3000Can one manage finances with just one yuan? Boosting knowledge!

The landlord just graduated last year and received a monthly salary after becoming a regular employee5000I basically just got it4500After paying the rent, water and electricity, all I have is left in my hands3000Yuan, always thinking about putting this3kMake the most of your money, but basically there isn't much left every month.
This situation lasted for almost half a year, until when I returned home for the Chinese New Year this year, I found that I had been working for half a year and was penniless. Don't mention that awkward feeling... So when I came back after the New Year, I started reading various financial books, hoping to find a suitable financial management method to improve this situation.
After spending more than half a month, the landlord summarized the following points:
Firstly, one should learn how to allocate assets. Personal savings should be divided into three parts
First copy:Emergency money,6Living expenses from one month to one year, deposited in the bank,Current, term, or money market funds. Of course, the landlord, along with the Chinese New Year money he received from returning home, is only a little over 10000 yuan in total. He definitely won't go to the bank to deposit it, so he will put some of this money in Yu'ebao and some in Damai Wealth Management.
Second copy:Life saving money,Three to five years of living expenses,Fixed deposit, treasury bond, commercial endowment insurance. It should be breakeven without compensation,Something that only knows more and not less. This is the plan of the landlord, as there is currently no money available~
Third copy:Idle money, money that is not used for five to ten years,Only this kind of money can buy stocks,Buying funds,Doing real estate,Or start a business together with friends,To make this kind of investment,So it must be idle money. The landlord is still far from the day when he has free money, but why not have a plan first?
Secondly, increase salary income. For office workers like the landlord, there are only two types of income: work income and financial income. Once you have the capital for financial management,We can't just rely on work income anymore,We should gradually increase the proportion of wealth management income in total income.
So the landlord's approach is to come back after the new year and work harder, striving to apply for a salary increase after one year of employment. After all, only with achievements can one feel embarrassed about a salary increase, right?
Furthermore, it is important to reduce the chances of chopping your hands. The landlord has noticed that putting money on Yu'ebao can lead to a phenomenon where you unknowingly spend your money! So the landlord decided to put all the money in barley finance,11%The annualized income is quite good, and it also allows me to have mandatory savings!
The landlord plans to invest in Da Mai Wealth Management every month after receiving his salary, which is also a habit of mandatory savings. It can save money and earn profits, so don't be too happy, okay!
After tossing and turning for half a month, the landlord has done it well for himself2017The next step in the financial planning for the year is to follow the plan step by step, and by the end of the year, we will definitely be able to get rid of the moonlight clan!