How does everyone manage their finances?
Thread Content
I just graduated three months ago and have only recently started working. I now have three months’ worth of salary saved. As the saying goes, \"If you don’t manage your finances, they won’t manage themselves.\" So I would like to ask those who are more experienced: how do you manage your finances?
Managing finances is simple: ensure you have enough money for daily expenses, save any excess in a current account for emergencies, and use further surplus to invest in funds, stocks, futures, etc. You can also attend lectures on financial management.
First of all, one should live within their means; it’s good to be able to invest as well, but in any case one shouldn’t spend money they don’t have
One can follow the financial management methods of those around them; planning to manage one’s salary three months after graduation is a commendable attitude towards financial awareness.
Hehe, starting to manage finances so early – what foresight!
It’s great to start managing finances just after three months. . I still don’t know how to manage my finances. . . I usually save money on Taobao, and when I need money, I withdraw it. . .
Thank you, senior! After all, I’ll have to get married someday, so I might as well start saving now! Hehe. . .
I also keep money in Yu’ebao and ZhaoCaiBao at the moment, but I always think that you shouldn’t put all your eggs in one basket; what if Alipay gets hacked one day? Then all my hard work over the years would be for nothing.
To get married in the future, it’s necessary to lay a foundation first; after all, one can’t rely solely on the family. One should try to save some money on their own, and ask the family for more if that’s not enough. It’s not easy for parents either to save money. . .
Hehe, thanks for the compliment, senior!
Thank you to the moderator for the reply; it makes a lot of sense. I also make a plan for myself every month, noting down what I should spend on and what I shouldn’t, in a little notebook. . .