How do you manage your money now? How is the monthly salary distributed?

1: Since you want to manage money, you must become a habit of managing it, persistence, accumulation and sensitivity are the essence of financial management.

2: Divide the income into four parts, (take the income of 6,000 yuan and the existing deposit of 50,000 yuan as an example).

They are: 1: fixed expenses (including the consumption of means of survival, the elderly, as well as telephone bills, housing loans, car loans, etc.) budget deduction of 2,000 yuan.

Two: unpredictable spending.

Emotional consumption: If there is a happy event at home between colleagues, class reunions, etc., 1,000 yuan will be deducted from the budget.

Three: current savings (remaining 1000 + emotional consumption balance + electrical consumption balance).

Four: small treasury 500 1000 (must be saved every month, can not be used without permission), it is best to have a fixed amount, easy to manage.

Five: The remaining 800 purchase a commercial insurance regular investment.

One or two items are expenditures, and three or four items are income. In this way, there should be no big problem in saving 500 a month. In the event of an emergency, you can use the savings in your current savings, but the fourth item should not be used lightly.

1. Read. The distribution of wages needs to be decided according to the consumption level of each month, if it is a person who works outside, then it is a false judgment type that needs to set aside a part of the salary to pay rent, water and electricity, which is the most basic expense, so it needs to be planned every month.

2.If the salary is relatively low, then you can choose the bus or subway and other ways to travel, but you need to pay special attention to catering, try to cook by yourself, not only very hygienic.

Interpersonal communication, every month will always expand the circle of friends by inviting friends to dinner, but everyone also needs to pay special attention to abandon the bad social circle, which will waste time and a lot of money, and the consumption of interpersonal communication needs to be controlled at about 500 yuan per month.

4. A part of the monthly salary needs to be set aside for learning, because at any time you need to continue to study, so that you can continue to improve, so you need to take out a part of the salary to buy books, or take out a little salary every month as training money.

5.Investment management collapses wealth. Some people's wages will be smaller, but we also need to pay special attention to setting aside a little money every month for investment and financial management, but we can't be blind, and we can directly deposit it in the bank.

6.If the salary level of consumption entertainment will be relatively low, then the expenditure on consumption entertainment will naturally be relatively small. Generally speaking, the cost of consumption and entertainment needs to be controlled at about 500 yuan. Of course, if you want to accumulate it, it's also very good.

As soon as the salary arrived, the money seemed to have just gone through the motions in his account, and he went directly to borrow a credit card from Huabei, or directly started the mode of buying, buying, buying, buying. Many people are feeling extremely distressed about this kind of life of not being able to save money, and today I will teach you to achieve mandatory savings through financial distribution.

How to burn the monthly salary and distribute financial management?

First of all, we have to sort out and list our overall income and necessary living expenses, and then divide our monthly salary into three parts according to the consumption situation. Part of it is used for necessary consumption, part of it is used for emergency funds, and the other part is used for investment and financial management. Proportionally, we mainly recommend two methods, which are suitable for two different ways.

Higher income: If we have a higher salary, the proportion of basic consumption will decrease, but at the same time, it often means that our usual consumption will also increase unintentionally. At this time, we can take 20% of the storage method for financial management, that is, one-fifth of the monthly income, which can be used to make regular investment, etc., on this basis, we can also make appropriate adjustments in Chaoqiao Town.

Low income: When our salary is relatively low, the proportion of various necessary living expenses is usually relatively high, and there is often no excessive amount of funds that can be used for financial management for a long time, so we can divide the remaining funds into two after subtracting the consumption and rough expenses, and half of them can be used for stable financial management.

Of course, if we are moonlight and cannot leave a part of the funds in each month, then our first consideration is not how much money to use for financial management and how to achieve asset allocation, but first to change our consumption concepts and habits. Before managing money, it is recommended that you cultivate more financial thinking.

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.