Please give me some good ways to manage your money??? 100

First of all, you are a student, you are still in the consumption stage, and your only income is pocket money, you can take the "half method". For example, if you have 200 yuan of pocket money a month, then you can take out 100 yuan for compulsory savings. In 1 year, you can save 1200 yuan, plus your annual New Year's money, about 500 yuan, then 1200 + 500 = 1700 yuan, and you will have 1700 yuan at the end of the year.

However, it is not good to save money without growing your wealth. You can go to the bank to open a bank card, and then 100 yuan per month for a year, that is, every month to your bank card to deposit money, then a year later you will have 1200 + x (income) yuan, your money for zero deposit and withdrawal has a certain interest, so you can not only save money, but also make the money increase in value, you have more than your small partners around a deposit, speak are angry, pure hand, hope! Thank you

One is bank fixed deposits; the second is the bank's ** fixed investment; the third is the first transaction; Fourth, first-class investment; Fifth, insurance. There are also real estate, foreign exchange, and so on.

It is recommended to purchase electronic savings bonds, which have a higher annual interest rate than fixed deposits and lower risk.

**Regular investment! It's the easiest.

Bank fixed deposit or bank ** fixed investment.

There is no income, save a dime, you have to learn to spend money first, what should not be spent resolutely do not spend, there is no need to never spend money, do it, you can't think of no money in the future.

We should know how to understand and master the technical characteristics of a financial product to better maximize our own interests, and we must also know some basic common sense of financial management in order to face the risk problems that arise when financial products.

1. The more money you have in your current account, the poorer you will become. Whether it is to buy fixed deposits, treasury bonds, **, wealth management products, any kind of low-risk investment is better than putting money in a current account.

2. The fixed deposit money can be taken out in advance, but there is no interest on the early withdrawal. Therefore, the current Luyin shed money exceeds your living expenses for a month, please do not hesitate to buy a fixed deposit immediately, accumulate a lot, and the interest after one year is also very considerable.

3. Don't use the installment payment and cash withdrawal function of the credit card, and don't listen to any propaganda of zero interest. With or without interest, there are high additional costs.

4. Start with small-risk financial products, and the first financial product you should not buy is **. Bonds** and treasury bonds are very low-risk investments, but the comprehensive return is much higher than that of fixed deposits in good years.

5. The way to avoid risks is not to only buy low-risk products, but to allocate different proportions to high-risk and low-risk wealth management products.

6. Ordinary people don't speculate, don't chase up and down, just look at the price once a month, and set an alarm to sell more than how much. It's okay, don't cut the meat, make sure that the money in the ** is trapped, and you won't be in pain, so that you can make money.

Financial management is a lifelong event like work, and financial management must bear risks, and if you do not manage your finances, you must also bear the risk of money depreciation. Money is not in a hurry, don't pursue overnight riches, there is nothing new under the sun, work hard, manage money seriously, work steadily, have a house and a car, and financial freedom is only a matter of time.

Common sense 1: When managing money, you should be prepared for emergency money.

Some investors like to buy all the funds to buy financial management when they manage their finances, but some financial management has a time limit, when they need to use money, there is the possibility of not being able to withdraw money, so when managing money, they should prepare an emergency amount of money, generally 6 months to a year of living expenses, this money can be stored in Yue Bao, change pass, currency ** can be, because the liquidity of this kind of current financial management is relatively good.

Common sense 2: When managing your finances, you should prepare for your future living expenses.

When managing money, it is necessary to take into account the possibility of using money in the future, this money is very necessary, if you encounter unemployment, illness, you can also take it out at this time, you can consider saving three to five years of living expenses, stored in the bank term or treasury bonds, you must choose the risk is small, it is best to protect the principal.

When depositing in the bank fixed deposit, you can consider depositing in batches, because the interest on the bank fixed deposit is calculated according to the current interest, and if it is deposited in batches, it will only affect one of the interest, but not the interest on other deposits.

1.Deposits: Deposit idle funds in banks or other financial institutions for interest income.

2.Investment: Buy or receive capital appreciation and dividend income through market fluctuations.

3.Insurance: Buy insurance products that are right for you to cover unexpected risks and health risks.

4.P2P Wealth Management: Invest in P2P lending through the Internet platform to obtain interest rate returns higher than bank deposits.

5.Rental Investment: Buying a property and renting it out for rental income and asset appreciation.

6.Trust investment: Invest in trust products through trust companies and other professional institutions to obtain fixed income or capital appreciation income.

7.Investment: Buying, buying products to protect against inflation and financial risks.

The above are some common financial management methods, but each method has its advantages, disadvantages and risks, investors should choose according to their own risk appetite and capital status, and pay attention to risk control. It is recommended that investors should understand the relevant knowledge and laws and regulations before managing their finances, and choose formal investment channels and institutions for investment.

There are risks in financial management, and you need to be cautious in investment!

To invest in a wealth management product, it depends on whether the company is reliable and whether the product conforms to the investment logic.

Make a decision based on returns, risks and liquidity!

At present, the importance of investment and financial management in the society has become higher and higher, investment and financial management has become a skill that we must learn, if we learn to manage money, in order to increase the wealth, your life will become better, so what are the benefits of investment and financial management?

What are the benefits of investing in financial management?

1. Improve the quality of life.

Rational investment and financial management can improve our economic situation to a large extent, thereby improving the quality of life and increasing the joy of life.

2. Ensure that the elderly are supported.

In order to ensure the affluence of life in old age, it is necessary to formulate a financial plan as early as possible, and the pension plan should consider the retirement age, the expected annual cost of living after retirement, the expected inflation rate, and the expected annual return on investment after retirement.

3. Ensure the safety of funds.

Security of funds. It includes the meaning of ensuring the integrity of the amount of funds and ensuring that the value of funds does not decrease. It is necessary to have a restrained attitude, not to earn as much as possible, but to be clear about the risks and returns of financial products.

4. Maintain and increase the value of existing assets.

Asset appreciation is the common goal of every financial manager, and different age groups have different stages of financial needs. When you are young, you need to start a family and buy a house. When you are middle-aged, you need to save up for your children's education and provide for your parents. When you are old, you need to consider pension and other issues, and you need funds.

5. Resist accidents.

The right financial plan can help us minimize losses when risks arise.

There are many people who think that only the rich will go to financial management, this idea is wrong, people with less assets can also manage money, you just need to take out a little money regularly to invest in financial management, and for a long time, then your wealth will accumulate more and more, if you decide to start financial management, then your consumption should be reasonable, reduce those unnecessary expenses, rationally allocate your own funds, reduce daily expenses, and take part of the remaining funds for emergency use, and the other part for investment and financial management, In addition, financial management is risky, and you need to have an understanding of your risk tolerance.