The Chinese New Year is coming soon, and many people have paid their salaries, paid year-end bonuses, and have money in their pockets, and go home happily. However, during the festival, you must control your consumption, here is a "three, three, three" method, that is, it is best to divide your salary and bonus into three parts.
The first part, which is about one-third of the income at the end of the year, can be put into a fixed savings for the big four banks. Some people must say that the interest rate of regular savings is too low, telling you not to underestimate the interest of the bank, in the current economic environment, bank deposits are the only financial management that can give you guaranteed principal and interest within 500,000, which is the safest way to manage money.
The second part, which is also one-third of the income at the end of the year, can be put into Yu'e Bao or Coin Pass, which is used as a daily necessity for families and children. For example, children's school supplies, family food, drink, and electricity bills, etc.
The third part, which is the remaining third, can be used for holiday travel, fun, life, and holiday fun. However, if you have a car loan or a housing loan, it is recommended to further reduce the cost of travel and entertainment, try not to spend too much, and ensure that it is within the reasonable consumption range that you can afford.