can also get a credit card, which indirectly uses leverage.

One dollar left at the end of each month is fine.

When it comes to financial management, many of these friends are starting to go crazy, they are moonshine, they have no money to invest, what should I do. It's not difficult to solve the dilemma of moonshine at all.

The first step is to learn how to keep accounts. Bookkeeping seems simple, but there are actually a lot of tricks and tricks in it. Bookkeeping can first cultivate their sensitivity to money, some friends look at a lot of wages every month, but they don't know that they spend their money in; You can also improve your consumption habits, some friends see this discount today and buy it, tomorrow that ** also buys, this is not right, to distinguish which is necessary for themselves, which is wanted, and which can not be wanted.

Bookkeeping actually has a lot of software that can be recommended, such as this handwriting, digging money, pocket bookkeeping, NetEase money, etc., so that some bookkeeping software is very aspect, you can keep accounts at any time, and there will be reports for analysis every month.

The second is to keep increasing your income. When Ink Jun carried out financial planning for customers, he found that the ultimate problem of many customers' financial management lies in open source, that is, in terms of income. There is no income, and the monthly salary is only enough for his rent, water, electricity, and transportation expenses.

To provide your own income, the first thing you need to do is to work hard in your own job and improve your work ability and skills. The second is to increase his own extra income, and now this slash youth is so popular that he is embarrassed to say that he has mixed up without some side income. In fact, there are many ways to earn extra income, such as having some special skills, such as PPT, copywriting, poster design, etc., which can bring you amateur income, and for example, the popular self-**, you can also create more income by writing articles.

In short, on the road of getting rid of moonshine, it is necessary to synchronize from open source and interception, open source is to increase income, interception is to save some unnecessary expenses and expenses, improve their consumption habits, etc. It's not a very difficult thing to get rid of moonshine, as long as you can delay the enjoyment a little bit and work harder, you can definitely do it.