Whether you are in debt, moonlight, or have some savings, you can take a few steps to plan your life.
Step 1: Sort out your income and expenses
The most basic job of financial management is to sort out your income and expenditure, and learn to keep accounts. Divide rent, meals, credit card arrears, salary income, extra income, etc. into income and expenses and record them separately. After two or three months of sorting, you can sort out how much you spend and how much you earn each month.
Step 2: Set up three accounts
change account
Mainly used for daily expenses and emergencies. It is recommended to reserve 1-3 months of living expenses in the change account.
Value Added Account
Mainly to beat inflation and achieve steady value-added.
For value-added accounts, you can consider purchasing medium and long-term wealth management products. Do not blindly compare returns, because you must comprehensively consider your financial management style and the risk level of platforms and products.
speculative account
Speculative accounts are mainly for short-term gains, and of course there may be losses. Speculative accounts can choose funds, stocks, gold, digital currencies, etc. for investment. It is best to choose one or two categories to study, but the key is how much money to put in such funds. Such products have high learning costs and certain requirements for operation.