What kind of financial management and consumption concept should we establish?

In life, how to establish our correct view of financial management and consumption? This is a compulsory subject for everyone to learn. If you haven't learned how to manage money and spend money since you were a child, you should make up for this lesson when you grow up.

There is a foreign financial fairy tale book "Puppy Money Money", which is about how children can establish a concept of financial management and consumption, first of all, we must learn how to manage money, and then think about how to earn filial piety to help others and benefit from the work concept, and then how to distribute the money earned to understand, and finally consume what they want most reasonable, this book teaches us to start with the baby, and to establish a good and correct view of financial management and consumption from an early age.

As the saying goes, you get flowers when you plant flowers, and you get beans when you plant beans. Plant this seed of proper financial management and spending. In order to harvest flowers and fruits, and at the same time, you must learn to carefully cultivate the concept of money.

For example, money is like a seed, whether the seed is a flower or a bean, we need to carefully weed, water, fertilize, and have enough sunlight and soil to see healthy growth, and at the same time remove unnecessary hindrance factors around it, otherwise it may grow crooked or stunted. Only with patient care will we finally wait for the moment when the naked fruits are abundant in autumn. In terms of financial management, we need to cultivate and take care of our principal (that is, the mother goose that can lay eggs).

There is no step, no thousands of miles; There is no small stream, no river. At any time, everything starts from the ground. Then, with the correct financial management thinking, quickly cut through the mess to remove the factors that make us poor, reverse the thinking of small farmers, and do not only care about immediate interests, but covet the comfort and pleasure of the present.

Invest in yourself, make yourself stronger, improve your ability to resist risks, and increase our returns in combination with effective investment methods, of course, this requires us to systematically learn financial knowledge and invest in high-quality financial products. No matter how much money you make, you must allocate your money correctly and always grasp the 28 rule of financial theorem, that is, 20% of your life and 80% of your finances. Financial management is also divided into the law of 28, 80 percent of fixed savings, and the other 20 percent can be invested with high risk, so that it will not affect our lives, and we will accumulate more and more wealth if we develop a good financial management concept of Mu Chi.

It's about learning the right way to spend money – investing, not just spending and spending it. Therefore, in addition to consuming the necessities of life, the money we spend has its added value. Only by establishing a correct concept of consumption can financial management bring us the maximum and stable income of the shirt.

Establish a correct and rational view of consumption:

1. Live within your means and consume moderately. Spend within your means.

Income includes both current income levels and expectations of future income, which means that people need to consider the dynamic of income capacity when consuming.

2. Avoid blind obedience and rational consumption. It is necessary to avoid blindly following the trend, avoiding emotional consumption, and avoiding the tendency to focus only on material consumption and ignore spiritual consumption.

People's consumption behavior is always affected by consumer psychology, such as herd psychology, comparison psychology, etc., which will affect consumers' irrational consumption, so remember to pay attention to avoid blind herd in consumption. In addition, it is necessary to try to avoid emotional consumption, which can cause waste due to a lack of cool-headedness.

It is necessary to persist in proceeding from the actual needs of individuals and consume rationally.

3. Protect the environment and green consumption. In the face of severe resource shortage and environmental pollution, we should establish the concept of ecological civilization and maintain harmony between man and nature.

Our country has put forward the implementation of "sustainable development" and "scientific concept of development", and we should also start from ourselves, maintain the harmonious development of man and nature, and engage in green consumption, that is: saving resources and reducing pollution; Green life, environmentally friendly purchase; Reuse, reuse; Be a green consumer.

4. Be diligent and thrifty, and work hard. A nation without the support of the spirit of arduous struggle is difficult to be self-reliant and self-reliant; A person who does not work hard is difficult to overcome difficulties and achieve a career.

Diligence and thrift and hard work are the traditional virtues of the Chinese nation, not a specific consumption behavior, but a national spirit. As a spirit, it never goes out of style. We should all the more carry forward the fine work style of being industrious, thrifty, and working hard.

1. First of all, we must make a reasonable plan, live within our means, do not blindly follow, do not consume ahead of time, and have a sense of rational consumption.

2. Be cautious in investment and financial management, don't be envious when you see other people's **** daily money, and blindly follow the investment.

3. Have the concept of saving, no matter how much money you have, you must make reasonable arrangements and force yourself to save. Set a small savings goal for yourself, it is recommended to divide your monthly salary into three equal parts, one for daily living expenses, one for living emergencies, and one for storage in the bank, of course, there is a certain risk of money in the bank, so it is recommended not to put eggs in one basket.

4. Saving money is also a way to manage money, properly control your material desires, consume reasonably without affecting the standard of living, do not consume ahead of time, not only spend money, but also learn to manage money.

1. Assess your risk tolerance.

Understanding your own risk attributes is a prerequisite for financial management. However, due to the lack of professional knowledge and quantitative evaluation tools, many people do not have an objective understanding of how much risk they can take. The risk assessment conducted by banks when recommending wealth management products to customers can solve this problem.

2. Pay attention to the risk situation of the product.

There are many types of bank wealth management products, and the investment direction is very different, so you should have an in-depth understanding of the product when choosing it, and understand the various risks that may arise in the product, including the most adverse investment results that may occur. As much as possible, do not choose products with complex designs, which you cannot understand and cannot accurately judge the risks.

3. Choose the bank's advantageous areas.

There is no doubt that there is a specialization in the industry, due to the positioning and historical development of the bank itself, generally each bank has its own traditional advantage projects, good at, focusing on different investment areas, these specialties will also be reflected in the wealth management products issued by them, and the choice of such financial products can obtain certain advantages compared to guarantee.

