How should I manage my money with a monthly income of about 4,500, and I want to buy a car in instal

First, you first deposit 20,000 yuan into WeChat Wealth Management or Yue Bao, deposit it into regular financial management (high interest), and then suggest that your company deposit 1k-2k every month, which ensures that you can take out less loans when you buy a car by the end of the year.

It depends on what kind of car you plan to buy.

If you don't want to take out a loan, you can save in a plan.

2,000 a month, about 100,000 in three years. You can buy mid-range cars such as Elantra, Elysée, and Formira.

Of course, if you plan to buy a mid-to-high-end or high-end one, it is recommended.

1: Pursue a second career and increase your income.

2: Save 4,000 a month, 240,000 after five years

3: Mortgage to buy a car.

In short, you need to save on daily expenses.

Don't let buying a car compromise your quality of life.

If you buy a car and eat, you have to go to a big restaurant, not a stall. A lot of things you want to save can't be saved.

Pay attention to yourself.

There is nothing, you don't need to manage your finances to buy a car with a mortgage, people are forced out, either the society or yourself!

1. The car is a consumer product, and you will spend a lot of money after buying a car (not counting the loan you repay the car) 2, and now the bank interest rate is very unstable and will be raised at any time. Once it does go up, your monthly mortgage bill will increase dramatically.

3. Even if the bank interest rate remains the same, it will take you many years to pay off the loan.

Advice, instead of focusing on paying off your mortgage early and buying a car, you should focus on making your wife's own business bigger. Increase your income first, and then increase your expenses.

It's good to have goals and ideals. Monthly expenditures. Loan repayment 1020 + living expenses 2000 + 500 yuan reserved for emergency = 3520

There are about 1,000 pieces left. Save it up. Wait a few more years to buy a car.

That's it. Life will be more exciting.

Wait a few more years to buy a car. That's it. Life will be more exciting.

That's right. Remember to adopt it.

Do you want to do financial management or investing? This need or you continue to save money and make money, there is to do financial products, we are engaged in the Shanghai ** exchange and major banks to cooperate with the **** TD trading, this is this year's more popular investment, but it still depends on your ability and economic strength to do, investment needs to be cautious, need to be calm.

It is recommended not to buy a car, because buying a car is a consumer product, so consider it for investment.

The plan is as follows:

1. First of all, set aside the reserve fund is about 10,000 yuan as a reserve, which can be used to buy currency, which can be fully utilized. (The interest rate is greater than that of demand deposits).

2. You can buy several ** including ** hybrid bond ** due to the young age of the family in this case The investment ratio is 50%** 40% hybrid** 10% bond ** (first understand the **type, allocate funds according to the plan and adjust it in a timely manner!) Proper management can increase your wealth and save it for the purchase of a car).

3. The total income of two people per month is about 6500-7000 yuan, excluding the monthly expenditure is 3000 yuan, and the remaining funds are 4000 yuan! You can choose to invest regularly** You can choose 3 branches** It can be an index type** Mixed type** Each fixed investment is 1000 yuan, and the continuous regular investment time is 18-30 years! It can be fully prepared for the future pension and children's education reserve.

There are 1,000 yuan left. You can buy insurance, it can be participating insurance, medical insurance or pension insurance! Approximate premium: about 400 yuan per month for two people (accounting for 10%-20% of total income, you can compare and understand the type of insurance) The remaining 600 yuan can be accumulated regularly **300 yuan for long-term investment!

The remaining 300 yuan can be used to save pocket money or travel expenses to travel regularly! (Funds can be combined with their own flexible planning).

Hello friends.

First of all, it is necessary to clarify the purpose of financial management. That is, how to achieve a goal and result of financial management.

Secondly, given the financial conditions, such as the financial cycle, available funds, expected return value, and so on.

Third, according to the current economic conditions, individuals have simply combined: deposit + insurance + low-risk return wealth management products.

