First, live within our means and master the financial situation. Singles must first set up financial management files, record the income and expenditure for one month, and see where the "spending money like water" flows. Then we can analyze the expenses, which are essential expenses, which are dispensable expenses and which should not be. As the saying goes, "Money is a man's courage". If you have no money or earn less, your desire for consumption will naturally be small. With money in hand, the desire for consumption will expand immediately. Therefore, singles should control their consumption desires, especially reduce the "dispensable" and "unnecessary" consumption month by month. At the same time, you can use the salary passbook to open online banking, check the balance at any time, know your own funds like the back of your hand, and adjust your consumption behavior according to the balance of the passbook at any time.

Second, compulsory savings and gradual accumulation. After the salary is paid, you can open a zero deposit and withdrawal account in the bank first, and pay the salary every month. First, you should consider the bank deposit; If the deposit amount is large, you can also deposit a one-year certificate of deposit every month, and you can accumulate 12 certificates of deposit after one year, so you can withdraw money very conveniently when you need it. In addition, many banks now provide "one card" service, which can be authorized to banks. As long as the amount of the salary passbook reaches * * yuan, the bank can automatically convert a certain amount into a time deposit. This "forced saving" method can help you get rid of the habit of spending money indiscriminately, thus accumulating personal assets.

Third, take the initiative to invest, kill three birds with one stone. If the value of local houses is moderate and the real estate has certain appreciation potential, you can apply for mortgage loans and buy commercial houses or second-hand houses. In this way, the principal and interest of the loan must be repaid first every month, and the disposable funds can be reduced, which can not only change the bad habit of spending money indiscriminately, save the expenses of renting houses, but also enjoy the benefits brought by the appreciation of real estate, which can be described as killing two birds with one stone. In addition, it is worthwhile for singles to invest a certain amount of money in national debt and open-end funds every month.

Fourth, do it yourself and have plenty of food and clothing. Just like Zhang Ting, eating fast food and restaurants is a common problem for some singles, and their expenses sometimes account for one-third of their monthly income. Singles are advised to buy some simple cooking books to learn cooking knowledge and buy necessary cooking utensils. After work, they can buy their favorite vegetables or semi-finished food for processing, which not only saves money, but also develops a skill and enjoys the pleasure of "doing it yourself and having plenty of food and clothing".