With a monthly income of 12,000 yuan, how to manage money

Hello. Let me give you a brief introduction to a few theories in this regard

1,4321 Law: The rational allocation ratio of household assets is 40% of household income for housing and other investments, 30% for family living expenses, 20% for bank deposits for emergency needs, and 10% for insurance.

2,72 law: If you don't get back the interest, the time required to double the principal is equal to 72 divided by the annual rate of return, for example, if you deposit 100,000 yuan in the bank, the annual interest rate is 4%, and the annual interest rate can be changed to 200,000 yuan in how many years? The answer is 18 years.

The rule of 3,80: The reasonable proportion of venture capital in total assets is equal to 80 minus age, and add a percent sign (%) to the number of age for example, venture capital can account for 50% of total assets at the age of 30, and 30% at the age of 50.

4. The Double Ten Law of Family Insurance: The appropriate amount set for an ordinary family insurance should be 10 times the annual family income, and the appropriate proportion of premium expenditure should be 10% of the annual family income.

Hope mine can help you.

Hello First of all, congratulations on your financial awareness.

As a modern person, financial management is a necessity, as the saying goes, you don't manage money, money doesn't care about you.

Let me introduce you to the configuration of a family property.

Our family should generally have three accounts.

1. The cash account is the money that needs to be used now, or the money that needs to be used in the short term, and the liquidity of the money must be strong, and it must be available at any time, and the quota of this account should be about six times your daily expenditure, that is, your six-month expenditure is about six times more than six times is the idle assets, and less than six times is that your quota is insufficient. This account is your bank deposit.

2. Planning account is the money to be used in the future, or the money to be used for a long time, the security of the money is required to be strong, and the value must be maintained and increased The quota of this account should be about 15%-20% of your annual income. This account is your average annual insurance investment.

3. The investment account is basically not used The amount of money required by this account is high yield There is a formula to introduce to you The quota ratio is (80 - your age) * 100% You can multiply the calculated percentage by your total assets to get the maximum limit of your investment Otherwise, your property risk will be very high. This account is the account where you buy ** real estate and other investment methods.

Having said that, I'm mainly trying to tell you that if you have money to spare, you can do the math and then come to a conclusion about how to use it.

4321 financial management law, saving about 15,000 yuan a year in insurance.

**, **Regular Investment, Jingdong Finance, and Yu Bao can all be seen.

Most of my money is spent on daily life, such as eating, drinking, buying clothes, and following my own expenses. Basically, it was spent on the cutting edge, and there was no extravagance.

According to the current level of my salary of 8,000 yuan, a salary can be split apart, and there is an average of about 3,000 left every month, and the positive ones will be divided according to their needs. First, deduct a basic rent of about 1,500 yuan, and then add a daily consumption of about 1,000 yuan.

A sum of money can be used to buy on-site ** financial management, two ** ticket accounts each have a sum of money to buy**, and there is still a sum to buy off-site**. The most important thing is stability, there are dividends every quarter, and you don't earn much, but the drawdown is basically very small, and the drawdown may be lower than the drawdown in a year.

In fact, a person feels that he doesn't spend much money, after deducting the rent and daily consumption of groceries and meals, there is basically not too much business to burn money, most of the money, I can be used to invest, buy ** is my main hope, generally preferably in the field, because I have two ** ticket accounts, so it is also split two, one mainly buys the growth of **, one mainly buys bank stocks-based pension stocks, so down, the current income of dividend stocks is higher than buying growth stocks.

Because I don't have any debts, and I don't have any burdens, I just hope that my stable salary can arrive on time every month, and then save money according to my plan, I hope to continue to persevere, I have already bought a house in the first few years, and I have done a good job of investing, and now I will continue to start again, don't go into debt, don't spend more than I can afford, curb unnecessary expenses, save money, and then bring the money back to my hometown for the elderly.

How to manage money with a monthly income of 8000? If a family earns 8,000 a month, it's not bad. In addition to daily life, you can balance a large amount of money every month, so how can you manage your wealth to increase your wealth? Next, I will introduce it to you.

Monthly income 80,000 financial strategy1. Calculate the basic living expenses (rent, water and electricity and other daily expenses) each month through the usual bookkeeping (Alipay, hand-keeping accounting software), and each family is different according to the number of family members and the number of human contacts. Here, the calculation is based on the standard of 3,000 yuan per month.

2. The remaining 5,000 yuan per month can be used for financial management. Take out 500 yuan every month to save a deposit slip for fixed life and two pennies, and you can save 6,000 yuan in a year, which is mainly used for the adjustment of living expenses**. In the event of an emergency, such as the illness of the parents, a large amount of gift money and other expenses, the fixed two-penny deposit slip that has not been withdrawn for three months can be converted into a three-month deposit certificate with automatic rollover, so that the funds can be used flexibly to obtain bank interest to the greatest extent.

500 yuan per month is used to buy medical insurance and commercial insurance, and then 500 yuan is withdrawn every month, and 6000 yuan a year is used for pocket money and entertainment expenses. The rest of the money can be used to deposit part of the time deposit, and the other can be invested in **** or Internet financial management.