How do people learn to manage money?

Ordinary people should achieve the following financial management concepts: 1. Learn to save money appropriately. On the premise of ensuring the quality of life, save money appropriately, spend the money that should be spent, try not to spend the money that should not be spent, the money is spent on the blade, and impulsive consumption is not advisable; 2. Regularly check the family wealth.

Make a comprehensive understanding of income and expenditure and liabilities, and on this basis, make a more reasonable distribution of various uses of family assets, so as to ensure the healthy operation of family wealth accumulation3. Life savings refer to the expenses required for the normal life of the family for 1-2 years. Investment is risky, once you encounter a risk and a loss, at least you have life-saving savings to temporarily maintain the normal life of your family; 4. It is not advisable to follow the trend and invest.

Following the herd is speculative thinking, not a rational sense of financial management. Blindly follow, buy whatever product is hot, and the consequences may lead to losses. Rational analysis before investment can bring you wealth and be able to survive sudden changes in the market. 5. Don't put all your eggs in one basket – the introductory common sense of the investment world is also crucial common sense.

Diversify investment, products and platforms should not be attached to one place, which can not only reduce investment risks, but also understand more investment channels, so as to choose the most suitable for yourself 6, information is wealth, pay attention to every channel that can provide you with information. Improving one's sensitivity and ability to distinguish between various types of information and turning information into opportunities that are beneficial to oneself is also the key to success; 7. Connections are also wealth, which need to be invested and accumulated. No matter how high or low your income is, don't forget to cultivate your network resources, contact more "rich people", and understand and learn from their thinking; 8. Any investment must adhere to capital preservation.

Capital preservation is the bottom line, and only with the determination to keep the bottom line can we earn more determination and strength; 9. Don't be easily knocked down, and don't be easily carried away by victory. Investment is not an overnight thing, all kinds of situations may arise, at all times remember to stay calm, rational analysis, and make the most beneficial decision for yourself; 10. Never stop learning and improve yourself. If you want to keep chasing wealth, you must continue to learn the knowledge of investment and financial management.

Read more books, read more newspapers, and there is nothing wrong with that.

Learn to allocate your assets wisely and don't put your eggs in one basket. Our daily assets can be divided into two types, one is for daily life consumption, which can be placed in Yue Bao, change pass and other accounts that can be withdrawn at any time. The rest of the money is used for investment, and this part of the money can be allocated proportionally to bank deposits, wealth management products, **, **.

Make the most of your credit card, make the most of your credit card interest-free spread, and enjoy the benefits that come with your credit card. As long as the credit card is used well, it is a good thing, you can make full use of the interest-free difference between the use of the card, keep the funds on hand active, and at the same time enjoy the preferential activities brought by the credit card.

Buy insurance to hedge against real-life risks. Insurance is an effective hedging product. For example, in car insurance, when a traffic accident occurs, the insurance company will bear a certain amount of liability. Other insurance plans can also bring some protection for everyone.

1. Understand the trend of the market. The market for investment and financial management is ever-changing, although we ordinary people can not accurately grasp the changes in the market, but we still need to have a general understanding. For example, we know what stage the financial market as a whole is in, and what its inflation rate, electricity consumption, and interest rate are.

Use these as basic indicators to study the trend of the market, locate the opportunities of financial management, and determine whether to enter or exit. 2. Understand the characteristics of wealth management products. Investors may have a very difficult choice when faced with a wide variety of investment and wealth management products.

And not all financial products are suitable for you, so you can't buy them blindly. When buying wealth management products, it is necessary to conduct in-depth research to understand the characteristics of the product. For example, the special change of currency** is that the income is stable, the interest is calculated on a daily basis, and the purchase is redeemed at any time.

Then it is very suitable for people who often need cash turnover; When the funds are free, it can be used for financial management to obtain certain income. Another example is P2P investment and financial management, which is characterized by high returns and stable returns; Taking Hyundai Crowd Car Loan** as an example, the annualized return in the past period is about 13%, and the interest is paid monthly, and the principal is repaid at maturity. Then it is more suitable to use the funds for a period of time, and then use the money for investment and financial management.