Fourth, understand the investment research capabilities of investment consultants.

Many bank wealth management products are mainly managed by the investment consultants hired by the bank, and the investment consultants are generally served by ** companies, ** companies, etc., and the strength of their investment and research capabilities largely determines the income and risk control capabilities of the products, so investors should pay attention to understanding the investment and research capabilities of investment consultants.

Fifth, understand the rate of the product.

Some wealth management products sold by some banks also have a "revenue sharing clause", that is, after the wealth management product obtains more than the agreed income, the bank will withdraw part of the excess income as performance remuneration. These investors should have a clear understanding when subscribing (subscribing) to avoid disputes and other situations.

6. Understand the liquidity of the product.

Most of the bank's wealth management products are not allowed to be redeemed in advance and pledged. A small number of products that allow early redemption will have many restrictive clauses attached. In terms of opening hours, it is generally open quarterly, semi-annually or even once a year, rather than redeeming at any time; In terms of redemption amount, it can generally only be redeemed in full, not partially.

7. Understand the expected benefits of the product.

The expected maximum return is only a reference return calculated by the bank under normal market conditions, and the expected maximum return may not be achieved if the market environment changes significantly during the life of the product. In addition, some banks' wealth management products implement differentiated pricing methods, and the expected income is divided into different grades according to the size of the customer's purchase amount.

8. Understand the actual investment period of the product.

Generally, the actual investment period of bank wealth management products is higher than the period marked on the product manual, because the time of purchasing bank wealth management products is not equal to the investment start date, and the investment start date is usually later than the product purchase date; Second, after maturity, due to the need for liquidation by the bank, the date of arrival of funds will generally be later than the maturity date of the investment.

Financial Planning Steps and Cores:

The first step is to look back at your assets.

zhi。It includes the expected return of existing DAO assets and future revenue.

Knowing how much money you can answer is the most basic premise.

The second step is to set financial goals. It is necessary to qualitatively and quantitatively clarify the financial goals from the specific time, amount and description of the goal.

The third step is to figure out what type of risk appetite is. Don't make assumptions about risk appetite that doesn't take into account any objective situation, for example, many customers put all their money in **, without taking into account their parents, children, and family responsibilities, and at this time his risk appetite deviates from the range he can afford.

The fourth step is to make a strategic asset allocation. Make asset allocation among all assets, and then choose the investment variety and investment timing.

The core of financial planning: the process of matching assets and liabilities. An asset is the ability to stock assets and income from the past, i.e., assets in the future.

Debt is the responsibility of the family, to support his parents, to raise his children, and to provide for his education. The second is the goal, the goal has also become our debt, to have a high quality of life, so that your assets and liabilities are dynamically matched, this is the core concept of personal finance.

Although the province is very important, it will not save a lot of wealth by relying on the province alone. The current financial management concept advocates reasonable planning of your expenditure, reasonable consumption, and reasonable investment and financial management. Choosing Songhan Investment is the right one.

1. Determine the goal.

2. Analyze the investment market.

3. Make a plan.

4. Persistence. 5. Make sure that the investment department loses money every time.

6. Repeat the above.

How to establish a correct concept of wealth.

Having a correct financial management concept is the premise of investment profit, and the correct financial awareness is as follows:

1. Financial management is a long-term process, winning and losing in a short period of time does not mean anything, let alone always thinking about getting rich overnight;

2. Project investment is risky, and financial products must be selected within the scope of their own commitment, and high returns must be accompanied by high risks;

3. Financial management is a choice under the premise of ensuring the basic quality of life, and there is no need to blindly follow the trend in order to make money.

Since most ordinary people have to rely on their own hard work to make a living, and there are no rich parents, no one will pay for themselves, if they usually do not have a correct view of financial management, they still use only the money every month, and when there is an emergency to ask for money later, it is very difficult.

Therefore, it is very important for ordinary people to establish a correct view of financial management, first of all, to accurately understand financial management, know how to manage money to make money, and then it is recommended to read more materials on mobile phones or read more books to learn and master some basic financial professional knowledge.

At the same time, it is necessary to understand that financial management is also risky, but the risk of financial management will be divided into levels, the general risk is low, the relativity of the return will be relatively low, the return and risk are corresponding, and there is no need to selectively ignore the high risk under the premise of looking for high returns.

If you don't know much about financial management, don't choose high-risk financial management, you can give priority to low-risk financial management, for example: Alipay Yue Bao and Change Pass The risk is very low, although it seems that the money you earn every day is not much, but the accumulation will be more.

In addition, a certain deposit is very important, although financial management can generate income, but also there are risks, if all the purchase of financial management, there must be no sense of security, so a certain deposit is very important, the deposit is able to guarantee the bottom and interest.

The above is the basic knowledge of "why it is necessary to establish a correct view of financial management".

The correct concept of financial management has a plan to arrange one's own financial management, and one cannot squander without regularity, and needs to set goals, so as to stimulate one's own forward momentum. You can also plan your financial management concept reasonably.

The correct concept of financial management is to spend what should be spent, and don't spend what should not be spent; Because we must have the awareness of being prepared for danger in times of peace, we must not spend money indiscriminately, and we must also invest correctly without too much risk.

The correct concept of financial management can help us make better money, first of all, we must grasp a good attitude when managing money, secondly, we must take out excess money to manage money, can not put all their money on financial management, whether financial management is made or lost, we can not be too anxious.