How to save money for the first jobber ✨💸
Come to share how to collect money for us with how much money to spend almost, how much to keep, secretly borrow yourself all the time, still good to return in time, now have money to collect with him (12)
Trick and Trips! · - ♥
1. Always store before use.
First, when you get your monthly income, you will collect and invest 30%. The other 70% is used to eat and travel, send money to your home, pay for any condo. 30% of which we will deal with this.
💰 Deposit with hospital cooperative (stable, long-term, good dividend)
Because we work in the hospital, there are regular cooperatives. When the salary goes out, the cooperative will automatically deduct the amount of money. This money will be difficult to withdraw and get a good dividend. Friends try to study and apply for the cooperative of their own agency.
💸 Emergency reserve purse (emergency spending only)
Generally speaking, we know that the contingency reserve will be at the monthly income x6. For us, this money is very difficult. Therefore, there is no need to have a reserve bag for 6 months and then invest in something else. For us, we think that it can be gradually collected. Otherwise, lose the opportunity to invest money in something else.
💶 finnomena app fund (stable, long-term, dividend)
The fund will be replenished every month (DCA). We will choose the funds of the American stock market, currently holding only three: B-innotech, K-USXNDQ-A (D), SCBS & P500, + 14.77% return, and also receive dividends. It can be called winning inflation.
📈 Stock America, DIME App! (Little-Medium Risk, Long-Term)
We started investing in dime apps, filling every month regularly, but did not focus on buying at the defensive end. In the first year, we arranged the portfolio by buying only large stocks, low risk stocks, including stocks with a lot of dividends, but at the end of the year, it was found that the port did not grow as much as needed, so gradually adjusted the portfolio, causing some medium-high risk stocks to enter the port. Currently, + 29.4%, 1 year and 6 months of port life.
🚀 stock America app we bull (medium-high risk, short term)
After a year of knowing and learning about the stock of America, we decided to try to open more portfolios in the we bull app, focusing on buying and selling short-term stocks, not even day trading, but holding up to a month, then sell off at a satisfactory profit. Currently, + 32% 3 months portfolio life.
📔 Savings insurance
Do it for tax deduction and have your own insurance (with 2 other life insurance) because we are a family pillar. If anything happens, it will not make people at home difficult too. Savings insurance, we do 5 / 10, 5 years deposit, complete 10, get a sum of money. It is considered a long-term deposit.
2. Stop borrowing money yourself ✨
This is very important, but it is very difficult to do, so we do not really keep the money with us. Get the money, then quickly divide it, distribute it and share it in the app, make and invest the money immediately. If you want expensive things, you will think and think again because you do not want to withdraw shares. It is a discipline for yourself.
3. Accumulate knowledge before accumulating money ✨
Many times, we will see friends and brothers like to ask how to start playing stocks. But when we tell us to explain, we don't really follow each other. Therefore, the first thing we want people to practice collecting money to start doing is to set goals and know the risks themselves first. If very little time, there is no time to go to see stocks, buying funds, then DCA is mainly suitable for you. If you have a little time, maybe playing stocks, or if you have a lot of time, maybe playing stocks or something else to make money grow.
📌 set goals > know your own risks before investing > choose to invest
And when we come to conclusions for ourselves and start to find out, do our homework before putting money in, do not be greedy, do not be afraid, however, do not dare to enter the field, do not need to know everything, can invest, just limit your risk to yourself.
For example, the case in which we work does not have much time, but there is some time, so choose to play stocks that do not have to watch the graph all the time, buy a defensive line and focus on holding a long time, diversify to collect money in other channels, etc. ()
Financial matters are not in the course, so I would like to introduce the first jobber. Gradually apply what we wrote today to continue to find out. Don't forget to learn about taxes and insurance as well. Very important 💪🏼. And if you have a question or suggest something, you can comment on it. We have a lot to learn. Thank you for reading until the end.
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