Just graduated for two years, with a monthly salary of almost 10 thousand. Excluding expenses such as food, clothing, housing and transportation, I have saved nearly 10w in the past two years.
It is said that deposit is everyone's confidence in life and will soon enter 2023. The plan to save money must continue to be arranged! My KPI for next year is to strive to reach 20w. Although it seems to be an unattainable number, I have found some very practical ways to save money, which I would like to share with you here:
1. Divide the salary into several parts and forcibly save 30%:
The most taboo of saving money is "moonlight"! Therefore, I usually divide my monthly salary into four parts, 30% is saved by force, 40% is used for rent+living, 20% is used for investment/wealth management, and the remaining 10% is used as activity funds, which can be used flexibly when necessary, and saved next month if not. Although it looks simple, it is really painful to actually implement it at first. Not only do you need to keep an account of every expenditure, but you also need to check it regularly to know more clearly where the money is spent and where it should not be spent, so as to dynamically adjust the monthly expenditure flow.
2. Rational financial management, investment also needs to learn:
Almost from the first half of this year, I gradually began to try to buy funds and stocks. I was really confused at first, so I read some courses and e-books on economics. Besides laying a solid theoretical foundation, it is also very helpful for me to establish a correct concept of financial management! For example, many people now choose to follow the crowd in financial management. In fact, there are many doorways that you need to learn by yourself, otherwise it will easily become a "cut leek". In the short term, at this stage, I am still trying to make steady investment and financial management. First, I will fix 20% of my salary as the principal of the appreciation account. For example, I will put some of my money in Bao Chao China Merchants Bank, so that I can use it flexibly and get some income at the same time. In addition, the way I use more now is the fixed investment of the fund. Relatively speaking, the current fund market is not very stable. Fixed investment can reduce risks to a certain extent, and the most important thing is that you hold it for a long time! With these two roads, I have earned almost a few hundred dollars in the past six months. Although the amount is not high, it is still more rational for Xiaobai, who has just started.