Help me see how I manage my money, big brothers, help me manage my money

Prerequisites for financial management: safe, legal, reasonable and effective. Everyone has a different way, total money, excess money, risk.

Preferences, family situation (i.e., whether you are married, have children, etc., has a lot to do with the way you manage your finances), and so on. Generally speaking.

It is a combination of various types of risky financial management. Combine your own general situation. Risk-free: bank deposits, treasury bonds, fixed income.

Beneficial wealth management products. This type of gain is smaller. Medium and low risk: **, **, commodity spot. High Risk: ***, Foreign Exchange (Individuals do not.)

It is very recommended, after all, it is not easy to make money. High returns come with high risks). How you arrange it depends on your risk appetite. Don't take too much.

To do medium and high-risk products. If you plan to buy a house, you should do some low-risk financial management. Or buy some ** regular investment, but you don't have too high expectations in terms of income.

Managing money doesn't just need a product to solve.

It is also important to do a good job of saving.

If you want to stabilize income, you can invest in Jiangsu Xinjinhong's **private placement**, with a fixed income of 12%, a cycle of one year, and quarterly dividends.

To make a regular investment, the remaining 10,000 per month, after leaving a part of the emergency funds for yourself, the rest can be used to make a regular investment, which can not only reasonably avoid risks, but also maximize benefits through compound interest. It is not advisable to save money in the bank, and the current bank interest rate is much lower than the rate of inflation. **There are three major advantages for salarymen:

1. Forced investment, avoiding the habit of spending money indiscriminately; 2. Average cost, risk diversification; 3. The starting point of investment is low, and you can invest 100 yuan; 4. The purpose of maintaining and increasing the value of assets can be achieved through compound interest.

Suggestions: 1. Quit smoking.

Cigarettes are not good for your health, and you know that. Quitting smoking is a challenge to yourself, do you dare to challenge yourself? Can you beat yourself?

2. Beverages. Why can't you change to purified water or tea?

3. 3 meals. You don't have to be extravagant, but you can't treat yourself badly.

Fourth, socializing. Friends should not give up, this expense does not have to be saved.

Fifth, actual combat. 1.After the salary is in hand, first deposit 3,500 yuan in the bank for a three-month fixed savings deposit, handle automatic transfer, can be withdrawn in advance (with ID card), the purpose of the deposit is not to take out and spend. The remaining $1,500 will be your expenses for a month.

2.Prepare five envelopes, each containing $300. Then only one can be used per week, and the remaining one can only be used as an emergency standby for emergency situations such as meals and buses.

After a month, you have a fixed deposit of 3,500*3 10,500 yuan in the bank, and the goal is achieved, so take the zero 500 yuan as your reward!!

According to the cost you wrote, don't drink drinks, eat the cheapest lunch for 20 yuan, smoke cigarettes, and spend 4770 for 3 months and 90 days.

The rest can be socialized once a month.

This is the way to throttle.

Open source, there are many ways to do this, and then go to a part-time job, ** to be a brick-moving second master, and go to your local tourist attraction as a tour guide on May Day.

It depends on the individual's creation.

Your financial goal is clear, that is, to save 10,000 yuan in three months, in order to achieve this goal, you must save yuan every month, so that your monthly expenses should be controlled at 1666 yuan. See if you can meet your expenses, socialize 4 times, an average of 150 at a time, 600 yuan a month, eat at noon on an average of 30 * 20 working days = 600 yuan Other miscellaneous expenses (cigarettes 26 * 30 + fare 4 * 20 + drinks 4 yuan * 30 = 980) A total of 2180, it seems that it is not enough. To achieve the goal, we must open up sources and reduce expenditure, see what you can do to make some money, and see which one can be saved!

Small coffin, first of all, to figure out what it does, if there is an old person in it, then it will not be put in the garbage heap, then there are two possibilities left, one is a handicraft, then it doesn't matter at all. The second is that as a prop for other purposes, the things involved are very complicated, and there are possibilities such as falling and lowering the head, but the probability is very small. But if you do encounter such a thing, it can only be said that you are too planted.

Cigarettes are too expensive, and there is a daily cost of cigarettes, and what cigarettes you smoke, we usually smoke 10 yuan

I'll tell you about my own financial experience, it's not how good it is, but I think it's basically enough.

Step 1: When you don't know anything, you know how to buy some currency**. Generally, you can buy it with online banking, and there is the Yue Bao from Alipay now, which is the currency**.

There is no risk in this, it is definitely not a loss of money, it is not too much, it is generally higher than the interest of a bank fixed deposit for one year, and it is highly flexible.

Step 2: You can try to buy bonds**, mixed Qibihe**, ****. These are all risky, and the risk increases depending on the front. You can buy some and try to play, and slowly know what is going on before investing more.

Step 3: You can try to play**. This has to go to the **company to open an account first.,Play** is also slowly and quietly increasing experience.,Invest less at the beginning.,Slowly find a feeling.。

I think in the first place, don't think about making money, and you won't lose a lot. After a year or two of training, see if you are suitable for playing this, and if you are not suitable, don't play, after all, the risk is too high.

The above are relatively simple, and you can learn them again slowly.