How to manage your money with a salary of less than 2,000 yuan a month

Six habits to develop when managing money.

Habit 1: Keep a record of your finances. If you can measure, you must be able to understand, and if you can understand, you must be able to change.

Without consistent, organized, and accurate records, a financial plan is impossible. Therefore, it is necessary to keep a detailed record of your income and expenditure at the beginning of your financial plan. A good record can enable you to:

1. Measure your economic status——— which is the basis for making a reasonable financial plan.

2. Effectively change the current financial management behavior.

3. Measure progress towards your goals It is important to note that to keep financial records, you must also establish a file so that you can know your income, net worth, expenses and liabilities.

Habit 2: Be clear about your values and economic goals.

By understanding your own values, you can establish economic goals that are clear, unambiguous, authentic, and feasible. Without clear goals and directions, you can't make the right budget; If you don't have enough reason to discipline yourself, you won't be able to achieve the goals you want in 2, 20 or even 40 years.

Habit 3: Determine your net worth.

Once the economic records are in place, it is easy to calculate net worth——— which is how most financial experts calculate wealth. Why do you have to calculate your net worth? Because only by knowing your annual net worth will you know how much you have moved towards your goal.

Habit 4: Know your income and expenses.

Few people know exactly how their money is spent, or even how much they earn. Without this basic information, it's hard to create a budget and plan how to spend it, and you don't know where to spend it, and you can't make reasonable changes in spending.

Habit 5: Make a budget and implement it accordingly.

Wealth is not about how much you earn, but how much you have left. Budgeting may sound boring, tedious, and contrived, but you can find out where a large amount of money is going in the little things you spend on a daily basis. In addition, a specific budget is very beneficial for us to achieve our financial goals.

Habit 6: Cut expenses.

A lot of people complain at the beginning that they can't afford to invest more money to achieve their economic goals. In fact, the goal is not achieved by a large investment. Cut back on expenses and save every dollar, because even a small investment can lead to a lot of wealth, such as:

What is the result of saving an extra 100 yuan every month? If you start investing at the age of 24 and can get an annual profit of 10, you will have 20,000 yuan at the age of 34. The longer the investment, the more obvious the effect of compound interest becomes.

Over time, the profits from saving and investing have become even more apparent. So the earlier you start and the more you save, the more the profit will multiply.

You can invest regularly and save compulsorily. But it's the latter.

You set your own expenses for the next month, and the rest is still saved, it is great to be able to save up to 500 yuan a month, and you can still save a little in a year.

If you don't have these, in addition to daily consumption, it's good to handle a small deposit, 500-1000 fixed savings per month, so you can also limit yourself from spending money, that's what I do, I'm better at not renting a house or anything, the consumption level in the city is not high, you can have a surplus.

Go to the bank to make a small deposit and withdraw it, and it is better to save the first pot of gold for yourself first.

Then ignore it, it's useless.

If you are using a salary of 2,000 a month to manage your finances, buy an insurance!

1. If you want to have a higher return, you can make a fixed investment, and you will invest 300 or 500 per month, and there will be a lot of value-added in a few years, of course, there is a small part of the risk in it. 2. In addition, give yourself 100 accident insurance, the insurance amount is generally 100,000 and 10,000 medical treatment, only spend 100 yuan a year, once the risk occurs, then the amount of protection is your own income in the next 6-7 years, which can solve many problems. 3. Insist on saving 500 yuan every month for a one-year period, so that from the second year onwards, 500 yuan will be withdrawn every month, plus the salary just paid and then saved into a one-year fixed deposit, let the money snowball.

4. Open source and reduce expenditure, pay attention to frugal and rational consumption. Develop a good habit of bookkeeping, know that your money is used in **, wasted in **, etc. Note:

You don't manage your money, you don't care about it. You must plan for the future reasonably.

Depending on the consumption level of your location, it is better to save some flowers.

I see you:1Set aside 70% of your daily living expenses; 2.

Then invest 10% of your money in learning, (because as long as you keep learning and improving yourself, your income can be improved.) 3.Take another 10% of your insurance against accidents for you and your family.

Or health insurance, in case something happens to your family that can save you from the worry of having to borrow money here and there for huge expenses. 4.Use your last 10% to pay off debts or invest in a fixed property, or invest in a property with growth potential, such as muscle tickets, so that you can make a profit.

If you can do this, you will be able to live the life of 5% of the world's people in the near future.

1.Bookkeeping: Take care of your monthly financial income and develop a good habit of bookkeeping, which can not only ensure normal living expenses, but also control impulsive shopping behaviors and save unnecessary expenses.

2.Card: It is recommended to apply for a debit card and an overdraftable credit card in the same bank, and then divide the monthly income into two parts, one part is used to buy currency** for emergency needs (the total amount is kept at about 2400 yuan, which is three to six times the average monthly expenditure), and the other part is used for regular savings or the purchase of wealth management products or **regular investment, and most of the daily consumption is overdrawn with a credit card.

The biggest advantage of this is that when you buy your income in currency**, you can get the corresponding income, and at the same time, your daily consumption will not be disturbed, and you can use the interest-free period of the credit card overdraft to get the income of buying currency**. After receiving the credit card bill every month, you can make an appointment to redeem the corresponding amount of ** repayment through online banking.

