What is the best way to manage your finances? How to manage your finances appropriately

You have to understand your current financial situation.

How much money you earn every month, how much money you can leave at the end of the month, and then manage it reasonably.

If the money is not very much, you can go to the business hall to open an account, open a current account first, and then deposit the change first.

After saving 10,000 yuan, take it out and deposit it for a fixed period of 3 months or half a year! Or you can deposit a kind of bank lump sum deposit. Deposit the same amount of money every month...

The principal and interest at maturity are withdrawn together!

It is higher than the bank's current interest rate and lower than the regular interest rate. If you have a lot of money and are not in a hurry, you can save a long period of financial products, bank bonds, ** are good!

In is the participating insurance. It's all good. They are all products with high returns over time!

It is not appropriate to buy**. If you want to buy, the investment amount cannot exceed 5000, and the appropriate one is to buy ** fixed investment, about 300 yuan a month. Done I hope it helps.

If you are interested in foreign exchange, you can learn about the advantages of foreign exchange investment:

1.The investment target of foreign exchange is the national economy, and there is no sitting control.

2.Foreign exchange is a bilateral transaction, which can be bought up and down.

3.Margin trading system, investment costs are reduced. 1:100, up to 1:5004The operation is flexible, you can set stop loss, take profit, and the risk can be grasped.

Trade 24 hours a day, no limit on the number of transactions.

6.Forex has interest on a daily basis.

If you want to speculate, you have to know how to brake, give yourself a bottom line, as long as you reach the line, stop, and it is not easy to retreat from the rapids.

When it comes to financial management, many people think that financial management is money to make money, such as buying a house, buying **, ** tickets, etc. In fact, these belong to the category of financial management, but financial management in the strict sense is actually called wealth management, that is, scientific and reasonable planning of current and future resources, do a good job in family financial planning, and make a scientific diagnosis of family finances when managing finances, and prevent and control risks.

I've already told me that if you want to manage your finances, you must do it as soon as possible, the sooner the better, in fact, most people don't have any financial planning, and they can't help but buy a lot of unnecessary things at home, and they may use it once or twice, and then they have never used it again, such as bags and shoes bought by women, and SLRs bought by men.

So, in most cases, I think too well, and you may not be able to save this 1,000 yuan a month.

When should you start your regular investment?

There is no doubt that from now on, it will never be too late. Why should you start? Regardless of the beautiful vision of making money through financial investment, even if we don't want to do anything, how much money do you need to spend after retirement?

Suppose you are now 35 years old, with an annual income of 10,000 yuan, retired at the age of 50, and need to receive a 35-year pension, and you can receive 6,000 yuan from social security every month, in order to keep your quality of life from declining, in these 30 years, your pension gap is 4.02 million yuan!

So, even if you don't want to do anything, you want to earn income through your salary, but the problem of pension is also something you can't face, maybe you didn't realize it before, and you don't know how much it will cost, so I used a calculator to help you figure it out.

How much money to invest?

How much money is the right amount to invest? If you're a newbie, you might as well try 10%-20% of your monthly salary, or you can consider using your incremental salary to invest in your finances, which is exactly what I did.

What is incremental pay? For example, your year-end bonus or additional labor benefits, or the boss has given you a salary increase this year, for example, if it has increased by 1,000 yuan per month, then you can use the 1,000 yuan to make regular financial investment.

Why can incremental wages be tried? Because usually according to our original standard of living, you can still maintain your household expenses even if there is no incremental part. Incremental money is the extra money that can give you an improved quality of life, as the saying goes, "buy, buy, buy".

But if we take it differently and use it for financial management, wouldn't this arrangement be better?

I think it's a good idea, and that's how I put it into practice.

Of course, if you are not a novice and already have some experience in investment and financial management, but you may not know how much to take to manage your finances, and you feel a little unplanned, then I can also give you some reference suggestions.

1. Read. The distribution of wages needs to be decided according to the level of consumption each month, if you are working outside, then you need to set aside a part of your salary to pay rent, water and electricity, which is the most basic expense, so you need to plan it every month.

2.If the salary is relatively low, then you can choose the bus or subway and other ways to travel, but you need to pay special attention to the catering, try to cook by yourself, not only very hygienic.

Interpersonal communication, every month will always expand the circle of friends by inviting friends to dinner, but everyone also needs to pay special attention to abandon the bad social circle, which will waste time and a lot of money, and the consumption of interpersonal communication needs to be controlled at about 500 yuan per month.

