The Money Management Bible for Twenty-Twenty Women

Chapter 3 part
Part 1 The new era of "requesting women" is to have money

Chapter 2 Money Management: The most useful modern fashion lessons for women in their twenties
The first section of financial management does not have a VIP card, you can enjoy star treatment with your heart

Financial management, in the eyes of many people, is only a matter for the rich. For low- and middle-income earners, financial management feels far away from them.And a woman in her twenties has just stepped out of school, her income is not very high, and there is not much left after paying all kinds of expenses every month. How can she have any qualifications to talk about financial management?In fact, the more poor people are, the more they need to manage money.

For you in your twenties, if you have 1 yuan, you may suffer property losses because you don’t know how to manage money. At this time, you may not even be able to take care of your own life. It is said that even if you lose half of your assets, it is far from a threat to your life. Therefore, financial management is not just a matter for the rich. The poorer the poorer, the more they cannot afford to lose, and the more they need financial management.

Some people think that they will manage money after they have money. In fact, financial management should start from the first income.Women in their twenties should not underestimate these small money, different ways of spending will produce completely different results.If you save 3 yuan a day, you can save 90 yuan a month, and you can save more than 1000 yuan a year.For everyone, 3 yuan can be saved for one less meal at McDonald's, one less trip to KTV, one less movie, and one less taxi ride, and it is more than enough.

Women in their twenties, no matter how much they earn, can try to deposit 10% of their monthly salary in the bank first, and "do not use it" and "only get in and out", so that they can accumulate more and be more convenient in the future. investment.If you save 500 yuan every month and open a zero-deposit and lump-sum withdrawal account in the bank, regardless of the interest, after 20 years, the principal alone will reach 12 yuan. Not to be underestimated.If you can make full use of more investment and financial management tools, such as investing in national bonds, funds or getting involved in the stock market, or opening a small store in partnership with other people, then you will get even more rewards.Of course, investment should also avoid risks. If you do not pay attention to the assessment of risks, blind investment will not only make you no money, but also make your hard-earned savings go to waste.

In fact, financial management should be divided into stages, and different stages should have different financial goals. For women in their twenties, financial management can be divided into three stages.

1 Period of schooling

At this time, you can first continue to accumulate knowledge about financial management, establish correct consumption concepts, don't blindly follow the trend, and take reasonable control of your pocket money as the experimental stage of financial management.

2 stages of entering society

At this stage, you start to have a fixed salary, gradually become financially independent, and can carry out pragmatic financial management operations.Young people at this stage are more passionate, so they can reserve a lot of funds at this time.Whether it is from investment or saving expenses, it is necessary to manage money reasonably.

3 The period of starting a family and starting a business

If there are no children at this time, and both husband and wife have fixed salaries, they can choose low-risk investments or start their own businesses.If you have children, you can choose a relatively stable investment method.

Women in their twenties can choose different financial management methods according to their own conditions, and make rational use of the money resources in their hands to maximize their effectiveness.Women should manage their own wealth from the age of twenties to lay the foundation for future wealth and life. Don't think that you need a VIP card for managing money. In fact, you can manage money as long as you put your heart into it.

(End of this chapter)