In fact, no money means no financial awareness. If you want to be poor, you will be poor, a vicious circle. If you keep the idea of not managing money, you will always be poor.
When I was young in the workplace, that is, when the monthly salary was only 5000, I adopted three financial management methods. I would like to introduce it to you here, hoping that more people will help.
First, rational layout
Save enough emergency reserve for 3-6 months first, so that you can manage your finances more stably. If the monthly salary is 5,000 yuan, after deducting the basic expenses such as rent and meals, you can basically have 1500 yuan left every month, which is enough for six months' daily expenses. If it is at least 3,000 yuan per month, it is 1.8 million yuan.
This part can be placed in very low-risk and flexible fund investments, such as flexible low-risk wealth management products such as Yu 'ebao and Licaitong.
Only by ensuring one's basic survival funds can financial risks be effectively controlled and it is not easy to get into debt.
Then you can allocate some index funds, P2P and other wealth management products according to your own risk acceptance. Don't buy stocks so quickly when you don't have enough funds at first and your risk tolerance is small.
Second, use credit cards skillfully.
Credit card is a common payment method. Clever use of credit cards can help us make full use of funds.
Like the usual expenses, Alipay and WeChat try to bind credit cards, giving priority to credit card payment.
Flexible cash can also enjoy the interest of one month before the credit card is repaid.
Sometimes I want to buy something expensive, such as digital products, and the credit card limit is not enough, so I can apply for temporary adjustment. It seems that it can be adjusted several times a year, so different banks have different regulations. You can enjoy the product first, and then wait until next month's salary, and make up two months' salary to repay it together, so the cash pressure is not so great.
Of course, try to repay on time, don't let yourself have a bad repayment record, and don't pay extra interest.
If necessary, you can apply for two credit cards, and the billing date interval between the two cards is about 15 days.
Third, open source and reduce expenditure.
The principal is not enough, and the principal of financial management is still very limited. Therefore, investing in your own abilities properly can broaden the sources of income, raise your salary and increase your income.
At the same time, according to your own income, don't expect to live in such a single room of several thousand yuan when your income is not high.
I am a senior in the workplace, focusing on answering workplace questions. Welcome to follow my seniors on the official WeChat account.