How do young people learn to manage money?

Most young people who have just entered the workplace have low salaries. You have to spend money to eat, pay rent, make friends and have fun. With so little money, many young people themselves don't understand how to become a "moonlight clan" or even a "neet clan" because they don't know how to manage their finances scientifically. "At this rate, how can I buy a house, a car and a wife?" Many people sighed helplessly. It seems that it is really important to learn how to manage money. People with more money should manage their finances, and young people with less money should know how to manage their finances. Some young people are very clever. Although they don't earn much money, they live an orderly life. Simple financial management: Xiao Li, working in an enterprise in the development zone, graduated from June 20 10. As a new employee, her monthly salary is only 1800 yuan. Xiao Li is a cautious person. After paying his salary every month, he first keeps food and rent as special funds, and the rest of the money can be used freely. Even so, a few months later, my bank passbook is only a few hundred yuan, which is not enough for traveling or learning to drive. In the second half of last year, Xiao Li's salary rose to 2200 yuan, and he started his own savings plan, gradually increasing the amount of bank deposits. First of all, she made a monthly budget for her income, and divided 2,200 yuan into these parts: rent in 500 yuan, telephone and transportation fees in 300 yuan, meals in 500 yuan, clothes in 200 yuan, entertainment in 200 yuan, and the rest in 500 yuan. At first, Xiao Li was difficult to implement. Fortunately, Xiao Li feels that it is not easy to make money in other places. Now she begins to spend money and save money strictly according to the plan. Now, she has a certain amount of money in her passbook and many new clothes in her wardrobe. Xiao Li lamented that saving money is like squeezing toothpaste. As long as you decide to save money, you can always squeeze it out. Creative financial management: Every month, the small fund will vote for Miss Zhao to work in an advertising company in hang lung plaza, Xiaoshan. Miss Zhao, who went to work in August last year, earned about 2,500 yuan a month. Apart from the monthly rent in 600 yuan and the daily expenses in 500 yuan, she usually scrimps and saves, with a monthly balance of about 1500 yuan. In the past six months, the data in Miss Zhao's salary card is also small-scale. She seldom buys clothes and is nicknamed "a money saver" by her colleagues. Last month, Miss Zhao heard from friends around her that she now has to make a fixed investment in the fund every month to make long-term investment. Miss Zhao was eager to move after listening to it, and went to a nearby bank to inquire. Financial management is risky. Miss Zhao made an anti-risk assessment, and the result was that she was enterprising. According to the calculation results, the financial planner recommended several long-term equity funds suitable for this type of investment for Miss Zhao. Although there are risks, because it is a long-term financial product, and she is still young, the risks are even greater. Miss Zhao bought three fixed investment funds in one breath, each 200 yuan. The bank automatically deducts 600 yuan from the salary account every month. Investing in 600 yuan's funds every month is just a big cost for many people, but for young people like Miss Zhao, this monthly small investment plan is better than saving money every month, and there may be unexpected benefits in a few years. Long-term financial management: Gold invested in Xiao Chen, a college student village official, working for two years. At the end of last year, she just gave birth to a daughter and was promoted to mother. After working for two years, Xiao Chen's monthly salary is basically moonlight. Like Taobao, she scours things online when she has nothing to do, so it is not surprising that her salary is moonlight. "Families who have lost their independence" has become a nickname widely known in Xiao Chen's circle of friends. Since she became pregnant, Xiao Chen's money has suddenly been tight. She usually goes shopping less, online shopping less, and doesn't pay much attention to food and use. Chen Xiaosheng said that she would save money for her children to buy milk powder. My daughter was born at the end of last year. Chen Xiao heard from a friend that gold will not depreciate, and now it is popular for her daughter to use gold as a dowry when she gets married. So, she decided to buy some gold every month from now on, accumulate over a long period, and in the future, when her daughter gets married, she will have a considerable dowry. Xiao Chen has now made a fixed investment in gold, and the bank will deduct 600 yuan from the salary card to buy gold every month. According to the current market, Xiao Chen can buy less than two grams of gold in 600 yuan every month. When my daughter is in her twenties, this gold is almost half a catty. Expert: Young people should be different in financial management. The author consulted manager Guo, a financial planner of ICBC. He believes that the best way for young people to invest should be investment funds or gold. In contrast, the long-term income of the fund is more suitable for young people who have just entered the workplace. Manager Guo said that many young talents don't know what kind of fund to buy when applying for a fixed investment. First of all, when you buy a fund, you must first make an anti-risk assessment, and then choose a suitable fund company according to your personal risk tolerance. Funds are mainly divided into stock type, currency type, mixed type and bond type. Among these five products, equity funds are risky, but their long-term holdings are considerable, which can generally reach the average level of listed companies. Now the annual growth rate of equity funds is above 10%. Manager Guo believes that there are no best financial plans and financial products, only financial plans and financial products that suit him. Fund is a good investment channel, especially long-term fund investment, which is the best way to maintain and increase the value of funds.