As a wage earner, how to manage my monthly salary?

Financial management, you must be dreaming, a person only has a salary income of a worker, but also want to make a fortune, don't be delusional, or be realistic, financial management must do a good job of open source and throttling, only do these two things well, you are qualified to talk about financial management, financial management is a science, there are many doorways inside, Ma Yun, Liu Chuanzhi, Li Ka-shing, they are all in the muffled fortune when they don't say a word, only they succeed, and then tell others the history of success, all filtered, a little reasonable, but it must not work, As we ordinary people want to manage money, which is the best way, is to open source, do the closest work to the money, do their most convenient work, closely follow the policy vane, grasp their own economic initiative, do not invest indiscriminately, both open source, but also throttle, thin water long stream, trickle, will form a big wave, will be like China in these decades has a few outlets to make a fortune, 80 years to do individuals, as long as you insist, you will be rich, ninety years to do reselling, brain work, you have, two thousand years of investment in ** real estate, is an individual can make a fortune, In 2005, investment and financial management, maybe seize the opportunity, you will soar, in 2010 the Internet broke the conventional business model, playing capital has become billionaires, in 2016, the economy is back, the policy is tightened, if you work in the first department, you can't make a fortune, but you will definitely have enough food and clothing, in 2020, an epidemic has made a lot of people completely sober, the family has become the main stabilizer, and the short ** has suddenly impacted the whole society, live broadcast, financial management, and suddenly become a topic of discussion, As the saying goes: money doesn't care about you, you don't manage money! It is true that wealth is reasonable, but as ordinary people, living a good life is the most important thing. Wangcaine.

First of all, there must be an awarenessMoney management doesn't make you rich.

So if you have similar thoughts, then you must stop, otherwise, you will only be cut leeks.

As an ordinary investor, there is only salary income.

This ensures that your principal is safe and you won't lose money, and you can withdraw it at any time when you need it urgently.

The final punctuation point of regular investment is, so it is very volatile, with high risk and high returns.

But if the time is stretched long enough, for example, more than three or five years, then the probability of making money is still very high.

Therefore, you must use spare money for regular investment.

If you can stick to it for a long time, then you can end up with a relatively good profit.

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You can first assess whether you are a conservative, prudent, or aggressive financial manager, and you can match your assets according to the type.

Generally, financial managers with only salary income, don't think about getting rich overnight, this is impossible, the main purpose of financial management is to preserve value.

Don't use the money you need for your life for financial management, once you lose money, this may lead to the breakage of your capital chain and affect your daily life.

For those who only have salary income, the funds under management should not exceed 50% of the total funds, and if the risk tolerance is worse, do not exceed 30% or do not exceed the losses that they can accept.

At the beginning, you can consider R1 low-risk products, and then slowly learn financial knowledge and make adjustments according to your risk appetite.

This view is not intended as investment advice, investment is risky, and financial management should be cautious. ）

Investment is risky, and financial management needs to be cautious.

The part of the surplus money is used to make a balanced allocation of regular investment and prudent financial management.

As a wage earner with only salary income, how to manage the monthly salary, that is, to spend the normal expenses out, and then the remaining money to manage the money, in fact, financial management is also very good, you say safe financial management, well, the interest rate is generally there, in fact, it adds up, don't put the money in the bank, lie there and don't move, you put it uh flexible financial management, so that there will be some interest is also very good, for example, 100,000 yuan a year will have 3,800 yuan of interest, not also.

If you don't have much money left, you can consider currency fixed investment, a few hundred yuan or dozens of yuan per month, which is characterized by higher income than bank fixed deposits, and can be taken out when you need it urgently, without affecting the income.

After you have some savings, you can tolerate high-risk varieties, you can consider regular investment **type**, such as the CSI 300 Index**, and the stock selection is done by the ** company, and we are waiting for the dividends.

The investment time should have a long-term plan, and you can achieve good returns after a long time.

Then you need to spend some effort to arrange, in addition to your own daily expenses, divide the rest of the money into several parts, part of the stable financial management, such as ** or something, part of the insurance, to increase your own protection, and part of the risk investment, to small and large.

I think the most important thing in salary financial management is to do a good job of financial planning and choose corresponding products according to your own risk-bearing ability. I can take out 2,000 yuan a month for financial management, thinking that diversification can reduce the risk, so 1,000 yuan to buy the products in the wealth management through the stable area, seeking stability, and the remaining 1,000 yuan to buy advanced financial products, is a fixed investment.

I paid my salary every month, paid off my credit card first, and took the rest of the 1,500 yuan for financial management. I bought a regular wealth management with a relatively high income in the Wealth Management Connect Stable Wealth Management Zone, so as to have peace of mind, after all, the wallet cannot withstand the construction. It is recommended that before you use your salary to manage your finances, make a financial plan and invest in a planned way according to your income goals and risk tolerance.

For workers who only have salary income, it is best to deposit it into a formal financial product every month, or buy some national formal ** coupons.

If your salary is not very high, you can choose the products of the Wealth Management Connect Stable Wealth Management Zone like me, and then look at those advanced financial products with higher returns and higher risks, so that there will be no psychological burden.

As a part-time worker, you should make a detailed schedule every month and give yourself a management experience so that you can better manage your income.

Let me tell you about it.

