1, financial management is a lifelong treasure, not just to solve the problem of urgent need for money.
2. Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, no matter whether you have money now or not, everyone needs to manage money.
The financial planning of newcomers in the workplace is in the initial stage of their career, which is the beginning of accumulating wealth in life and the best time to cultivate financial habits. The first few years of financial management often have a far-reaching impact on future living habits and work development. MacGubian Xiao reminds you that the sooner you put your financial planning into practice, the sooner you can master the initiative of money control.
Establish financial goals and firm financial determination. Many people have financial goals, but in the process of implementation, they always fail to stick to them for various reasons, mostly due to personal mentality. The most taboo of financial management is "fishing for three days and drying the net for two days". It is important to make a complete financial plan, but it needs to be adhered to. Therefore, newcomers in the workplace need to overcome their own mentality and make up their minds to seriously combine planning and action before they can achieve their goals.
Spending money on bookkeeping, rational consumption, the contradiction that newcomers in the workplace always face: their salary is not high, but they like to pursue the quality of life, so they often have little salary left. Insist on keeping accounts of all kinds of consumption expenditures in life, comprehensively examine your own income and expenditure, and then make plans to realize ideal consumption. Newcomers should not think that bookkeeping is trivial and repetitive work. It can help us intuitively understand where the money is spent, analyze and summarize it and save unnecessary expenses.
Friends who don't like to use bookkeeping books can use mobile phones to keep accounts. At present, there are many simple and easy-to-use accounting apps on mobile phones, such as "Digging for Accounting", "dailycoast" and "Netease Money Accounting", which are convenient for accounting anytime and anywhere, and can also automatically generate reports, so that the whereabouts and categories of money consumption can be seen at a glance.
Set a monthly saving goal and force yourself to save money. Many newcomers in the workplace always leave their monthly salary in the salary card because of the lack of financial planning, which is the fundamental reason why consumer spending is often out of control. Therefore, in addition to controlling expenses, it is also important to save money every month. For newcomers with a monthly salary of about 3,000-4,000, they should be required to control the most basic necessities within 40%-60% of the monthly salary and force themselves to save the rest of the money.
It is suggested that at least 1 0,000 yuan be paid out every month and deposited in the bank time deposit, and the remaining demand deposit in the salary card is around10,000 yuan. The deposit method can be considered as twelve certificates of deposit (that is, deposit a sum of money in the bank every month with a fixed term of one year for twelve months, and you will get a lot of regular income every month from the first month of the following year), lump sum deposit and withdrawal, etc. And the profit you can finally get is higher and more cost-effective than the bank demand deposit.
Reasonable use of credit cards Many people want to be independent as soon as possible when they first enter the workplace, and they are not dependent on their families financially. When they need liquidity, they will use credit cards more frequently. Although the credit card is convenient, it must be used reasonably, paying attention to the interest-free period and your ability. Credit cards can be used to help tide over the crisis of cash shortage, and there are other uses.
The average bank's interest-free period is 50 days at the longest and 30 days at the shortest. Using the interest-free period, you can put the money you bought in the money fund and earn some pocket money back. In addition, the central bank has opened a credit information system, so anyone who has had a credit relationship with a bank will leave a credit record in the bank's personal credit information system. For customers with good credit records, banks will provide preferential interest rates when handling loans such as mortgages. For customers with bad credit records, banks are likely to refuse large loans, so credit accumulation is also a lot of wealth.
I remind you that although credit cards can bring convenience to our lives, at the same time, credit cards can easily lead to excessive consumption. Once the repayment is not timely, it may leave a bad credit record, which will adversely affect future loans.
Work hard and accumulate more money. In addition to "throttling" to control expenses, "open source" is also very important to increase your income. Financial management is not only as simple as controlling expenditure, but more importantly, it is necessary to have more spare money, and the most practical way to accumulate more spare money is to earn more money.
There are two ways to earn more money: one is to work harder and see how hard you can get more bonuses and get a quick salary increase. If the salary can't be increased, then find a part-time job and increase new financial resources without affecting full-time work. In my spare time, I will play games, follow dramas, brush videos and do something more valuable. On the one hand, the area is tired of relevant knowledge, on the other hand, it can increase income. Why not?
No matter how much money you can save every month, don't be too little. In the early stage of financial management, the awareness and behavior of financial management are very important, but the amount of financial management is not important. Cultivating financial behavior is the primary task in the early stage of financial management.
Learning financial management knowledge and properly investing in personal financial management is a lifelong matter. The sooner you learn financial management knowledge and understand various investment channels, the better it will be for future wealth appreciation. It is suggested that newcomers in the workplace read more books on financial management and investment, or watch more relevant video courses to deepen their understanding of financial management and the concept of investment risk management and control.
