My girlfriend and I got a salary of 5000 yuan a month in Dalian! But I always can't save a penny. How should I manage my money?

1. Compulsory investment law, funds can make fixed investment or purchase income-based insurance to pay by installments, and even banks can deposit by installments.

2. Step-by-step savings method, such as saving for three years 1 10,000 in the first year, saving for two years 1 10,000 in the second year, saving for 1 10,000 in the third year and saving for 1 10,000 in the fourth year. This adds up to 20% higher interest income than annual savings. And the advantage is that when you need money urgently, you can withdraw the shortest deposit period and reduce the interest loss.

3. desire MINUS one. When you save money for shopping, when you save enough money, you can buy something with a lower grade, so that you won't spend all your hard-earned money at once.

4. Ignoring the extra income law, everyone will always have other extra income besides the fixed salary, such as subsidies, extra bonuses, year-end awards, etc. You can ignore these extra incomes, treat them as confiscation and save them all. In this way, you may find yourself with a lot of "windfall" in a few years.