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For young people who are young in their early years, the common trouble in financial management is nothing more than lavish spending habits.

Often the salary is bottomed out, and there is no surplus in the month.

This seemingly unrestrained spending is not conducive to the development of personal career, nor is it conducive to family life in the future.

Therefore, it is very necessary to form a good habit of spending money.

1, planned economy

The monthly salary should be well planned, where to spend and where to save. Monthly 1/3 or 1/4 should be fixed into the personal savings plan.

Although the reserve accounts for a small part of wages, in the long run, there will be a lot of money in a year.

Savings can not only be used to purchase some large items, such as computers, but also for personal charging, learning and tourism.

In addition, you can make a personal financial statement for yourself every month. For large expenditures, the overspending part is reasonable. If unreasonable, it can be adjusted in the next month's expenditure.

2.

At the same time of consumption, we must form a good sense of investment, because investment is the best way to increase value.

According to personal characteristics and specific circumstances, we should make corresponding investment plans, such as stocks, funds, collections and so on.

This diversion of funds can help you curb wasteful spending habits.

Of course, we should remind ourselves that we should invest in small investments when we start to experience less, so as to reduce investment risks.

3, choose friends.

Your social circle will affect your consumption to a large extent.

More friends who are not spending money and who have good habits of consumption should not only pay those friends who are fashionable to spend their money in order to seek fame.

Regardless of their actual consumption ability, blind comparisons will only lead to fiscal deficits, and reasonable consumption should be made according to their own income and actual needs.

When you associate with friends, don't set up a generous image for your friends in the face of friends, such as entertaining meals and entertaining activities.

The best way to do this is to take turns to sit in a private place, or to practise AA.

4.

Most young people like shopping, and it is difficult to control their consumption desire when they go shopping.

So before going shopping, think about the main purchase and the approximate cost, cash not to take more, and do not casually consume the card.

Do not blindly shop, buy something that is not practical or temporarily unused, resulting in idle.

5, improve shopping Art

When you shop, you should learn to bargain, compare goods to three stores, and try to get the items you want at the lowest price.

This is not a petty mood, but rather a mature consumption experience.

It's a good shopping opportunity for businesses to change their season. But be careful, you should buy some generous, easy to wear clothes, and don't create virtual places.

6, less participation

Prize promotion, lottery, raffle and other activities are easy to stimulate people's luck, making people have a gambling mentality, so it is difficult to control their desire to spend money.

7, pragmatic love

In adolescence, love is a great expense.

Men and women who are in love always want to further strengthen their feelings with flowers, gifts or places such as hotels and cafes, especially men. They especially care about their faces in front of their girlfriends. Even if they are shy, they will not be willing to blow their face and fat. But don't think that the more money they spend, the more they can represent their feelings towards their lovers. Based on money, they will make their economy tense in the long run, and at the same time, they will virtually feel pressure on the other side and affect the judgement of love.

If Dan split up, even if there is no economic dispute, it will make more investment parties suffer greater economic losses.

In addition, your extravagance can sometimes produce negative effects, such as leaving your parents and their parents with no impression of being practical and not living.

If you send lovers not to seek fame and luxury, you should consider the preferences, needs and financial abilities of your partner. As long as you are sincere, a rose is not less than the love of 999 roses.

8, no fun.

Most young friends love to play, sociability, proper play and communication are necessary, but be sure to spend time. Don't idle away your time in mahjong tables, cinemas and dance halls.

Play is not only sad but also easy to consume money.

We should cultivate and explore our various strengths and interests, strive to start businesses, and accumulate more money making ability and capital at the same time of consumption.