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说起赚钱与理财，可能很多朝九晚五的上班族会有这样的感慨:“没钱哪有资格谈理财啊?”殊不知，理财投资并不是有钱人的专利，它与每个人的生活休戚相关。 事实上，无论贫与富我们都要学会理财，这样才能更好地经营财富与人生。
作为一个处于事业奋斗期的上班族，可能你的薪水还不够丰厚，每个月的各项开支和日常花销也让你不堪重负，但养成良好的理财习惯，你会发现上班族也可以有自己的赚钱之道，也可以变得富有。
放眼芸芸众生，真正的富人毕竟只占少数，与其怨天尤人、自怨自艾，倒不如从小事做起，靠思考与智慧实现致富目标。 上班族完全可以凭借自身优势和特点总结出自己的理财之道。 当你驾轻就熟地掌握好自己的资产，慢慢地“聚沙成塔”，你也就自然“翻身”做富人了。 以下是理财专家为上班族提供的一些赚钱之道:
1.有计划地消费
无论你工薪怎样，都要学会合理规划，理财的目的是让将来的生活更有保障。 上班族不能妄自菲薄，把理财看成是有钱人的事，没钱更要理财，把自己有限的资金打理好，你才会生活得更好。
无论购物欲望多强烈，都要按计划消费，给自己每个月的消费制定一个“封顶数”并严格遵守，保持这样健康的理财习惯，几年之后自然会让你大有收获。
2.分散资金结构
如果在消费之余已经小有存款，建议别让钱躺在银行里“睡觉”，可以做一些适当的投资，按照自己的风险承受能力分散资金结构，尝试多种投资方式，在保本的基础上进行投资增值。
这不是一件简单的事情。 如果实在缺乏相关理财知识，也可以委托专业人士帮忙设计适合自己的投资方式作为参考。
3.一定要备有家庭急用金
每个人的生活都不可能一帆风顺，没有意外发生。 按照常理来说，上班族往往要应付很多事情，常常有一些不时之需。所以聪明的上班族，最好手头备有相当于自己三个月到半年工资的家庭急用金来应对一些突发状况。
储备家庭急用金很多时候不仅仅是一种生活习惯，更是一种未雨绸缪的生活态度，它将助你生活得更顺利。
4.尽量避免负债，提高家庭总资产净值
提高个人或家庭总资产的净值十分重要。 而通常意义上，提升净值最直接的方法就是尽量避免负债，无论是房贷、车贷或其他消费性贷款。尤其要注意信用卡，不可轻易透支，如果不熟知其中规则，就很容易掉进各种刷卡消费的陷阱。
如果实在避免不了出现负债，也要谨慎考虑，精打细算，找出最划算实际的还债方式，在不背负过重压力的前提下熟练理财，轻松生活。
5.养成强迫储蓄的习惯
俗话说:“万寸高楼平地起。”聪明人都知道理财的第一步就是储蓄。 对每月都有固定收入的上班族来说，一定要从每个月的工资里拿出一笔钱存下来作为以后投资的资本，有时有钱才能赚钱，这也是加速资产累积的一种重要方式。
养成强迫储蓄的习惯，再加之以合适的储蓄方式，很可能在积少成多的复利中让你获得一笔可观的收入。 这样不但为你未来的生活提供了一定保障，也让你更有自信和动力。
6.把钱花得更聪明
现在上班族中出现了越来越多的“抠门男女”，虽说是金融危机情况下经济不景气造成的恶果，却也有一定好处，他们学会了如何把钱花得更聪明。 在长期有计划的消费过程中，他们养成了货比三家、克制购物欲望等良好的消费习惯，避免了滥刷信用卡、负债度日等尴尬。
学会把钱花得更聪明，不仅能抑制过度消费，也让上班族更能体会生活的艰辛从而珍惜现在拥有的一切，同时又增添了一些生活的厚实感和幸福感。
7.开创自己的副业
某些上班族可能有些闲钱，且有自己的爱好，但苦于没有时间，往往放弃了爱好。 其实如果有兴趣，不妨尝试开创自己的副业。 或者在工作之余从事一些自己喜欢的工作，或者当一回甩手掌柜，与人合作进行投资创业。提前是务必达成合作协议，分清各自的责、权、利。
这样不但能让你增加收人，很多情况下还能让你体会到管理的艰难，从而更好地配合上司或老板的工作，在主业上也有
有所突破，这样一箭双雕，何乐而不为呢?赚钱是一种本事，只要用心，谁都可以。 为生计奔波的上班族，也可以选择一些适合自己的赚钱方式，在增加收入的基础上，寻找投资和生活的乐趣。
领取最新办卡资费，添加 微信：sjzqb888 备注：办卡！
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没有大资金投入，干这2个生意也不少挣，销路好找，比起打工自由
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2023年3月19日 am11:34
夜市摆摊套圈，挣不挣钱？到最后我心动了
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2023年3月19日 pm4:34
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大学生的课余时间是非常多的，利用这些时间，我们可以去做点小兼职赚点零花钱，既可以补贴生活费，又可以获得不一样的生活体验。 现在大学生完全可以不用去大街上发传单，或者去咖啡店当服务员…
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2023年创业首选什么项目好？开室内游乐场优势？儿童乐园利润分析
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近年来，随着人民生活水平的提高，儿童消费支出占家庭消费支出的比重越来越高，对儿童的教育和成长提出了更高的要求。 当前，室内设计儿童乐园行业发展前景研究越来越具有广阔，投资火热，不少…
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关于工程的副业（工程类有什么副业）
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大家好我是八方天！ 与所有工程人畅谈过往，探索建筑行业新出路！ 千万记住：一切报价的目的都是为了进入这个项目，而不是为了利润。（利润是你得进入这个项目后的管理和运作产生的）。 在大…
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宝妈首选副业，开启人生新起点
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1.时间自由 2.低投入 3.自己孩子也收益 4.操作简单，半小时上手
