The monthly income is about 3,500, including food and housing. How to manage money?

Count you in 500 yuan per month, 3,000 yuan, before the deposit emergency, save 2,000 per month, each inch a year or half a year according to their own situation, 1,000 to buy**, so to choose well, and then save half a year after the investment**, but before doing homework, and don't know how to ask.

According to your situation, it is recommended that you combine regular investment and the 12 deposit method as the first step in financial management. Through the first step, accumulate a certain amount of funds and then make further planning. "**Regular Investment" is purchased with a fixed amount of money every month**.

When the contract expires, it can be exchanged for the corresponding gram of investment gold bars; Or exchange your favorite ** jewelry; It can also be exchanged for cash; If you are still a little vague about this concept, if you have heard of the bank's "lump sum deposit", then they are similar, the difference is that the "gold" of the lump sum is still "gold", not paper money! The 12-deposit certificate method, that is, a savings and investment strategy that deposits a deposit in the bank for a fixed period of one year every month, adheres to a full 12 months, and will obtain a large amount of regular income every month from the first month of the following year, which has both the two outstanding advantages of flexible access and high returns.

It's better to buy money market**, this kind of ** has no risk, good liquidity, and you can generally withdraw the money the next day after redemption on the same day. If you don't have the expertise, don't buy it.

How many do you have? If you have 100,000 yuan, I suggest you buy "Lianyungang" (**), and when it goes crazy, you can get 10,000 yuan, just about this month.

If you leave enough money every month, you will save the rest in the balance treasure.

Buy the lottery, maybe you really won the lottery, you have to thank me for reminding you.

You can deposit a portion of it into the bank appropriately. You can also come out of that part **or buy**.

Can 3500 still manage money? Let's buy insurance again.

Eat up, drink up, use up, oh, there is no need to manage money.

Part of the investment... Part of the household... Some ,,, private homes.

1. Learn to plan. Ordinary white-collar workers, for example, in second-tier middle and lower-tier cities like Jinan, can actually manage their finances with an income of 3,500 yuan. In fact, financial management doesn't care about making a lot of money, sometimes we just want to have a life security in the future.

It is good to have your own financial plan for financial management.

2. Arrange funds reasonably, for a monthly income of 3,500 yuan, you must find an equilibrium point, and make a capital structure according to your local consumption and an arrangement in the future.

3. In fact, while managing money, it is not to make money guess financial management, if it is very profitable, then it is not financial management, it becomes an investment. For the higher the returns, the greater the risk you will have. Of course, we have a salary of 3,500 yuan a month, so it is best to choose the one with less risk.

4. To learn to open source, in fact, you must have the remaining frank and auspicious land money, and you must use it reasonably to have a value-added effect.

5. Learn to throttle, after all, our monthly income is only 3,500 yuan, if we have unnecessary money, we have to save, in fact, sometimes you have money left, a year is also a considerable amount of money.

The general salary of college graduates is not high, many people say that after finishing college, it is not as good as the salary of the farmer's uncle, today we will not discuss the issue of comparing wages, let's talk about it from another angle: how to manage money with a monthly income of 3,000 yuan for office workers? Because financial management is the wealth of a lifetime, it is a process that is worth learning.

Introduction

How to manage money with a monthly salary of 1200? If you have an idea, you may be able to manage your money.

How do office workers manage their finances with a monthly income of 3,000 yuan?

1. Bank savings

Saving is a very practical method, the advantage is that the money is very safe, basically do not have to worry about loss, the principal is safe, and access is also very convenient, the disadvantage is that the expected annualized expected return is less, suitable for more conservative people. Many people say that saving money in the bank can't catch up with currency depreciation, but office workers have a large flow of funds, and if they need money, they can't withdraw it, isn't it very troublesome? In summary, it is feasible to deposit some money in the bank, except for Beijing, Shanghai and Guangzhou, because it is estimated that 3,000 can only eat and live, and there is no way to save money.

2. Currency**

Currency** does not require investors to have high financial knowledge and investment funds, and the risk is relatively low. Investors should know that currency investment is bonds, central bank receipts and other money market instruments, with low risk, expected annualized expected return stability, good liquidity, etc., but the expected annualized expected rate of return is more considerable than bank demand deposits.

3. P2P financial management

For office workers, P2P financial management is also a better way to manage money, with a low threshold, high expected annualized returns, a relatively short bidding period, simple and flexible operation, and not much financial knowledge required for investors. On the basis of choosing a good platform, it is still relatively objective for the expected annualized expected return, and when choosing such products, it is best to choose the expected annualized expected return of 6%-12%, because the expected annualized expected return is too high and not very reliable.

It is recommended to divide the salary into 3 parts, one for daily expenses, friendships, and other entertainment. Save a copy, don't pay attention to how much interest you eat, anyway, don't touch it unless you have to. The last investment, learn the investment experience in the process of investment, and obtain a better expected annualized expected return.