New Business People Can Save A Lot Of Money.

Young people should plan their consumption of life necessities and high-end durable goods reasonably.

Credit card consumption should be based on income rather than the amount of credit card.

It is suggested that a portion of the monthly income be saved as a good financial habit.

In the graduation season, according to the annual report on the quality of employment of college graduates in Guangdong province released by the provincial education department in 2015, the average monthly salary of Guangdong graduates' initial employment is 3130 yuan, an increase of 240 yuan over last year, of which the average monthly salary of Dongguan graduates is 2897 yuan.

Jiang Guodong, a professional financial planner and director of Dongguan Guangdong perfume capital, suggests that young people should spend their money on rational planning of life necessities and high-end durable goods.

Credit card consumption should be based on income rather than the amount of credit card.

It is suggested that a portion of the monthly income be saved as a good financial habit.

A total of 82 valid questionnaires were collected, of which over 60% indicated that the monthly income was more than 6000 yuan.

42.68% of respondents said their annual income ranged from 100 thousand yuan to 200 thousand yuan, while less than 10% said their annual income was less than 50 thousand yuan.

It is reported that the ranking of income sources in turn is wages, financial management, part-time jobs and others, of which wage income accounts for 93.9%, and it is also the main force of fresh income in the workplace.

The survey shows that the income of office workers after graduation for 5 years can basically cover daily life, but it seems to be slightly worse in saving money.

According to the data, less than 1/4 of the people will earn more than 40% of their income, while only 60% of them will account for 6%.

Zhu Lin, who works in the media, has graduated for 4 years. She recalled that when she joined the work, she said she was miserable.

The first year's salary is only 3000 yuan. At that time, although no rent or monthly "Moonlight", in order to save bank points, she opened 3 credit cards at one go.

"I wanted to take the first year anyway.

It is not high enough to survive and simply spend it all. "

She also said that holidays would use credit card staging functions and friends to travel abroad.

Such a highly indebted life had lasted for half a year, and she suddenly found herself without reserve funds.

During the interview, many people who worked in the workplace for less than 5 years had similar experiences with Zhu Lin.

Small businesses, who are engaged in foreign trade work, say that income seems to be proportional to consumption and it is hard to save.

"When I earn 10 thousand every month, after all kinds of expenses, there is little left, and then I earn 15 thousand yuan a month, and I have to pay more for my mortgage and car loan than before."

In this regard, financial planners suggest that on the consumption of goods, we should first understand the proportion of daily necessities and high-grade durable goods in their lives, and then make reasonable consumption planning.

Credit card consumption should be based on income rather than the amount of credit card.

In addition, a part of the monthly income can be taken as an accumulation, which will help to develop good financial habits.

To buy a house is to make life more comfortable, so before buying a house, it is necessary to measure whether the current assets are enough to support themselves through the long mortgage life.

If not, you can consider renting a house first, or when you have enough strength to deploy the property again.

It's also a new workplace.

Zhou Min can save half of her income. She says her experience is bookkeeping.

She said her bookkeeping career began in high school and lasted for 10 years.

"All the expenses are clear from the" lucky money "from childhood to the cost of college life and then to the wages and year-end awards.

"Accounting can see the flow of funds, and then more reasonable arrangements.

"

According to the bill, Zhou Min can reduce unnecessary expenses as much as possible.

"For example, entertainment consumption is too high for a month, and entertainment items will be converted to some free parks or suburbs next month."

She says her principle is to save money but not to make life fun.

Small coke, who works in government institutions, has become a well known financial manager because he is good at investing and managing money.

His experience is that after the first year of work, the monthly salary is divided into three parts, 50% mandatory storage, 20% emergency funds, and 30% daily consumption.

In terms of consumption, little coke has only one credit card, but basically no use, nor Alipay.

He insisted on paying in cash and thought it would be easier to control his money.

Before making purchases of large items, plan ahead and share the consumption of large items in a few months.

After working for a year and a half, he had the first 100 thousand yuan. After that, he made some adjustments to his income plan.

50% is still fixed, 30% is still consuming, and the remaining 20% is starting to touch on venture capital such as stocks.

Because of catching up with the bull market, Xiao Jiao had 200 thousand yuan assets in third years of work.