3. Understand your risk appetite. Now the way to understand your risk appetite is very simple, generally before buying financial products, there will be a set of questions for users to come, and after answering, they will know their own risk preference type. Once the risk appetite is determined, it is best to choose a wealth management product that suits your risk appetite attributes.

4. Understand the investment structure of wealth management products. For the majority of investors, it is necessary to share the risk when managing money, and never put all the eggs in one basket. This is the eternal rule of investment and financial management, and excessive concentration of funds in a financial product is easy to cause excessive risk.

But it is also not advisable to spread it too much, so that the energy that needs to be taken care of will take too much. It is recommended that ordinary investors choose 2-3 wealth management products. Through a reasonable combination of combinations, the risk can be reduced, so as to have a stable income.

As the saying goes, there is no chaos in the plan, there is no budget in the poor, let's start with the family expenses, make a budget, let's first take a look at some of the family's necessary expenses for a month, such as water and electricity bills, gas bills and the like, in fact, according to the previous monthly bills, you can probably know how much the water and electricity bills and gas bills are this month, and how much is the necessary expenditure for the family to buy vegetables, rice, oil, salt, sauce and vinegar every month, which can also be calculated according to the previous monthly expenses. After the salary is paid, the money will be taken out and stored separately, you can choose to store it in Alipay, of course, it must be in the balance treasure, pay now, buy things Alipay can be solved, as long as there is due payment, buy vegetables and buy rice directly Alipay, usually in Yuebao, you can also earn a breakfast out, so that the special funds are dedicated, and the basic problems of life are solved first. Secondly, after taking out this part of the money, take out a thousand yuan in the remaining money, this thousand yuan as a reserve fund, for emergency situations, remember to take it every month, you can buy some bank financial management, buy it in the bank's app, you can use it in a year, and it will be tens of thousands in a year. So since it is low-income, let's assume that one of the companies is gone, and then look at how the salary of the other is arranged, when the salary comes, you can buy some clothes, shoes, toys, snacks and the like for the child every month, no matter how the child still has to be decent, or give the elderly a few hundred, this is also our responsibility, we ourselves will be a little harder, men should not smoke, drink, this thing is not good for the body, not to mention that the conditions are a little nervous, women do not want cosmetics **, Under such conditions, no one will say that you are beautiful, but you will only say behind your back that you will not run a house, we just have a clean and decent life.

The rest of the money is divided between two people, people sometimes buy a bottle of water outside, take a car, you can put it in WeChat change financial management, or that sentence This can earn a breakfast money, if there is a balance then it is the best, you can go out to eat at the end of the month, life still needs a little mood, if not, it is hard, anyway, life can get by.

In my opinion, in addition to such financial management, we also have to find a way to open source, although we have an income point, hard but can not accept fate, you can do some small business after work, no capital but we have hands, we can work, if you know a little technology, you can be promoted in the circle of friends, such as helping people repair a computer, install a valve, clean up a range hood and the like, slowly someone will look for you, you can tinker with some plants at home on the weekend, you can also sell in the circle of friends, and slowly someone will patronize, Don't rush to subsidize the family with the money you earn, because we can live with the family before, but save it, and after a year, you can go from repairing to selling, and you can slowly play around, and the income will increase, and life will naturally get better.

This is what I think of as financial management for low-income families, including how to arrange the income that can be earned now, and how to earn more income, everyone has it in difficult times, don't give up, self-discipline and not be discouraged will have a good life.

1. Do not participate in high-risk investment activities. In order to ensure the stability and sustainability of family life, the income pursued by personal investment and financial management should be a type with high stability, requiring individual investors to always pay attention to the risk of investment and avoid participating in financial derivatives investment with high volatility and high risk rate.