Deposit is a prerequisite in any case, but also a necessary condition, without deposit, it basically does not have the basis for investment and financial management. Insurance is an appropriate investment, mainly focusing on insurance protection, and the benefits are secondary, and the main purpose is to prevent damage caused by possible events in the future.

We manage our finances according to the theory of 1:1:1 to manage our finances, the first 1 to solve their daily expenses of food, clothing, housing and transportation, the second 1 can make fixed deposits, and the third 1 can consider investment and financial management.

Now**and**More than 90% are loss-making and are not recommended.

No matter what investment is risky, what we need to do is to control the risk, reduce the risk, and obtain greater benefits.

To make an investment, you must start with a small amount of money and gradually make a profit. Recommended in stock.

The risk is small, the cost is low, you can buy up, you can buy down, buy and sell at any time, the day is not limited to the number of transactions, I have been doing spot for a few years, if you are interested, you can find me to communicate, to provide you with professional technical guidance.

It depends on what car you buy. As for financial considerations, you still don't want to buy a car. Buying a car itself not only depreciates but also has monthly expenses.

With an income of more than 6,000, I don't know how much you have to spend on life. And the visible money of the car is just more than 1,000 a month. Even if you have the money to buy a car, the monthly payment after buying a car is still a bit unaffordable.

There are many wealth management products, and now major banks have launched wealth management products, but generally speaking, the investment income is not very high, and the sealing period is long, but the bank's wealth management generally does not have any risks.

If you pursue high returns, you can go to the company, or financial institutions to consult, as far as I know, the company has a product called pledged repurchase with less risk, higher returns, no sealing period, and more flexible.

If you can save 3,000 yuan a month, you will be able to buy a car in three years in a year.

As for financial management, most people think that if they learn how to manage money, they will be able to make money, but they don't know that financial management = saving money + making money with the money in hand The key is how to make money As for the so-called financial management books, it is all nonsense, it is to talk about what can make money, as for how to make money, earn or lose, and how much you earn depends on your own vision and creation.

The premise of financial management is to protect the capital and then ensure that there is a certain return on investment, so it is recommended to choose some investment methods with relatively low risk.

First of all, you can consider a part of the long-term stable income investment, such as ** regular investment, buy 300-500 yuan per month, and hold it for a long time.

Another part of the deposit, you can buy paper**, and the income is relatively considerable.

There is also a part of the deposit, which can be used to purchase short-term wealth management products of the bank, with a short cycle and low risk.

Finally, the money that may be used at any time can be used to buy currency**, which can be purchased at any time, redeemed at any time, and the money is more convenient and flexible, and the yield is higher than that of depositing in the bank.

The above wealth management products can be purchased directly by going to the bank, and if you open online banking, you can buy them directly online. Go to the counter and ask!

1. Make a deposit first.

2. Make a down payment.

3. Refinancing.

4. Repay the loan.

If you can save a surplus of 2000 every month and make a regular investment (assuming an annual return of 10%), you can have 155666 for five consecutive years, 412298 for ten years, and 835384 for fifteen years.

It's okay to do the Far East's *** spot.

It depends on when you are ready to buy!

There are many ways to manage your money, but it's important to find the one that best suits your current situation. According to what you said, it only takes 1,000 yuan to solve the problem of food and clothing a month, so your impulsive consumption should be suppressed. Leave yourself 2,500 yuan per month for living expenses, including unexpected expenses, and deposit them into a bank card.

Every time the bonus is issued, 2,000 or 1,000 yuan will be deducted and deposited into the bank card. That is to say, there are only two parts of the funds on your bank card, one is the 2,500 yuan deposited in the monthly salary, and the other is the 2,000 yuan that is deducted from the bonus each time. The rest is recommended that you buy into **or**, both of which are relatively stable and relatively low-risk, but there are also risks, and someone will explain them to you in detail when you go to **exchange or**will.

There is also a very popular investment guarantee, but this must be cautious, choose a good company on everything OK, choose a bad company may not even have the capital, this you have to go to the field to understand your guarantee company, the general commitment to give interest can not exceed 4 times the bank interest, or not to designate the pit people, unreliable, not protected by national laws at all. I don't recommend it, it's too risky, and the current one is really not very good.

