How to manage money, please come in and say. How do I manage my finances?

After subtracting the fixed expenses from the monthly fixed income, take out 40% for financial management, you can buy stable financial products or invest in some small projects, this should be very common in Shanghai, take out 40% for dinner, good interpersonal relationships are also very helpful for your future development, and 30% can be saved, the expenses after the baby is born will also be very large, you have to prepare first.

You borrow some money, use the provident fund, buy a small house is the most suitable, and then go to rent, earn money to repay the loan, remember that the term is not too long, 5 years to strive to repay, and then sell the house and then use the money as a down payment, buy a 100 square meters, this is not risky but also can maintain and increase the value, to avoid excessive loan pressure to be a house slave.

If you don't have enough funds to buy**investment,**there is a hedging function, and it is better to buy** than to buy ** for the time being.

Ask. I have a house, but I just want to use the 10,000 yuan. Manage your finances conservatively. Is it better to deposit and withdraw as a whole or as a whole.

If you don't have enough funds to buy**investment,**there is a hedging function, a hedging function, and it is better to buy** than a deposit for the time being.

Your investment is too conservative, you save money is the biggest risk, the bank is now giving negative interest rates, if your salary doubles in 3 years, your deposit is equal to double the depreciation, your purchasing power will depreciate, after 3 years the same money you will buy less things, nothing to read more "International Finance", and "Financial Markets" you will understand.

Ask. That's right, that's right. You're quite right.

Looks like I'm asking the right person. I think so too. I beg you very much.

If I don't save money, how can I keep 10,000 yuan worth and make it worthwhile? What financial advice is right for me?

I think paper ** is your kind of small amount and can buy the best investment products, the United States is in a debt crisis, currency depreciation is not a short period of time, **pegged to the dollar, the dollar depreciation, **appreciation, and**is the safest, once there is any crisis, investors' funds will buy**, "**with hedging type", history proves that the risk is less than **, the return is greater than **, "with value retention", "anti-inflation", is the best product for value preservation.

You only need to open an ICBC card "Savings Card", or a construction bank card "Savings Card", put the money in, and then open the online banking U Dun, and open the "*** transaction" yourself to buy paper**, it is recommended to do an ICBC card, there are 3 kinds of metals can be traded, **, platinum, **, and there is a trend chart, while CCB only has ** transaction, no trend chart.

Good interpersonal relationships are also very helpful for your future development, and there are still 30% that can be saved, and the expenses after the birth of the baby will also be very large, so you have to do it first.

Social and economic development is getting faster and faster, and people have more and more means to make moneyWealth management through **, treasury bonds, insurance, etc。However, we need to pay attention to the fact that we must be cautious and careful in the choice of financial products, because we all know that Internet fraud is very serious now, if you don't know enough, you must not join it, I hope everyone can know this, and we need to pay attention to the fact that China's interest rate has not yet been fully marketized, so we should choose the corresponding financial products according to our own needs.

1. How should ordinary people manage their finances?

The social development is very rapid, but our wages do not rise much, so if you want better financial management, we must learn to open source and thrive, learn to be diligent and thrifty in life, so that we can save more wealth for financial management, after having surplus money, we must use it reasonably, so that its value preservation is our ultimate goal, so we must be cautious and cautious about high-risk investments.

2. How should I choose an investment method that suits me?

Nowadays, the social development is very fast, and personal financial management tools are gradually developing to the Internet, so if we want to choose a suitable financial management for ourselves, we must go to a regular bank for consultation, and there are more and more new financial products on the Internet, hoping that everyone can manage their finances through the Internet.

3. How should ordinary people avoid being deceived?

We all know that many financial products are financed in the name of financial management, in fact, this is not legal, I hope everyone can recognize the financial products in life, and at the same time for some high-risk and high-yield investment projects must stay away, ordinary people should learn to win steadily, only in this way can we better guard our money bags.

I bought my money for ** and regular term because I felt that ** was less risky than **, and then I also took out some of the money to buy a fixed term.

Will choose good financial products, but also in the relevant platform financial management, or purchase**, most of them will be on the platform for financial management.

In terms of financial management, I tend to be more stable, and I generally don't participate much in the riskier way. If the personal tolerance is good, then it can be according to your own situation. At present, I am in the national foreign trade, its safety I am personally more satisfied, now foreign trade is quite popular, and its cycle is 30 days, and then you can have 1.2% of the profit, every month will let me have some additional income, I quite like it.

1. The first step is income - savings = expenditure.

For young families with no savings, the first step is to create a savings plan. Without savings, there is nothing, there are no opportunities. Therefore, be ruthless with your present to have the possibility of a better future.

2. The second step is to purchase the most basic accident and accident medical commercial insurance. (If you do not have social security, you also need to purchase commercial insurance for hospitalization reimbursement) (it is recommended to purchase Taiping Life's IPA mid-range).

For self-reliant young families who do not have much savings and do not want to make trouble for others, the best way is to buy the most basic protection first. Although the probability of occurrence is not high, once it happens, a chain reaction will occur. The ancients:

Complete one's misery. "The loss of people and property makes it impossible for the family to recover for several years, and it is also possible to cause the family to disintegrate.

3. After you have a certain amount of savings, you can start to set financial goals

For example: participate in the company of the buddy with development, buy some real estate that may appreciate in value, ****, etc. (but you must be mentally prepared to lose everything.) You can also consider changing one of the couple's jobs or industries (such as business) with certain risks but a lot of room for growth, and the other to maintain a stable job.

If the drought and flood are guaranteed, hurry up and have children... This baby is so happy. ）

Suggestion: Try to save money for decoration, live in sex, and don't spend a lot of money in place at one time.

Wishing you a happy life!

Income: 2500 + 5000 = 7500. Payouts:

2100 for the house, 2000 for basic living expenses, 1000 other expenses (social expenses + transportation expenses + phone fees + Internet expenses), balance: 7500-2100-2000-1000 = 2400, and then divide the balance into three parts to buy insurance; 500 yuan for fixed investment; The remaining 900 will be used for more risky financial products, such as **, **these, and when there are children in the future, 500 will be taken out from these 900 to buy children's education**.

That's all I can think of, just advice.

I can tell you so! Your remaining 5,400 yuan can be distributed like this: children's education**:

$400 deposited in the bank on a regular basis! Regardless of your monthly income, saving is a must! The living expenses of the two of you are usually 3,000 yuan!

Buy clothes and go to the supermarket for 2000 yuan! But when 2000 and 3000 had a surplus at the end of the month. Be sure to force yourself to deposit in your child's education**!

Remember not to touch the money!! Remember.

With your current economic situation, I suggest to invest in a real industry equity investment project of financial products, the current society is an era of opportunities and risks, now most of the financial products are quite risky, projects, **, **, ** and other financial products, are already in a downturn, the direction is not clear, but the equity investment of financial products has gone through two years of downturn and the trend has emerged, as long as you choose the right company, a small investment, Maybe it will bring you unexpected wealth, I myself have made some similar financial products, if we have time, we can communicate with each other.

I suggest that you invest now and do spot **** to make money by buying up and down. Funds can be withdrawn at any time.

Financial management is a person's management of financial resources in order to achieve their life goals, including cash planning, investment planning, risk management and insurance planning.

Investment and wealth management refers to the rational arrangement of funds, the use of investment and wealth management tools such as savings, bank wealth management products and other investment and wealth management tools to manage and distribute the assets of individuals, families, enterprises and institutions, to achieve the purpose of maintaining and increasing value, so as to accelerate the growth of assets.

Wealth management is a Chinese term that refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.