How do ordinary white collar workers manage their finances? How do female white collar workers manag

Keep your accounts for three months, and if you stick to it, it means that you are determined enough.

Let's talk about financial management.

1. Buy a savings insurance.

Because the white-collar workers are not very old, they take out more than 200 yuan a month to provide themselves with a savings critical illness insurance with dividends, and attach a major injury. In this way, if something unfortunately happens, at least it will not become a burden to my family in that remote mountain town (we are all drifting north), and it can also ensure that the country that I have worked so hard to build will not be crushed by illness or accident all at once. If you are lucky enough to be okay for the rest of your life, then you can also give yourself flowers or leave them for future generations when you are old.

2. Keep a running account.

Determine where your money is going each month. Do a rigorous look at the consumption that is not necessary and will not reduce their standard of living, or choose alternatives. After all, human desires are endless, and if they can't be told what is necessary and what is not, then where will the spare money necessary for financial management come from?

3. Take out the money from your own wallet.

My request to myself was that if someone gave me a five-dollar bill when I was shopping or spending, I would assume that the money didn't exist, take it out and put it in another pocket, and put it in a box when I got home. When you save 100 yuan, take it to the bank and save it at a convenient time. Also, the bank must not be near your place of work or home, and you should never apply for a card.

Industrial Bank, Minsheng Bank, China Everbright Bank, China CITIC Bank, etc. In this way, I have accumulated three more petrified ** in my hands, hehe.

4. Cook more in your own home, and don't always eat out.

5. Don't use credit cards.

Yue Bao Regular Investment** Wealth Management Product Insurance.

For small white-collar workers in first-tier and second-tier cities, the maximum monthly income is wages, and the rest is not more than capital income.

How to distribute the monthly salary reasonably.

1) 30% of the salary is set aside for living expenses.

First of all, one-third of the income is fixed every month to pay for living expenses, which can be used for food, clothing, housing and transportation, buying daily necessities, inviting guests to eat and other matters. These are an integral part of a woman's life and can meet the most basic material needs of life. This part of the money needs to be used in a timely manner, you can also buy currency** or put it in the Internet financial products, you can use it at any time, and there is a meager income, why not?

2) 30% of wages are used for savings.

Secondly, every woman should set a savings plan for herself, and regularly save one-third of her income in the bank every month, so that she can develop a good habit of saving, and accumulate a lot, which will be a lot in the future'Number. You can use the 12 certificates of deposit method, and deposit a fixed amount of money every month, that is, there will be 12 certificates of deposit. Or buy some fixed income products, monthly fixed investment, annualized rate of return, if you invest 2,000 yuan per month, you can get 884 yuan of interest at the end of the year, which is much more cost-effective than bank demand deposits.

However, you must be persistent in saving money, and you must keep saving money every month.

3) 30% of the salary is used for investment and financial management.

One-third of your income can be used to buy investment and wealth management products to maximize the appreciation of your limited funds. Due to women's weak risk tolerance, financial planners believe that women's financial management should try to buy some fixed-income wealth management products, such as bank wealth management products, currency**, fixed income products, etc. When buying wealth management products, don't blindly pursue high returns, see the essence of the product, and read the financial management manual before buying.

Expansion: Precautions for investment and financial management.

1.Investment** should be prevented from being fooled.

** is one of the most popular ways to invest at the moment. In **, a lot of companies like to use attractive gimmicks to attract investment. Some of these stories are true, while others are completely fabricated in order to make money.

Therefore, there are more requirements for investors, and they need to learn and understand more relevant industry knowledge, see the essence of the story, and distinguish the authenticity of the story, so as to prevent buying the wrong one and becoming the successor of the bubble.

2.Don't get rich.

In investing, many people have the idea of getting rich overnight and seek high-risk forms of investment. In this regard, industry experts believe that if investors are not particularly rich, it is best to give up the idea of getting rich overnight, because it is good to "gamble" right, and if the bet is wrong, Pu Xianchun Shentong people simply cannot afford those high-risk losses.

3.Learn to diversify your investment risk.

Some investors may prefer a certain type of investment, or only know one type of investment, but in fact, according to the principle of steady appreciation of wealth, it is not enough. The capital part is allocated to high-risk investments, such as **, and low-risk investments, such as bank wealth management product investment or fixed-income financial investment, which will be better on the whole, which are ways to diversify investment risks.

It is recommended that you manage your money through banking channels. At present, there are many ways for personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, trust, insurance, etc.

It is recommended that you go to the outlets of China Merchants Bank to consult the relevant advice of the wealth manager.