How do you save money, Zhihu?

First, get rid of the thinking of the poor.

When reading, the teacher often said that losers always make excuses and summed up the thinking of three poor people who led to poverty:

To get rid of the moonlight clan, we must first get rid of the thinking of the poor.

1, aimless life

Life is not just living, but also poetry and distance ~

People's behavior should be goal-driven, and only with goals can there be reasons for action.

Everyone is only two steps away from success:

Step 1: Dare to think.

Step 2: Dare to do it.

The same is true of the road to poverty alleviation. First, you have to have a goal, big or small.

For example, I want to save money to travel, save money to buy a car, save money for a down payment, and stand still at the age of 30. ......

Know what you want, and your financial management will know where to start and where to go.

2, don't think, don't summarize

It is not enough to have a goal, you must work hard enough.

Be good at thinking and summarizing, collect financial management experience or life experience, reflect and summarize, feedback to our work and life in time, and make effective adjustment measures.

3, will not spend money, do not know how to manage money.

Financial management is to do one thing: open source and reduce expenditure.

This word is often said before open source, but dad thinks financial management comes first.

So the first step of financial management: saving money.

Learn to spend money, what money should be spent and what money should not be spent, all of which should be in your financial planning.

Li Ka-shing once told a story about picking up coins. Dad was impressed by what he said: money can be spent, but not wasted.

* It has to be.

Is that you have to spend a sum of money to do something. For example, the necessary food and clothing costs in life, disease costs and so on.

* Value orientation

Spend money on valuable things, such as investing in your own further study. Young people are most worthy of investing in themselves, because your knowledge and insight are wealth that others can't take away.

It is easy for young people to fall into a dilemma: every month's salary always disappears for no reason.

Second, financial management needs to know three things like the palm of your hand.

1, the first is the understanding of risk.

Risk is the number one enemy of financial management, whether it is the inherent risk of the market or the risk coefficient of specific financial management methods.

Have a full understanding of your own financial management: find out the underlying assets of financial products, do a good job in risk control of venture capital, and respond to accidents in time.

2, followed by self-awareness.

Do financial management should also consider whether you are suitable or not, and whether the risks you can bear match the risks of financial management.

3. Finally, configure thinking.

Risks and benefits are always * * *, and no financial investment can be said to be as stable as Mount Tai.

Faced with this fact, we can only make a fuss about our own operations. Different financial management methods correspond to different risks, and then make arrangements according to personal circumstances.

This paper introduces a commonly used family asset allocation model in the world: Standard & Poor's family asset quadrant diagram.

Simply put, it is to diversify investment and risks.

Third, the sharp weapon needed for financial management.

In terms of specific financial management, briefly talk about several practical investment methods:

1, bank deposit.

Everyone can understand this, but how to use the specific bank deposits is still a science. If you are interested, you can read the article about bank deposits written by dad before: in fact, you don't know how to deposit money at all! It introduces something about bank deposits that you may not know. With sufficient deposits, we can have more choices in financial management.

2. National debt.

National debt is called the least risky financial product. In our life, we can invest through bank counters and bank official website or mobile App.

3. Monetary Fund.

It is often said that Yu 'ebao and WeChat Balance+are both money funds. Its characteristics are high security, strong liquidity, stable income, suitable for flexible cash flow and good income. Although the yield of money fund is getting lower and lower, it still has great advantages compared with demand deposits with similar characteristics.

4. Bank wealth management products.

There are many kinds of bank wealth management products. Experience tells us that we should do several things well: read the instructions of wealth management products, care about the underlying assets, and choose wealth management products with different maturities in combination with personal expectations of future funds.

5. The fund will make fixed investment.

The pure lazy investment model does not need to invest a lot of money at one time, which is very suitable for working people. Just find the right time, find the right target, buy foolishly and sell foolishly.