Nowadays, the saying "If you don't manage your money, money will not care about you" has become a familiar financial saying for many people, but financial management is often the same as losing weight, with only slogans and no actions. So how should young people who want to get rid of the plight of the moonlight clan manage their finances? How to manage money? The author summarizes the following four tricks for you.

The first step is to clarify the goals of financial management. How do young people manage finances? If you have clear goals and directions for financial management, such as buying a car or a house, you will have strong motivation. And this goal must have a concept of time. Whether you plan to buy a house next year or five years later, how big a house to buy, etc. must be implemented in the plan. This will help you make a thorough plan and steadily realize your goals. Target.

The second trick is to keep accounts. How do young people manage money? Keeping track of accounts can strengthen your determination to manage your finances and save money. The purpose of bookkeeping is by no means simply to record running accounts, but to find out the dispensable "latte factor" in life. In order to have a better life in the future, you must control some unnecessary consumption now and force savings to be used as investment funds to prepare for future life.

The third step is to carry out reasonable property allocation. You cannot invest as much assets as you have. From a strategic perspective, assets fixed at 30%-20% should be placed in banks. Young people sometimes act more impulsively and like to take risks and make one-time investments, which is a big no-no in terms of financial management. The author writes in "How to manage money with 100,000 yuan?" The 4321 rule of Standard & Poor's Law mentioned in the article "The 4321 Law Tells You" is a good asset allocation model. Divide money into four parts: money to spend, money to protect life, money to make money, and money to maintain capital and increase value.

The fourth tip is to invest in yourself. How do young people manage finances? The best investment for young people is always to invest in themselves. The so-called "investing in yourself" is not just about spending money to study various courses and obtain various certificates. More importantly, you need to invest more time in improving your own abilities. If a young man with only tens of thousands of yuan in savings wants to rely on money to make money and get rich quickly, he is definitely not doing financial management, but gambling. Many young people say: "I manage money every day!" In order to speculate in stocks every day, they are not focused on work and are not active in learning. There are even some young people who go astray when they first open the door to financial management, give up their own jobs, and become obsessed with various unorthodox "financial skills". Sooner or later, they will eventually fall into trouble. How do young people manage money? How to manage money? Determine your life and financial management goals, start to deliberately reduce expenditures through bookkeeping, make reasonable allocations, and invest in yourself. Stick to these four steps. A good start is half the battle. There is never an end point on the road of financial management. Live and learn as you go, and appreciate the scenery on this road of financial management with a learning attitude!