In this way, you can make a non-principal investment through overdraft, redemption at maturity, and repayment after repayment.

3.Insurance: It is recommended that you can pay about 500 yuan per year for yourself to purchase a personal accident insurance package.

4.The earlier you plan your finances, the easier it will be to achieve your goals. You can make a simpler planned budget for future goals.

For example, after 3 5 years, earn a full principal of 100,000 yuan to open a store, get married and have children after 5 years, raise children and educate about how much to invest, retire after 30 years of work, etc., for short- and medium-term goals, you can use the purchase of short-term bank products (such as ABC Ben Li & Fung products, treasury bonds, etc.), growth risk products (such as **, **, etc.) to build an effective investment portfolio, and for long-term goals, you can use ** regular investment method to prepare for future goals, such as children's education (200 yuan per month, term of 15 years) and pension ( $100 per month for a period of 30 years), etc.

Financial advice: When choosing a personal small investment wealth management product, you should understand your risk tolerance and choose the right financial product. In addition, while accumulating experience, investors should continue to learn new financial knowledge and improve their ability to invest and manage money. This is the premise of investment and financial management, no matter what kind of investment and financial management, there will be risks, so this aspect is well grasped, in order to maximize returns.

There are many ways of personal investment and wealth management in China Merchants Bank, such as: wealth management products, fixed periods, treasury bonds, **, etc., if you use our bank card to purchase, it is recommended that you can go to our bank outlets to consult the relevant advice of the wealth manager.

As the saying goes, if you don't manage your finances if you earn more, you will lose money. I also have a few thousand dollars a month, but in addition to my daily expenses, I will definitely have some leftovers, and I will either save the rest of the money or invest it in those more stable ** projects. However, daily expenses must be paid attention to, first of all, we must control the number of times we eat out, if there are ten times in a month to eat out, then the liking fee is quite a lot, so reduce the number of times we eat out, and control it within five times.

The purchase of clothes in the change season should also be controlled within 2000, and the rest should not be bought at will.

First of all, you have to choose the right product, sometimes the income is about to catch up with the salary, you can try CIC Morgan, many people around me invest in this, I just invested another 50,000 last week.

It depends on how much surplus there is after deducting food, clothing, housing and transportation.

The money you need to use on a daily basis can be deposited in Yu'e Bao, and the interest of Yu'e Bao is still a little higher than the interest on bank fixed deposits.

With the remaining money for daily expenses, you can consider buying some bonds**, which have low risk and slightly higher income than Yu Yu Bao.

If you can bear the risk, you can also buy some ****.

You can put it in Alipay to buy bonds, or**.

You can invest regularly.

You can deposit and withdraw a lump sum deposit.

It is possible to use the 12 certificate of deposit method. The 12-deposit certificate method, that is, a savings and investment strategy that deposits a deposit in the bank for a fixed period of one year every month, adheres to a full 12 months, and will obtain a large amount of regular income every month from the first month of the following year, which has both the two outstanding advantages of flexible access and high returns.

It can also be placed in the balance wealth management of each bank, and then buy a fixed wealth management product when the accumulation reaches a certain integer.

Consider trying to invest! **, now the main control is too strong! **You can consider doing it!

1) The difference between **investment and **investment.

**Investment only requires margin to be traded, which can be small and large.

Investments can be traded 24 hours a day, while they are traded for a limited time.

Regardless of the rise and fall of investment, there are profit opportunities, the profit ratio is unlimited, and the loss amount can be controlled. And ** is only when there is a profit opportunity in ****.

**Investments are affected by the global economy and are not controlled by humans. And ** is easy to be controlled by people.

Investment transactions need to choose from many, and investment transactions only need to specialize in the analysis of one project, which saves time and energy.

Investment transactions are not subject to any taxes, while stamp duty is payable.

Does the company cover food and accommodation? If you take 300 out for usual consumption, it is considered to be a good life, and the rest is saved, after all, there is no money in the passbook and you will feel uneasy.

I don't know if you have understood**Fixed investment, when you understand this, I will help you analyze it specifically, and I look forward to your reply.

After deducting expenses, others can only choose a good form of savings, and it is not realistic to engage in investment.

1. Think about how the Red Army spent its days during the Long March.

2. Then take 500 per month for ** investment.

3. The rest depends on the consumption level of the region you are in. If you don't even have enough for daily consumption, save it.

Then keep the accounts first and see where the money goes.

Then save money first.

It's nice to be able to save a little bit every month.

If someone saves 500 a month, it's very good.

200 deposit insurance.

300 deposited in the bank.

Use a financial management software to write down your daily expenses, sort them out, and see which aspects are used the most, whether they are necessary, and whether they can be saved.

In addition to daily living expenses, another 20% is set aside for liquid savings, that is, about 400 in the bank; If you have a preference for venture capital, you can take out about 30% for risk investment, foreign exchange speculation, etc., if you don't want to take too much risk, you can choose investment methods such as regular investment. At the same time, it is also appropriate to invest a little in insurance. Furthermore, it depends on what goals you want to achieve in recent years, and appropriately combine the structure of wealth management products according to your goals.

It is enough to save 1500 yuan first and keep 500 yuan on you.

Spend fifty percent of the rest on the card.

Have a plan, use as much as you want, and save as much as you want.