First, clear financial planning.

1. Accounting

Whether it's paper and pen or accounting software, it's ok. As long as you can record your daily expenses, you can know where your money is spent, and then make conscious improvements.

2. Re-quote

Make a review of life, goals and growth. Check your weekly expenses, and you will find that there is a lot of money that you don't need to spend and a lot of mistakes that you don't need to make.

plan

Plan fixed monthly expenses to reduce or even eliminate unnecessary daily expenses. Make a detailed plan for future behavior, such as eating, sleeping, entertainment, self-improvement and so on. , all within the plan.

be economical

When the monthly salary is paid, enough fixed expenses are left, 80% of the remaining amount is saved, and 20% is reserved for flexible funds. Every quarter's bonus will remain unchanged.

investment

Part of the money saved will be used for investments with low risk factors. If Xiaobai can't, don't blindly follow suit. Used for personal cognitive improvement, skill learning and knowledge reserve.

Second, self-growth.

1. Read

Set aside some time for reading, or read aimlessly. A lot of knowledge that seems useless at that time will become your upward ladder in the future.

study

When you enter the society, you will find that a lot of knowledge you have learned in school is rarely used in your daily work and life. Only by continuous learning can we have a place in the workplace.

listen to a professional storyteller

Many people are used to reading paper books, but it is too crowded on their way to and from work every day, so they change the time of listening to songs and brushing short videos to listening to books. When cleaning up housework at home, you can also listen to books.

record

Daily life and work are inseparable from records. Even if you don't do paperwork, you need to write something all the time. So practice your writing skills and at least make sure that everything you record is in order.

5. Cultivate business insight

Cultivate business insight and develop thinking mode. "People can never make money beyond their cognitive range" is the importance of thinking mode. Read more business cases, read more relevant documentaries and books, and cultivate your own business insight.

Third, low materialistic consumption habits.

1. Don't buy things in fixed peak consumption seasons, such as 6 18, Double Eleven and Double Twelve.

2. Bring meals every day, don't order takeout, don't drink milk tea, and don't eat junk food.

Make a list of necessities and necessities every month, and don't buy anything other than the list.

4. Reject all invalid social activities without spending a penny.

Try to do it yourself, cook your own food, spend a little money on raw materials, and add teaching strategies that can be seen everywhere on the Internet, so it is no longer difficult to become a gourmet.