How Do Post-90S Job New People Plan?

< p > the author interviewed some "post-90s" newcomers to see how they plan their own "money road" and tell their financial stories.

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< p > < strong > focusing on long term financial management < /strong > < /p >

< p > < < a > href= > http://xm.sjfzxm.com/ > > 90 > /a > job newcomer Li Xin, who lives in Xiao Dong Street, Central District, was born in 90 years. After graduation, he returned to Neijiang. She applied for finance in a private enterprise, and entered the workplace for a trial period of 1800 yuan, and 2500 yuan after the correction.

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< p > parents have housing in the urban area for the next housing rent in Li Xin Province, and there is no pressure on them. She will manage the use of wages from stages to stages.

First of all, there is no need to save money or save money in a happy period.

In the first two months, she planned to spend money in order to enjoy money, but not to save money.

The first thing to get paid is to invite friends to dinner, buy a souvenir gift for their parents, and buy some office clothes for themselves.

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< p > starting from third months is the period of convergence, and the rational distribution of money is spent consciously.

To this end, Li Xin downloaded a < a href= "http://pop.sjfzxm.com/popimg/xm/index.aspx" > mobile phone software < /a > "with notes", recording every expense, sorting out the whereabouts of every penny, and having a binding force on herself.

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In October P, Li Xin has been on the right track. She has started a long-term plan. This is the rational period she set for herself. This will be a long period.

Stepping into the a href= "http://cailiao.sjfzxm.com/" > workplace < /a >, in a twinkling of an eye, not as pure as the students' age, she was faced with a series of life events, such as love, marriage, child birth, child raising, and so on.

As a result, she gives short-term planning and long-term consideration, and plans to get advanced accounting certificates in the shortest time through the best efforts, so that she can have better promotion space and more choices.

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< p > < strong > both province and /strong > /p >

After P graduated from University, Wang Mei found a Chinese foreign joint venture executive in Neijiang.

Li Xin, who lives in Shengli town of Dongxing District, is not exempt from rent. Unlike Wang Mei, she can share the rent with her colleagues in the downtown area near the company. The monthly payment is 300 yuan, plus Internet surcharge, water and electricity and living expenses. It will cost about 1200 yuan, the premise is to save food and frugal.

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< p > she has a higher salary in new recruits, with a monthly commission of about 3000.

Wang Mei divided the salary into three parts, 1500 yuan for expenses, and 500 yuan for her mother. The mother used or saved herself for not asking questions, and 1000 yuan Wang Mei intended to invest.

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< p > 1000 yuan can invest in what? Stock market, gold and what do not know.

With limited funds, Wang Mei finally decided to invest in eggs by helping his classmates and friends.

She said, "eggs can't be put in a basket. I just want my eggs to be broken, and they can be thrown out one by one."

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< p > originally, there was a chicken farm in Wang Mei's friend's house. Wang Mei thought about his own situation. Now his job can not be resigned. A sideline is necessary after work.

Through market research, Wang Mei decided to invest in eggs. With the support of friends, she sold eggs at low price to Wang Mei. She contacted restaurants, cake rooms and other customers regularly to send eggs to them. Although small profits and small profits also earned more income, with the increasing number of tourists, they believed that they would do better.

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"P >" Wang Mei said, most of the administrative work is more mechanical (market area), very easy to deal with, in the serious completion of the work, I am now also studying stock, learning stock knowledge, and then try to buy some stock, but before this, we need to accumulate more economic knowledge, so that more accurate eyes will come down.

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< p > < strong > industry: wealth management is not a patent for wealthy people < /strong > < /p >

< p > in the group of people interviewed by the author, not all of them have plans and goals for themselves as Li Xin and Wang Mei do.

Others have misunderstandings about financial management. They think that wealth management is a matter of rich people.

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Wang Feng, who is engaged in trust work, puts forward that the modern economy has brought the "financial management era". Some people often avoid the financial problems that are closely related to everyone's life with the excuse of "no concept of numbers" and "inborn financial management".

Financial management is not a patent for wealthy people. Everyone can manage money. They must manage their finances. If you do not manage money, money will not take the initiative to manage you.

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< p > Wang Feng suggested that for young people who are just beginning, no matter how much money they have, they must establish a sense of financial management.

Bookkeeping is a good habit. In addition, there must be "forced savings" action and perseverance. This is the starting point for accumulation of financial capital, so we can't wait for surplus to save and plan again.

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< p > for those who have surplus for investment, if they are out of society and lack of experience, they need to accumulate experience and not to follow suit. First, they should measure their financial status and success or failure, so that they can do their best.

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