4. A part of the monthly salary needs to be set aside for learning, because at any time you need to continue to study, so that you can continue to improve, so you need to take out a part of the salary to buy books, or take out a little salary every month as training money.

5.Investment and financial management. Some people's wages will be smaller, but we also need to pay special attention to setting aside a little money every month for investment and financial management, but we can't be blind, you can go straight to the bank and keep it in the bank6

If the salary level of consumption entertainment will be relatively low, then the expenditure on consumption entertainment will naturally be relatively small. Generally speaking, the cost of consumption and entertainment needs to be controlled at about 500 yuan. Of course, if you want to accumulate limb delay, it is also very good.

There is no best, only the saying that it suits you and is not suitable for you.

Financial management must be disciplined, strictly follow the financial plan, and adherence to good financial management methods is as important.

Increasing income and reducing expenditure is the first step in financial management, and you can't earn as much as you want. First of all, you can record your income and expenses every month to control your expenses. At the same time, it is possible to make compulsory savings, and every month you must deposit a part of the bank's funds, even if it is only two hundred or three hundred.

While achieving "throttling", we should also consider further financial management, which is not an overnight rich, but a process of accumulating small amounts.

Financial management is to manage money, "if you don't manage money, money will ignore you". Income is like a river, wealth is your reservoir, and spending money is like flowing water. Financial management is to manage the reservoir well, open source and reduce expenditure.

No one knows what will happen to you, so you have to buy insurance for yourself, insurance is an important means of financial management, but not all. Making money is like digging a well to feed your reservoir with a steady stream of water, but it's not enough to just dig a well, you have to build a dam for the reservoir – accidents, hospitalizations, serious illnesses.

When people talk about financial management, what they think of is not investment, but making money. In fact, the scope of financial management is very wide, and financial management is the wealth of a lifetime, that is, the cash flow and risk management of an individual's life.

Spare money can be used to invest in investment products with relatively high risk and return, such as **, spot investment, real estate and other high-yield and high-risk projects. It is better to have some understanding or long-term attention to the investment project, and not to speculate blindly.

How to manage money and how to manage money? There are three steps to getting started.

1) Set your financial goals; Review your assets Set your own financial goals: buy a car, buy a house, pay off debt, save for retirement, save for education, etc. It is necessary to qualitatively and quantitatively clarify the financial goals from the specific time, amount and description of the goal.

Review the asset situation, including stock assets and future income expectations, and know how much money can be managed, which is the most basic premise; The review of personal assets is mainly to conduct a comprehensive inventory of one's own assets according to the relevant categories. The assets mentioned here refer to financial assets and fixed assets, of which financial assets include bank deposits, bonds, traditional insurance, investment insurance or open-ended, or closed-ended, etc., and fixed assets include real estate, automobiles, etc.

2) Understand what financial management stage you are in Different stages of financial management have different priorities and priorities in different financial management stages, and financial management goals will be different. Life is divided into six stages: single period, family formation period, family growth period, children's college education period, family maturity period, and retirement period.

Setting financial goals must be aligned with your needs at all stages of life.

3) Test your risk tolerance Risk appetite is an important basis for any financial plan. Choose according to your actual situation, do eight risk tolerance test questions, get the definition and description of your risk appetite, so as to clarify what type of investor you belong to, and know your risk tolerance. Don't make assumptions about risk appetite that doesn't take into account any objective situation, for example, many customers put all their money in **, without taking into account their parents, children, and family responsibilities, and at this time his risk appetite deviates from the range he can bear

Depositing in the bank, buying wealth management products are actually channels for investment and financial management, it doesn't matter which one you choose, and you can't just look at which one is higher to invest in, I think the ability to invest in financial management, I think it is the result of the subjective efforts and environmental impact of the day after tomorrow, and it can also be said that the need for practice has promoted the development of understanding.

Of course, it also depends on your personal affordability, I think that the lower monthly salary, in addition to personal life support, should be cautious in choosing investment and financial management. On the one hand, the salary is not very high, and the ability to bear risks is limited. On the other hand, there is no investment experience, it is recommended to choose a relatively low risk when managing money, I suggest that the landlord can look at the lower investment threshold is relatively low, the principal and interest are guaranteed, and the most important thing is that the risk is relatively low.

Don't put all your eggs in one basket, and it is advisable to operate short-selling when allocating risky investments.

Get a financial expert to talk to.