How to manage money with a monthly income of 7,000 yuan

If there is China Merchants Bank in the city, you can also learn about the wealth management of China Merchants Bank: at present, there are many ways for China Merchants Bank to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, etc.

Hello! There are many products suitable for financial management, in addition to bank fixed deposits, they also include bonds, credit cards, investment, insurance and wealth management. It is recommended that you should consider the specific product, your own needs and financial ability.

It is more suitable for those with higher income, but weak risk awareness, lack of expertise and spare time investment and financial management portfolio, it is recommended to follow the following steps: 40% cash, savings or bonds, 35% real estate, 5% insurance, 20% investment**.

In general, the basic steps that should be followed in investment and financial management are:

1. Clarify financial goals, find out financial gaps, reasonably set goals, clarify the gap with goals, and take into account short-term and long-term goals.

2. Self-test risk tolerance, reasonably plan the asset allocation portfolio according to your own risk tolerance to determine the asset allocation portfolio, and the risk is from small to large: deposits, bank-entrusted wealth management products, bonds, **, **.

3. Select appropriate financial products and investment methods, and determine the investment varieties and allocation ratios according to the asset allocation portfolio.

Depending on which one you want to do, there are many ways to manage money, such as stability, aggressiveness, conservativeness, and so on. Depending on your needs, you can also divide the funds into several parts to invest. It depends on your situation. Don't invest blindly.

To invest**, having a high finger is the best way to manage money.

Buy a lottery ticket and do good deeds even if you don't earn it.

Under normal circumstances, income can be divided into food, housing, transportation and others.

Food and shelter must account for the majority.

I think it's better to distribute it this way:

Living in a ratio of no more than 20% of the salary is the most comfortable. Then the rent is about 1200, I don't know how much the rent in Guangzhou is, I think the small apartment in the urban village will be better, if you are not afraid of trouble, rent farther, there are a lot of small single rooms for hundreds of yuan. I don't think I need 1200.

Of course, the less rent you make up for your income, the more you can afford to pay your salary).

Eat, for a foodie, my food is the majority. But I still don't think it's more than 40% of my salary. After all, eating is three meals a day.

40% of the salary should not exceed 2400, breakfast buns, soy milk, fritters, fried noodles or rice noodles (not full), no more than 5 yuan, about 150 a month. Lunch is 30, about 900 (after all, lunch is eaten in the company, and others will not see what you eat, but it can't be too shabby, it is still necessary to do superficial work), dinner is less than 20, claypot rice, fried noodles, fried noodles, wonton noodles, Shaxian snacks and so on are about 600 a month. The cost of supper, fruit, etc. is 300.

Occasionally, buy some braised pork and so on, and it's 100 yuan, and the food is about 2050.

OK, controlled within 150, basically it is also a farewell to taxis, the subway can be subway, and the bus can be bus. You also have to go to bed early and get up early, and don't be late or take a taxi.

Other expenses: phone bills, if it is not a sales post or other positions that need to play more, I think 150 is more than enough.

Favors are 500 yuan. The mouth of the cannibal is short, and the hand of the person is short. At any time, it is necessary for friends to treat each other directly, whether it is a drink or a meal.

The cost of going out to play is 500 a month. Staying at home on weekends is also a place to hide boredom from going out with colleagues or friends, fishing, visiting parks, attractions, etc.

The cost of learning, usually look at the knowledge of related industries, let's take the electronic version of the book to calculate about 50 yuan.

These all add up to about 4,600 yuan.

Then I have about 2,000 yuan left in a month.

Of course, this money should be saved for emergencies, such as if Mo Zhulu is sick and suddenly uses money, you can calmly take out the money.

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: Do not pre-bend the knowledge of expenditure.

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 (the remaining 1000 + emotional consumption balance + electrical consumption balance).

Four: Xiaojin holds the treasury 500 1000 (must be saved every month, not 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. Have a clear accounting of your income and expenditure.

2. Ensure a certain amount of safe funds and consider insurance investment.

3. In addition to deducting the above items and the daily expenses of the family, other amounts can be invested in financial management, such as **, private legal loans, and partnership investment. In the process of investment and financial management, the following questions should be considered:

1. It is necessary to grasp the principle that eggs cannot be put in one basket and adopt diversified investment;

2. Using time and compound interest to accumulate wealthTime is the most valuable asset;

3. It is necessary to do a good job in financial planning, put stability first, continuously evaluate the investment of risky friends, and take effective measures in a timely manner to prevent the expansion of risks;

4. Make full use of the high-speed information sharing characteristics of the Internet, obtain possible investment platforms in a timely manner, and increase the possibility and expansion of investment returns.