For those who have no investment experience, they can start with bank financing and money funds. You can find some safe and stable wealth management products for investment, such as Yu 'ebao, Coinlink, Coinlink, Yu Bao Li, Licaitong, and wealth management products of JD.COM Wealth Management Bank. When wealth has accumulated to a certain extent, you can also try to allocate some fixed-income products, which are not only safe and stable, but also get higher returns. If your risk tolerance is strong enough, it is also a good choice to try to buy stocks and funds with a small amount of money. What are the top ten investment and financial management platforms >>
Persist in learning, stay healthy and get the highest rate of return. The biggest capital of newcomers in the workplace is youth, which has great potential for future development. For these young people, entering the workplace for the first time is also the best time to learn and improve their personal abilities. Learning more knowledge and mastering more skills can improve your competitiveness, and the success rate of promotion and salary increase in the future is also greater.
It is not only important to study, but also important to keep healthy. After all, health is the capital of the revolution, and good health can make life choices more possible. Even if the company has purchased social security, once it is seriously ill, it will cost a lot of money, and life and work will be affected. Therefore, staying up late less and exercising more, developing good work and rest and eating habits, and keeping healthy are the ways to accumulate wealth with the lowest cost but the most amazing returns. Details >>
Misunderstandings of financial management of newcomers in the workplace Many newcomers in the workplace have certain misunderstandings about financial management, and even become a forbidden area for many people. The most common ones are as follows:
Generally speaking, people who are new to the workplace may not earn too much unless their abilities are particularly outstanding, but they still have to cope with living expenses such as food, clothing, housing, transportation and communication. It is not easy to do it without moonlight, and it is even harder for them to save money and manage their finances. They often think that financial management is something that the rich can do, so there is no need for Qian Shengqian to invest money, because they have little income and no money left.
If you have such an idea, it shows a lack of understanding of the concept of financial management. Financial management is not the privilege of the rich, but something closely related to everyone's life. How to manage money with more money, how to manage money with less money, and how much salary can't be an excuse not to manage money. Financial management is a kind of thinking, a kind of money attitude, a kind of life collocation and planning.
Money is earned, not sorted out. Young people who have just entered the workplace will have great growth in the future. Improving one's ability is indeed the best way to achieve the goal of promotion and salary increase, but it does not mean that the more money you earn, the more wealth you accumulate and the better you manage. Many young people with a monthly income of tens of thousands are moonlight clan, even negative assets, but some people can save a lot of money with thousands of quick money. Therefore, the ability to make money is important, but it is equally important to know how to manage money.
In fact, most people's wealth accumulation is obtained through the first bucket of gold, but many people still think that financial management is simply to tighten their belts, otherwise they can't save money. In fact, this concept is too one-sided. The original intention of financial management is to better plan money income, help yourself balance and match life and money, and find a more cost-effective lifestyle.
Financial management is to buy financial products. Financial management is the wealth of a lifetime, a kind of thinking and a plan of life. It is not simply equivalent to buying financial products. Buying wealth management products is just one of the ways to manage money. Financial management is as small as a cup of coffee to a real estate, not just a simple purchase. When it comes to buying wealth management products, everyone has different capital and risk tolerance at different stages, and the wealth management products they choose to buy are also different. The ultimate goal of financial management is not to buy all kinds of financial products, but to help yourself better achieve your life goals and live the life you want.
Many people think that debt and financial management are opposites. They hate debt very much and blindly stay away from it. But in fact, not all liabilities are bad, so we need to pay attention to a very important concept, benign liabilities and malignant liabilities. The so-called benign debt is the debt within its own ability, and the vicious debt is the debt that is seriously beyond its own ability.
For newcomers in the workplace, proper debt can help stimulate work motivation. For example, learning a skill, improving one's own ability, or investing in a project that has just made a splash and turning debt into better income are all investments. But we must bear in mind that the risk of debt should be controlled within our own ability, and we should not blindly or rush for success.
Precautions for financial management of newcomers in the workplace need to be cautious when purchasing financial products. Newcomers in the workplace must be very cautious when choosing wealth management products, and cannot pursue income excessively. First of all, they should consider the safety of financial products to ensure the safety of principal. At the same time, we must also ensure that wealth management products have high liquidity to cope with major accidents and diseases. For this reason, semi-annual and one-year time deposits and short-term RMB wealth management products that can be terminated in advance are undoubtedly a suitable choice.
Avoid managing money for the sake of managing money. For newcomers in the workplace, the earlier they start to get in touch with financial management, the more helpful they will be to their lives. Contact investment and financial management as soon as possible. The earlier you read financial books, the more you can enlighten financial businessmen and buy low-risk financial products. This not only allows us to get in touch with the field of financial management as soon as possible and learn the skills of investment and financial management, but also allows us to plan our own financial management and life goals as soon as possible and realize our life goals faster.
However, in real life, some people are obsessed with reading all kinds of financial posts every day, paying attention to all kinds of financial news and WeChat official accounts, for fear of missing the information about investment and financial management. In fact, he has been kidnapped by wealth management. He is not managing money for his life, but for managing money. This kind of rigid thinking may not only affect one's own job, but also make one fall into a financial trap.
It is a combination of theory and practice to recommend financial books for newcomers in the workplace. Learning more financial knowledge to arm your mind is conducive to the smooth development of financial planning in the future, and you can also avoid many detours. It is suggested that beginners and newcomers in the workplace read more books on financial management, which can make them suddenly enlightened. Bian Xiao carefully recommended the following valuable books for your reference:
10 required financial books >>