When the monthly salary is paid, the first part is the money that must be spent, such as: rent, transportation, utilities, food, etcIt can be controlled within 2500 yuan, which is 2500 yuanIt can be stored in the change pass or Yue Bao, use the money of Huabei to consume, and then withdraw it to the bank card next month to repay the Huabei, or the balance of the treasure to return the Huabei, the cycle is like this, although the income earned may not be much, but it is also a small amount of money.

The second part of the money can be deposited in fixed depositsBecause the current financial management is risky, there is the possibility of loss, there is an unstable situation, so you can consider taking out 20% of the funds to deposit time deposits, save a Min Li every month, there are 12 deposits in 12 months a year, if there is an urgent need to withdraw in advance, it will only affect the part that is taken out in advance, and the other parts will not be affected.

The third part of the money can be considered financial managementIf it is a conservative investor who can not bear any risk, then it is possible to consider low-risk financial products, for example: low-risk regular financial products, but it should be noted that regular financial products have a term, can not be taken out in advance, and the flexibility is not good, so you should do a good job of capital planning when saving.

If you want to pursue a higher return, you belong to an aggressive investor, you can take the risk of a relatively large **type**, index type** and so on, but you should pay attention to the fact that when the ** is not good, you may lose a lot, so you should be cautious.

Small financial management is more suitable for salarymen. The income of small gold wealth management is more than 7%. Minimum deposit of 100 yuan. You can withdraw money at any time when you use it, and it will arrive in your account within five minutes. Convenient, flexible and fast. You can start with a little less and try to understand.

If we divide the monthly salary income into four accounts according to the purpose: salary account, consumption account, reserve account, investment and wealth management account, and also have four accounts to perform their own duties, and each account is dedicated to the special card, we can ensure that there is a balance every month.

1. Payroll account.

It is only used for payroll and fixed expenditure repayment. Fixed monthly expenses such as mortgage, rent, gas, water, electricity, and insurance can be directly linked to the payroll card and the repayment date can be set to the day after the payday.

For example, the 10th of each month is the payday, and the 11th can be set as the automatic repayment date. The advantage of this is that as long as the salary is paid, the part of the fixed expenditure will be directly transferred out, and there will be no worry about forgetting to repay the loan resulting in bad credit, and the remaining part will be transferred to the reserve fund account, investment and wealth management account, and consumption account.

2. Consumption account.

In fact, the most difficult thing to manage is the consumption account, because we keep spending money every day, and even sometimes spend without purpose and without planning.

How can I live a high-quality life without discounts but with a small margin?

The consumption account can help us a lot, spend a month to count how much money you have spent in the past few months or even half a year, and then only put the money you need to spend this month in the consumption account, and maintain the habit of fixed consumption, make a list of things to buy each time, budget a good amount, and buy them uniformly. This will be of great help to us in formulating and implementing our investment plan.

For example: the total family income is 10,000 yuan, fixed expenditures: 3,000 yuan, living expenses of 3,000 yuan, other expenditures of 2,000 yuan, the total expenditure is kept at about 8,000 yuan, and the remaining 7,000 yuan can be transferred to the standby account, 6,000 yuan can be used for investment and financial management, and 6,000 yuan can be saved every month.

3. Reserve account.

Why set up a reserve account, its purpose is to protect our lives just in case, so as not to lead to the need for urgent money, but the money is placed in the investment and wealth management account, either it has not expired or it has not reached the profit point, and the redemption needs T+1, which brings a lot of inconvenience to our lives. Especially when it comes to illness, the result can be very different between money arriving a minute earlier and arriving a minute late.

It is best to set aside a part of the money as a reserve fund every month, and allocate insurance for your family, especially critical illness insurance.

A fixed monthly salary is reasonably distributed for financial management

1. Transaction needs, that is, after the salary is paid, first take out the funds that are fixed for the expenses of Huikai Bank 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 use them 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 your salary and keep it at home and in the bank, generally about 20% of the amount after deducting necessary expenses (adjusted according to your salary level). This part of the money is used to prepare for the preparation of emergencies, the cash at home is enough, and the part of the bank 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 invested in accordance with 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.

Wealth management is a process of gathering sand into a tower, and wealth appreciation is realized through various financial management tools.

Financial management has to start from a little bit, and you want to manage your finances with big or small risks.

First of all, we need to confirm how much money we can use to manage our money each month. Because most financial management methods can't take out money immediately, it's terrible in case you need it urgently. Therefore, at least one-fifth of the income needs to be taken out every month and put in a demand deposit in case of emergency.

Then we need to prepare the software we need to use for financial management, now there are a lot of financial management software on the market, but there are good and bad, uneven, we need to talk and distinguish, we must choose the software of a large company with a high ranking and a reputation.

Choose a good financial product according to your own needs, **, ** or bonds, etc. Keeping money in the bank is also a way to manage money, but you must pay attention to the need to take care of yourself. It is recommended that novices do not enter the **and high-risk ** at once.

**The choice is also divided into a very variety, it is recommended to use the test software provided in the software to test your risk appetite, according to the risk level you can bear to buy the corresponding ** products. For example, the risk of this type of stock is relatively high.

If your risk tolerance is relatively low, put your money in bond-type ** or in fixed deposits. Although the income will be lower, the relative risk will be much lower, and it will basically be stable.