How to manage personal finance? How to manage monthly salary? In Western family education, parents will cultivate children's habit of managing money when they are young. How to manage money when we have our own income? Now let's look at the personal financial management methods and how to manage the monthly salary together with the small editor.
(1) Record revenue and expenditure
I made a simple personal income statement as follows:
Unit: yuan (Note: part-time income, usually I like reading and writing, mainly contribute to magazines and newspapers, have a certain contribution fee, and also do some part-time promotion online)
(2) Setting goals
I first made clear my basic financial goal, and planned to save 50000 yuan in three years and 80000 yuan in five years. Because I know that as a young person, there are many places to spend money and communicate, and it is impossible to be too stingy in order to save money, so the place to spend money must not be saved, but life can be a little hard at ordinary times, but it doesn't matter. It may be a good thing to eat a little hard at young age. With this goal and determination, my personal financial management direction is clear, and my life is also motivated.
My monthly income is 4000 yuan, my monthly expenditure is 2500 yuan, and my monthly balance is only 1500 yuan. The current income can only be said to be "modest". In Shanghai, the average monthly salary is also about 5000 yuan. Therefore, I should pay attention to reducing unnecessary expenditure, such as being greedy for cheap, and buying things that are actually unnecessary, so I should spend money on cutting edge.
(3) Take action
Cultivate the habit of bookkeeping
Bookkeeping can help us better understand our income and expenditure status, and help control consumption. However, it should be noted that bookkeeping is very important, and analysis is more important. So at the end of each month, I will take out my personal account book for an overall analysis to see what is unnecessary consumption. For example, I buy books every time, but seldom read them back, reducing the number of cigarettes every day, Sometimes I have to smoke for social intercourse, so I will avoid paying attention later.
Compulsory savings
My monthly balance of 1500 yuan and the money saved at ordinary times can be forced to save as a small deposit and withdrawal. If you don't take care of your money, you will lose a lot of income. The one-year interest rate of fractional deposit and lump sum withdrawal is 2.85%. If 1500 yuan is invested every month, plus the bonus of 3000 yuan at the end of the year, 20000 yuan can be saved in one year. For a long time, the balance can be more than 100000 yuan in five years. Of course, this is an ideal state. During this period, there should be no adverse events, and your income can be stable and constantly improved.
Keep learning
The newly graduated college students are in the initial stage of financial accumulation. In addition to paying attention to and learning financial management knowledge, they should also pay attention to the improvement of personal accomplishment, professional skills, interpersonal communication and other aspects, improve their abilities in all aspects, and lay a good foundation for their future career and family.
After reading the above personal financial management methods and how to manage monthly salary, you can refer to them.
