With a monthly income of 14,000 and a house in 2 years, how to manage and invest in finances?

If the house in the South 4th Ring Road of Beijing is counted as 2 million, the down payment is 600,000 for 3 achievements, and now it is 150,000 deposits, 450,000 yuan is still missing, the monthly income is 10,000 4, the annual income is about 150,000, and the two years are 300,000, and the capital needs to increase by 50 percent.

I'm dizzy, hurry up and invest in a good project, buying a house doesn't have to be in Beijing, it's boring, where do you work? Then think about it!

Let's make spot investments on the Bohai Commodity Exchange.

150,000 yuan of capital, take the coke as an example, now ** is 2438, 20% of the margin, then do a hand less than 500 yuan, then we according to 500 yuan a hand to calculate, 150,000 yuan can do 300 hands, coke now fluctuates between 20-180 yuan per day, we do a round a day, only seize 10 yuan of profit to calculate, a month has 20-22 trading days, then we calculate according to 20 trading days, then a month's income is 300 * 10 * 20 =60,000 yuan. If you earn half more and lose half of the chance, you can also earn 30,000 yuan a month.

In this way, I don't think it will be a dream to buy a house in Beijing in 2 years.

The only way to do this is to invest in a high-risk market.

Stop daydreaming and buy a house?? Hum!! You're dead to this heart!!

Welcome to pay attention to China Merchants Bank Wealth Management, general banks have savings, **, wealth management products, foreign exchange, **, ** and other investments for you to choose. If the specific investment direction is not clear, if you have a local China Merchants Bank, you can contact the branch wealth manager to discuss financial matters.

Monthly income of 2,000? How much can you save each year? Even if you save 1,000 a month, 12,000 a year, and 60,000 in five years, there should be no problem with a down payment for a small two-bedroom apartment in the suburbs of Chengdu, but it is the current **. The housing market has been sluggish this year.

It's really not a blow to you, if you rely on the salary alone, the chances are not great. It's better to eat better, dress better, and find a good boyfriend.

According to the increase in property prices, it is difficult for you to realize this plan.

The monthly money is mainly spent on the following aspects:

1.Rent and living expenses: I live in a rented house, and rent and living expenses are the largest expenses of Yujing every month, of which food and daily necessities account for a large proportion.

2.Entertainment and socialization: As a young person, they pay attention to social and recreational activities, and will set aside a certain amount of money every month for entertainment and pastime activities such as parties, travel, sports, etc.

3.Digital electronics and apparel: Digital products that focus on fashion simplicity and novelty, and may spend a certain amount of money every month on mobile phones, computers, digital products, clothing, etc.

4.Other expenses: Some other expenses such as transportation, medical care, insurance, etc. will also cost a certain amount of money.

In terms of salary distribution, sometimes a part of the income is invested in the fields of **, **, bonds, real estate, etc., in order to obtain higher returns. And began to pay attention to financial planning and financial education to improve their financial management level and increase financial knowledge.

1. First, keep a portion of your salary in the bank as regular savings.

2. Invest in Yuhan online loan. Although many people think that online loans are risky, in contrast, due to the agreed interest rate in advance through online lending platforms such as Huifubao, the income of Zhenyinxiao is relatively stable, and the overall average rate of return in the past five years is about 20%.

3. Risk appetite can take a part of the money to invest**. In recent years, the market is not very good, the market is large, and investment is risky. You can entrust a friend with more experience and relevant knowledge to help you invest, if you are not at ease, you may wish to deposit in the bank to make a small deposit and withdrawal, the interest rate is higher, and you can also be forced to save money.