I would like to ask what are the best ways to manage your salary?

**It is for others to invest in, and it is not recommended for you here, after all, there is too little money.

I think you can probably divide the money into several parts to manage.

Part of it is their own consumption amount, part of it is to subsidize the family, and the rest of the deposit in the bank can probably be divided into two categories, part of the 30% deposit period, so that the interest rate is a little higher, and will also develop the habit of saving money regularly, and part of the 70% survival period, so that the liquidity is relatively strong, you can buy and sell something that you think can add value, and you can exercise your own business awareness. Of course, don't be afraid to lose money.

Finally, I would like to send you a word, the money is not much, it is fine, it is calculated, and it is in management, From the current 2000 yuan, you will develop the habit of a monthly salary of 10,000 yuan in the future, which will also help you succeed!

Save to a certain amount and start a small business.

Regular investment focuses on choosing according to your financial goals.

1.Save. You set aside 5,000-8,000 (3-5 months' income) in a current bank deposit for emergency use.

2.**。**Regular investment is an effective way to increase income Reliable, more stable, interest rate is higher than savings, and the longer the interest rate, the higher the interest rate.

If you are under the age of 30, it is recommended to buy (index type), that is, ** type, although the risk is higher than that of bonds, but the return will be much higher in the long run.

3.**。First familiarize yourself with the environmental process operation method Try to buy a little, the return is very high, but the risk is also very large, ** control is suitable for professionals, amateurs are best to only do 1-2 times a year, buy dips (**) ** sell, do not hesitate, do not be greedy, do not be anxious.

Otherwise, you will either not make much money, or you will be stuck in it all.

When you are familiar with these, you can learn more, **, **, foreign exchange, etc.

Happy financial investment!

**It is that people use your money to invest, rather than you don't know how to invest yourself, it is better to take care of it!

You can choose the regular investment of the Postal Savings Bank, and you will have a great return if you save a part every month.

There is a saying that is very good, if you don't manage money, money doesn't care about you.

Managing your money is a lifelong lesson. The most basic financial management is how to manage our salaries. For most people, the main income of a person, every time they get their salary, they pay off their credit card first, and then buy themselves something they like, and the rest is paid for rent, entertainment, entertainment, and in the end, nothing is saved.

So how do you manage your money when you get a salary?

First of all, you can first set an annual savings goal, for example, if you want to save 60,000 yuan this year, then you have to save 5,000 yuan every month, and the first thing to get your salary is to save 5,000 yuan to a card that you don't usually use, and you can buy some short-term financial products that can be withdrawn at any time and without any risk, such as 7-day financial management, tell yourself how this part of the money can't be moved.

Secondly, develop a good habit of keeping accounts every month, and see if you can allocate other money in addition to daily necessary expenses and fixed expenses. For example, if you keep accounts and find a lot of entertainment expenses, go to a bar at night, go to the mall, and have a big meal, each time it seems that it is not much, but it adds up to a lot. So how to do this part, is to make a budget for your own expenses, and consume according to the budget every month, so that you can stick to a habit of restricting your consumption for a long time, and its long-term effect is very good.

When you have saved a certain amount of money, you can try to manage more money, after all, the bank is very low interest, and it is recommended to buy a relatively low-risk index** and some bonds with stable income.

Therefore, the first step in financial management is to get a salary and save the part you want to save first, and then spend the rest of the money, so that saving a fixed amount of money every month will accumulate over time It will be a considerable wealth.

The proposal is to divide the salary into three parts, one of which is a fixed property, which cannot be used under normal circumstances. An investment, of course, I didn't understand it at first, but if you want to invest in those with low risk, you can afford to lose money. The last one is liquid assets. Make good use of it!

Financial management is relatively professional, and it is best to compare insurance from the financial platform.

It is recommended to go to the bank to manage your finances.

Due to the effect of inflation, if you only store money in the bank, it will often "save more and lose more", just like the 10,000 yuan households in our village that were famous far and wide and envied by everyone.

In modern society, there are many ways to manage money, which is convenient and convenient, and people no longer have to keep their money in the bank as before.

So how do we reasonably distribute the fixed salary every month for financial management? The following is based on Keynes's theory of money demand (i.e., trading demand, prevention demand, speculative demand), and rational allocation.

1. Transaction needs, that is, after the salary is paid, first take out the funds for fixed expenses every month. For example, housing, utilities, communications, transportation, meals and other necessary expenses, we will list these necessary expenses each month on paper, compress the amount of needs to the minimum, and prepare the corresponding funds from the salary.

Since this part of the funds is not a one-time consumption, you can buy some flexible access currencies** through your mobile phone, and you can use it as you go, which can not only earn income but also do not affect consumption.

2. Prevention needs, that is, to take out a part of the cash from the salary to keep at home and in the bank, generally about 20% of the amount after deducting the necessary expenses (adjusted according to your salary level). This part of the money is used to prevent emergencies and prepare a reserve fund, the cash at home can be enough, the bank part can be saved in demand first, and then converted to a fixed term after reaching a certain amount.

In short, this part of the funds requires cash to be matched with the bank, current and regular. The principle is to prevent emergencies, supplemented by earning income.

3. Investment demand, which is used in wages to obtain financial income. The remaining part of the funds will be used for financial investment according to the principles of investment portfolio, high and low risk matching, and long-term and short-term matching.

Remaining salary management can refer to the following suggestions.

Ultra-low risk: 90%+10% of bank fixed and cash ratio, very low return and very low risk;

Low risk: currency** + bank fixed deposit + capital guaranteed wealth management products, the proportion is 20%, 40%, 40%, low return, low risk.

Medium risk: currency** + bank fixed deposit + index ** + ** **, the recommended ratio %; Medium returns come with a certain risk of loss;

Medium and high risk: currency**+index**+active**+**, the recommended ratio %; High yield comes high risk.

When choosing a financial portfolio, you must start from your actual situation, such as risk tolerance, monthly salary income level, professional knowledge and ability, etc.

People don't manage money, money doesn't care about people, the most important thing is to make a plan that meets your own, you must stick to it, after the baptism of time, you will definitely get unexpected benefits.

A want to do financial management more ways to manage money is to have risks so the general situation of financial management is to do financial management in the case of economic comparison about the permission to do financial management first to the regular bank to manage the risk will be less The way can be chosen by you, or the bank can recommend it for you, after all, it is necessary to seriously consider.

First of all, you need to understand whether you want a high return or a low return but no risk. Whether you want bank wealth management or ** or ** financial management.

Spend more time researching** and do** regular investment.

If you want to manage your salary in a more planned way, you can consider investing together in Wealth Management, and we will divide our money into four parts, namely the money that makes money, the money that seeks stability, the money to spend, and the money that goes back. Moreover, if you don't know how to divide each money, investing together can also help us make intelligent planning, and match different asset allocation plans for everyone, this result can be used as a reference, and how to distribute it in the end depends on yourself.

Since our wages are generally paid to us at regular intervals.