With a salary of 3500 per month, how to manage your finances reasonably?

The fundamental purpose of financial management is to plan ahead and not to be shy when you need money urgently. Insurance is a fundamental part of financial management.

The key to financial management is to plan and use funds reasonably to maximize the effectiveness of limited funds.

Specifically, the following aspects should be done:

1. Learn to throttle. Salary is limited, unnecessary money to save, as long as you save, you can still save a considerable amount of income a year, this is the first step in financial management.

2. Do a good job of open source. If we have surplus money, we must use it rationally to maintain and increase its value and make it generate greater returns.

3. Be good at planning. The purpose of financial management is not to make a lot of money, but to make the future life secure or better (so financial management is not only the business of the rich, the working class also needs financial management), and it is important to be good at planning for your future needs.

4. Reasonably arrange the capital structure and seek a balance between actual consumption and future income, which can be entrusted to professionals to design for reference.

5. Consider the rate of return according to your own needs and risk tolerance. A high-yield financial plan is not necessarily a good plan, but a plan that suits you is a good plan, because the higher the yield, the greater the risk. The plan that suits you is the one that can achieve the desired purpose with the least risk, and don't blindly choose the plan with the highest rate of return.

Remember: the purpose of your financial management is not to make money, the activity for the purpose of making money is called investment.

1. Learn to keep accounts. Don't let your wallet get empty in the unknown.

2. Reduce unnecessary expenses and liabilities. That is, you can save it.

3. Put an end to excessive consumption and make reasonable use of credit cards.

4. Invest in a fixed amount on a regular basis, such as buying ** and treasury bonds.

5. Give yourself an insurance.

It is better to diversify your investments.

According to your own risk tolerance, choose a part to buy treasury bonds and fixed deposits.

Part of it invests in some**, **, etc.

It is also possible to choose a monthly fixed investment** for long-term investment and financial management.

You can buy some wealth management products.

or **Redemption conveniently.

At present, the salary of most recent college graduates is about 3,500 yuan, and then Jintou introduces the asset management method with a monthly salary of 3,500 yuan.

Once the monthly salary is in hand, it is possible to deposit the salary into 5 accounts in order. These accounts do not have to be bank accounts, but can also be asset management accounts such as secure currency**. It is important to note that the money in these five accounts has a fixed purpose and cannot be misappropriated from each other.

Account 1: Fixed Expenditure Account.

With a monthly income of 10,000 yuan, 3,000 yuan can be transferred to the first fixed expenditure account: this account is generally a bank card, which is mainly deposited into housing loans (rent), living expenses, tap water bills and other money that must be paid every month. The appropriate billing department can be contacted.

For example, when a loan, water bill is due, the account can be automatically debited. This account is the money that must be spent every month, it is fixed, and you only need to deposit according to your usual amount.

Account 2: Savings Investment Account.

Then deposit 20%-2,000 yuan of the salary into a second savings and investment account: an asset management account such as a bank card, safe currency**, etc., and the important thing is security.

This account must be deposited immediately after the settlement of the funds in the first account and is considered a mandatory deposit. Then this account continues to be dispersed on asset management platforms such as **, **, etc. This savings investment account is basically one of the main ** of the first pot of gold.

Account 3: Irregular account.

After that, 2,500 yuan can be deposited into account 3 - irregular account. Irregular expenses include 600 yuan for real estate, 800 yuan for favors, 500 yuan for clothes, etc. ；

It is best not to have a bank card for this account, and you can choose an asset management product with a slightly higher yield than the bank. Because the money in this account must be used in the future, but there is no rush or need for this month. So, deposit into this account first, and use it whenever you want, and maybe earn interest.

Account 4: Pocket money account.

After the account is divided, there is still 2,500 yuan in the salary card, and the salary card can be used as a pocket money shouting account, of course, it can also be cash, which is very convenient to use.

Account 5: Debt account.

The last one is the debt account. Debt accounts can be divided into high-quality debt and conventional overdrafts. The most common high-quality debt is credit card debt, which is actually an interest-free short-term loan, which is reflected in one of the important concepts of asset management, which is to make money, not idle money.

1. Learn to plan. Ordinary white-collar workers, for example, in second-tier middle and lower-tier cities like Jinan, can actually manage their finances with an income of 3,500 yuan. In fact, financial management doesn't care about making a lot of money, sometimes we just want to have a life security in the future.

It is good to have your own financial plan for financial management.

2. Arrange funds reasonably, for a monthly income of 3,500 yuan, you must find an equilibrium point, and make a capital structure according to your local consumption and an arrangement in the future.

3. In fact, while managing money, it is not to make money guess financial management, if it is very profitable, then it is not financial management, it becomes an investment. For the higher the returns, the greater the risk you will have. Of course, we have a salary of 3,500 yuan a month, so it is best to choose the one with less risk.

4. To learn to open source, in fact, you must have the remaining frank and auspicious land money, and you must use it reasonably to have a value-added effect.

5. Learn to throttle, after all, our monthly income is only 3,500 yuan, if we have unnecessary money, we have to save, in fact, sometimes you have money left, a year is also a considerable amount of money.