How do you manage your money Why am I still a moonshine clan

That means you're not doing a good job.

Purposeful financial management, such as how much money you want to save in a year, or what kind of items you want to buy or what level of money you want to achieve in a certain period of time, will naturally be spent without a goal. Therefore, you must set goals first, and then manage your finances based on your own reality.

What you said should be to solve how to live first, pay your salary every month, first consider what you need to spend this month, how much you budget, and then calculate how much money is left for living expenses.

The rest of the money needs to be carefully thought out, reduce unnecessary or frequent socializing, unnecessary shopping, etc., so that you can have some money left over this month. After that, I slowly developed this habit, and I spent more reasonably every month, and I saved money.

1. Empty your debts.

Clearing existing debts is a top priority for breaking away from the Moonlight Clan. But the so-called emptying of debts does not mean that there can be no debts. If you are not a moonshiner, then a reasonable leverage ratio will make your investment and financial management more efficient.

But if you are a moonshine clan and want to get out of the moonshine life, then the first thing is to clear your debts so that you can save money. Whether it is a credit card or other arrears, if you can pay off as soon as possible, you should pay it off as soon as possible, after all, interest and handling fees are also a lot of expenses.

2. Forced savings.

Forced savings are necessary, and saving a sum of money as soon as the monthly income arrives and treating it as if it has been spent is a good way to control yourself. The better way is to deposit a fixed deposit directly, which will make it very troublesome to withdraw the money and forcibly save the money. Of course, in addition to fixed deposits, you can also choose ** fixed investment or salary financial management, as long as you set up the salary to be automatically transferred to the account.

You can also get a certain amount of income while depositing.

3. Change consumption habits.

Get rid of lavish consumption habits, reduce impulsive consumption, and chop hands rationally. In this way, it can be reasonable. Of course, there's also a tip, and that's using cash and debit cards to spend.

4. Bookkeeping. Record every expense every day, and you can clearly analyze what your money is used for afterwards, and always remind yourself of what money should be spent and what money should not be spent.

5. Financial investment.

Investing and managing money is not only a lesson to get rid of the Yueguan clan, but also a way to open the road to financial freedom. For the moonlight family, if the income is abundant, then in addition to the deposit, you can set aside an additional amount of money every month for investment.

Start by turning yourself into a non-moonshiner.