With a monthly income of 1300, how should I manage my finances?

To put it simply, you can save 700 a month.

Depending on your standard of living and your personal needs, you can tailor your daily needs in combination with your own income and calculate how much you have left over each month.

It is more appropriate to make ** regular investment.

If you have the time and energy, you can also consider studying ** tickets, focusing on the beginning.

Learn to live within your means first, and only when you have a balance can you manage your finances.

It is advisable to buy some personal insurance and save some money. Buy a little bit within your means** fixed investment. It's the experts who help you manage your money. **The minimum starting capital is 1,000 yuan, and the fixed investment starts from 200 yuan.

It's the experts who help you manage your money. **The minimum starting capital is 1,000 yuan, and the fixed investment starts from 200 yuan.

You can buy **to the bank or **company. Banks can **many** company business, and the specific account opening can be handled by the bank wealth management counter. Now some ** companies also have **** trading. After the bank opens online banking, there is a discount on the general fees for online purchases.

First of all, do a self-understanding, whether you want high risk and high return or stable capital preservation and income. The former buys **type**, and the latter buys bond type or currency type**. After determining the type, you can choose according to the performance, manager, scale, investment direction preference, charging standard, etc.

**Performance is ranked online. A more stable **type** can choose an index or an ETFIt is best to choose the back-end payment for regular investment.

I don't make specific recommendations, only the feet know whether the shoes are good or not.

Generally speaking, there are two types of open-ended** investments, single investments and regular fixed amounts. The so-called "fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method. Due to the low starting point and simple method of "fixed investment", it is also known as "small investment plan" or "lazy financial management".

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

Investment**type** to make a fixed investment is always an opportunity, but the determination to persevere to the end can see the effect.

What is Wealth Management?

At present, most workers have the mentality that they really want to save and save more money, but they can't control how to distribute the property in their hands. I saw a certain kind of clothes that looked good, and I always wanted to buy them, or I had 30,000 yuan in my hand, and I spent them all in 4 months. I don't know.

People who look down on small money will never be able to grasp big wealth!

Financial management is not the same as being stingy, it depends on where the money is used!

Like a working person, I'll give you a plan:

1. Your income: 1300 months.

2. I don't know if I pay for my own meal.

3. I don't know if I pay for my own accommodation.

4. Do you usually like shopping? I don't know about this either.

5. I don't usually invite friends, classmates, and colleagues to dinner, and I don't know about this.

Here's a list of my financial solutions:

1. My monthly income: 5000-8000, the minimum is 5000, according to the minimum income.

2. I pay my own funds to eat.

3. It is also accommodation at your own expense.

4. In the fourth quarter of the year, shopping 4 times. Shop once a quarter on average.

5. On average, invite colleagues and friends to dinner once a month, and the consumption amount is up to 400 yuan.

6. I belong to the business, so I usually run customers, and the funds come out by themselves, on average once every 3 people.

7. No girlfriend, so you can save a lot in this aspect.

8. I smoke cigarettes.

9，**。Let's do the math:

Meal month: breakfast, 4 yuan, lunch, 7 yuan, dinner, 7 yuan, total: 558 yuan month.

Accommodation month: 300 months with water and electricity.

Shopping once in March: average consumption, 500 yuan.

Invite a colleague to dinner: 400 yuan per month.

Business month: a maximum of 30 yuan, a minimum of 6 yuan. Average monthly consumption: 550 yuan per month.

**Cost: $200 per month.

Cigarettes: 100 yuan per month, good ones, mainly for customers.

Plus others: 200 yuan per month.

Total: 2268 yuan.

And I expect the average monthly consumption to be: 1500

Reducing consumption from?

1. Shopping. 2. Invite a colleague to dinner.

3. **Fees.

4. Cigarettes. 5. Miscellaneous.

And what I do with the rest of my money, it's not a deposit, I have 5 bank cards, but none of them have a penny in them.

All my money is used to buy short-term **, or to lend it to colleagues or friends with interest. Never make a deposit.

At present, there are many ways for China Merchants Bank to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, etc., and the investment starting point of different products is different, and the corresponding risk level is also different. It is recommended that you open the homepage of China Merchants Bank and click **Customer Service for further consultation.

Welcome to pay attention to CMB Wealth Management, CMB has savings, large certificates of deposit, wealth management products, foreign exchange, **, ** and other investments for you to choose.

Risk and return are basically proportional, the choice of savings is required to protect the capital, the pursuit of low risk can consider currency ** and low-risk financial products, the pursuit of high yield can understand the investment **, foreign exchange, **and**, if you have a local China Merchants Bank, you can contact the branch account manager to communicate financial matters.

In addition to living expenses, put the remaining money in Yue Bao first, and then consider other financial products when you save more.

To be the most stable, the least risky, MMM mutual financial management.