Personal finance has been developing rapidly in recent years. It is thought that the threshold is very low, so almost everyone can manage finance through online loan platforms. Below, the editor will teach you how to manage personal finance.
, learn to keep accounts. It's best if you know something about accounting. If you don't know, just keep a running account. Let me teach you how to draw a horizontal line in the middle of a piece of paper. Record income on the left and expenses on the right. Income is divided into two categories: salary and additional expenses are divided into three categories: daily expenses, emergency expenses and investment expenses. Daily expenses include eating and drinking, emergencies include unplanned expenses, such as a friend’s wedding, physical discomfort, friends’ gatherings, etc. Investments include spending on books, class registration, cosmetics and other durable goods. Make statistics every week to see if you are making less money or spending more money. Do you spend your money on daily expenses or investment expenses? In short, you must balance your income and expenditure. Don't let yourself become unable to make ends meet. bad habits. Once you get into the habit of keeping accounts, you can do statistics once a month.
, diligent in learning. Just don’t be lazy, pay more attention to some more professional and authoritative financial websites and financial bloggers, and see how others analyze the market and economic trends. If you don’t understand, you have to communicate. It’s good to go to Xueqiu.com, and be a good student with an open mind.
, calm down. The domestic economic situation is complex, and there are many tricks in the stock market. It does not follow economic laws. It is normal to mess up at the beginning. If you lose a little money, you should take it as a lesson. You will gain wisdom every time you take a step, don’t be discouraged and take your time. This is advice.
, self-knowledge. In any game, there are winners and losers. You can't guarantee that you will win, but you have to make sure that you don't lose too badly. If your salary is lower than that and your savings are less than RMB 10,000, don’t rush to manage your finances.
The above is just the editor’s advice to everyone, and it is also a very pertinent suggestion. In addition to funds, the most important thing in personal finance is mentality. You must rationally see the benefits and risks in financial management.
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