I have a monthly salary of about 1500 yuan, can you help me make a financial plan?

Personal finance methods.

Money professionals sometimes don't communicate very successfully with their clients, and they often ignore the psychological factors that influence their saving behavior. If you're having a hard time saving money just because you love to spend money, I suggest you try the following methods that will help you achieve your goal.

Think of saving money as a game. Once you realize that this game is full of intelligent challenges, you will be happy to succeed.

First, you have to figure out how to distribute your money. If you wish, you can put some of the money in a small pocket or envelope for emergencies.

The following methods are very effective, learn by heart, and you will definitely succeed.

1 Open your wallet, look at the colorful credit cards inside, and look for any bank credit card you haven't applied for yet. Don't worry, it's not for you to apply for a card from this bank, but to open a deposit account with this bank. Remember to just open a deposit account and don't apply for any kind of card from the bank.

2 Regularly withdraw $10, $20 or $50 from your payroll account, but not too much, into your new deposit account. Give yourself some time to adjust to a life where you have less cash at your disposal than you used to be, and see what changes you make. 2 After 3 months, increase the amount withdrawn from the payroll account each time.

3 Start with less. We recommend that you save 10% of your income, which is a good goal, and don't give up because you may not be able to do it. It's far better to develop a good saving habit and keep saving than if you deposit a large sum of money at once in a while.

4 Take $5 or $10 out of your wallet every day and put it in an envelope. Deposit a certain amount of money in the envelope into your bank account every month, and remember that sand builds up into a tower. Suppose you save $10 a day, that's $300 a month, and $3,600 a year.

5 Check your credit card statement to see how much you're paying with your credit card each week. If possible, reduce the amount you withdraw from your credit card each month, that is, keep your hands tight. At the end of each month, the saved money is deposited into a deposit account.

6 Draw your goal. Start focusing on why you're saving now. Saving money is not the ultimate goal, and no one will be interested in a "Grande"-style character.

Save money to achieve your goals, are you looking for a bigger house? Buying a car? For your baby?

Or are you planning to further your education? Or go investing? In short, draw down your goals and stick them on the refrigerator, kitchen door, dining table, and anywhere else you will see often, reminding you that your goals are always in mind.

You know, there's a fundamental difference between what you spend now and what you're going to spend later, and the latter is often referred to as savings. These goals drawn on paper will increase your motivation to save money.

7 Pay off the money you owe to the bank as soon as possible to reduce the interest you pay.

Once you've made it a habit to save and stick to it, it's time to think about how you can get higher returns. It is important to choose one or several investment styles that are suitable for you.

Learn and then look for opportunities for a better job.

First, make a fixed deposit and develop good habits.

Deposit is one of the most traditional and popular ways to manage money, for the "moonlight family" who has just worked and does not have much income, it is also unrealistic to transition to the stage of chadou thrift, so it is recommended that they can first try to save a sum of money every month, such as saving 500 yuan, and then slowly increase the amount. Of course, it is not necessary to save everything, after all, there are still some necessary expenses that need to be spent.

Second, you can try to buy low-risk financial products.

Now, there are many kinds of wealth management products on the market, and their respective risks are also different. At present, the main wealth management products on the market are treasury bonds, **, **, ** and the latest hot Internet financial wealth management products. In consideration of financial risks, it is recommended that they can buy some financial products with less risk, such as buying a certain amount of financial products or buying some financial products.

Third, fully understand P2P financial products and then invest.

In view of the low returns on deposits and purchases** and the direct impact of the People's Bank of China's benchmark interest rate adjustment, it is recommended that they can contact P2P wealth management products, and after having a full understanding of them, they can choose some reliable platforms to invest. At present, the average rate of return of P2P property products is about 10%, which is much higher than that of bank fixed deposits and baby products, so it is a good choice to reinvest after having a certain understanding of them.

This is enough to live, and it is recommended that you still use the money left after deducting living expenses to make an intellectual investment. Growing your earning power is your most urgent thing right now. The premise of financial management is to be financial, and you are not unreasonable at all.

For today's consumption, if there is a home, children, and the elderly, 1500 can't be used for any big purpose at all, and it's good to be able to maintain a living.