High risk often means high returns, and high risk also means high returns and high losses. Two: investment is not equal to speculation, let alone gambling Looking at China, in the upsurge of the whole people, the vast majority of shareholders can be said to not understand, blindly follow, holding the mentality of gamblers, and as a result, they were swallowed up by the financial tsunami of the red loan crisis.

Therefore, for those who do not understand ** and only want to earn more wealth, loss is inevitable rather than accidental. 3. Formulate a reasonable financial plan As the saying goes, "no rules, no circle", learning how to invest and manage must have a comprehensive and systematic financial plan.

Good financial planning, like a catalyst for wealth accumulation, enables us to better avoid risks and create wealth. For people who do not have a financial field, you can consult a professional financial planner. They will tailor a set of solutions for you according to the specific situation of different people.

Personal experience of how to manage money First of all, it is important to understand your financial situation. How much is the monthly income, how much is the expenditure, and how much risk resistance there is. Second, have a financial plan and plan.

There is a proverb that says that if you are not poor in food, you will not be poor in clothing, and if you do not plan well, you will suffer from poverty. That's what I'm talking about. Of course, in today's material life gradually becoming richer, open source can be advocated, and throttling is based on the premise that it does not affect the quality of life.

Generally speaking, young people can be more aggressive and risky in financial management, and the elderly should be moderately stable and conservative. Real estate investment, of course, should be done within your means, but you should not wait until you have saved enough money to buy. To learn how to manage money, you need to spend the least amount of money to get the most benefits.

Third, persistence is the most important thing. If you get rich overnight, a long stream of water is the bright road of how to manage money. When you are young, you must learn to force your savings, and you must stick to them.

Saving $200 a month is not much, keep saving for 20 years, and you will be a millionaire. The same is true for high-risk varieties such as investment, don't be too short-sighted, and take a long-term view. Fourth, the most important thing in how to manage money is that it is not suitable for your own financial management methods, and you must resolutely abandon it.

First of all, establish the right financial awareness.

Financial management must understand your risk appetite, to put it bluntly, it is to figure out whether you can accept the loss of principal, and if so, how much you can accept the loss. Because wealth management is investment, investment is risky, and Yue Bao is no exception.

Don't expect to get rich overnight, and only a very small number of people can make a lot of money through financial management. Financial management is the icing on the cake, not a salted fish.

Secondly, the basis of financial management is that you must first have money.

This sentence is not nonsense, the basis of financial management is that you must at least have spare money, whether it is 1 yuan or 100 yuan, you have to have spare money, not a moonlight family.

Generally speaking, if you want to save money, you must first learn to keep accounts, but you know that everyone is too lazy to die, so you can simply get a credit card and lower the limit, for example, if the monthly salary is 5000, the limit is 1000 yuan. If you look at your bills every month, you'll know if you spent money indiscriminately in the last month. If anything, be careful to avoid it next month.

Moreover, bank credit cards have rights and discounts, such as points for miles (enough miles can be exchanged for air tickets), points for hotel accommodation, points for various goods, and daily activities, such as half price on Wednesdays of China Merchants Bank and Friday sharing days of GF. The benefits of bank credit card points continue to shrink.

Again, figure out what financial products the average salaried person can buy.

Needless to say, bank deposits. In 2018, there was a smart deposit, starting from 1 yuan, and the yield could reach between 4% and 5%, and later it was rumored to be guided by the central bank window.

Bank wealth management is now starting from 10,000 yuan, and it is generally considered that there is no risk. Note that you must buy the wealth management issued by the bank itself, some of which are sold by the bank for other institutions, and the probability of being cheated is high, so don't buy it.

The "baby" Internet financial management represented by Yu'e Bao is generally from 1 yuan, which is also regarded as risk-free.

All kinds of **, Alipay and WeChat can be purchased, some are from 1 yuan, some are from 10 yuan, you can be a one-time stud, but it is recommended to invest regularly, that is, buy a little if you have money. The first choice is the index type**, that is, what is in the name of the CSI 300, CSI 500, ChiNext index and the like**, at least you will not lose money if you stick to it for a long time, and you may make a lot of money if you hit the bull market.