If you are still not at ease, then you can directly save the investment, and you can save money.

And depending on what you said about your girlfriend's situation, if conditions permit, you can spend one person's and another person's money management.

The monthly salary can be divided into 4 parts, one: deposit (people must save some money, and you can take it out in the future) two: investment and financial management, after work, if you have nothing to do, you can see at home what can make money drip?

For example, if you buy some **, you can buy it in batches, and you can't be in a hurry. Three: Your food, clothing, shelter and transportation.

Money, if you don't have it, you can make money, the key is how you manage the money well, which is the important drop. Just work hard.

If you are a relatively stable income and people are forced out, it is best to buy a small apartment (about 50-60 square meters) if you can raise a down payment for a house. At that time, you can save 600 yuan per month in rent. That's your fixed asset.

If you don't have enough money, buy a second-hand house. Set aside 1,000 yuan for monthly liquidity. If you can save it, you can save it, and you will come to it with all your bitterness...

Hehe, the money left over after you go out for daily expenses can be used to invest and buy dividend insurance.

You can also do some financial products with a small investment amount, such as spot agricultural products. It's good to learn some financial experience, in today's society, it is really difficult to live without knowing how to manage money.

Existing good projects to attract investment. Invest 10,000 yuan a month to earn 1-40,000 yuan. It can be operated at home. Trading is available 24 hours a day, Monday to Friday. Detail.

Deposit 2000 per month, 1500 per month for living, 500 per month for other expenses, and 500 per month for insurance

This income is usually just enough for the monthly payment. Although you have not bought a house, it is recommended to save money for the monthly payment every month to adapt to the life of the later monthly payment and save some savings. There's not much left, just enough to taste life.

You're still young and don't have a lot of income, so you don't have to think about complicated financial management so quickly.

You can make ** regular investment, about 600 per month.

Buy only ** learn to stir-fry.

Divide your money into several parts, part of the deposit and withdrawal into the bank, part of the money to the living expense card, and the rest to buy some ** to study, or to get a small business online.

To make an investment, you can come to do spot investment in agricultural products.

You really should learn how to manage money

It is recommended that you ** regular investment!

There are two types: open and closed, and the open can be purchased directly at the company, or through various banks. Closed** must open **account** and buy it like buying and selling**.

There are several types of open-ended, currency, bond, principal-guaranteed and open-ended. Currency**No subscription and redemption fee, the income is equivalent to a half-year to one-year deposit, which can be redeemed at any time without losing money. The subscription and redemption fees of the bond type ** are relatively low, and the income is generally greater than that of the currency type, but there is also a risk of loss, and the loss will not be very large.

**type** subscription and redemption fees are the highest, **assets are**, ** when ** there is a risk of loss, but if ****, there is a profit. Through long-term investment, the average annual return of ** type ** is around 18% 20%, and the average annual return of bond type ** is 7% 10%.

**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.

**Originally, it was the best choice for long-term gains. If it is a regular investment method, it can also smooth out the loss of income caused by short-term fluctuations, since it is the pursuit of long-term returns, you can choose the variety with the highest target return, index**. The index originally selected the target, the blue chip stocks and high-quality stocks in the industry with model representative significance, and avoided the risk of ** because it has a certain number of models.

And the impact of economic cycles on individual industries is avoided. Since it is a long-term fixed investment, it takes time to digest the inevitable high-risk characteristics of high-yield varieties.

It is advisable to choose products from high-quality ** companies. For example, ChinaAMC, E Fund, Southern, etc., it is recommended to use the CSI 300 and small-cap indexes. You can open an account through the company, let the professional investment manager serve you, and some index varieties are free of handling fees through the company, which reduces your investment costs.

There is not much money, there is no need to disperse the regular investment, use time compound interest to make money for you, and concentrate on one or two **. **Regular investment should choose the back-end fee model, and the dividend method can be reinvested.