How to open cash banking? How do I manage my money?

Please log in to the cash banking first, if you go directly to the main page and can see the data, it means that the cash financing you opened is supported by Straight Flush. If you are prompted that you need to open cash wealth management, it means that the cash wealth management you opened before is not supported by Straight Flush, if you need to replace, you must first terminate the cash wealth management contract, and then re-sign the contract in Straight Flush.

1.You can use it on the bank app, provided that you open the bank's card, open online banking and other functions, and you can buy the bank's wealth management business when you have money, which basically has a threshold amount, usually 50,000; 2.You can bind a bank card in some professional financial management apps, such as Tiantian**, Xueqiu and other APPs, as required (the premise is still to open the online banking function), and you can buy financial management, **, etc.

Being able to ask such a silly question means that you probably don't have much money to ask about. A conscientious and responsible answer: 1

You can use it on the bank app, provided that you open the bank's card, open online banking and other functions, and you can buy the bank's wealth management business when you have money, which basically has a threshold amount, usually 50,000; 2.You can bind a bank card in some professional financial management apps, such as Tiantian**, Xueqiu and other APPs, as required (the premise is still to open the online banking function), and you can buy financial management, **, etc. 3.You can buy P2P business on P2P and other apps, of course, the easiest is to go to Alipay WeChat to buy currency** or financial management, basically no threshold.

The above is just a simple suggestion, let's figure it out for yourself.

Seeing that celebrities' self-created brands are sold**, many fans still buy on their behalf, and I feel that most of the fans are blindly consumingIn 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 only use them once or twice, and then never use them 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.Financial planning should determine reasonable financial goals based on personal income and expenditure;

2.Fixed deposits and regular investment are the foundation of wealth management, which can effectively avoid buying high-risk investment products;

3.The profit rate of bank wealth management products is usually relatively low, and investors should choose the appropriate Fortune Fair products according to their risk tolerance.

4.Do a good job of prudent assessment before investing, understand the risk characteristics of investment products, and choose appropriate investment products according to your own risk tolerance;

5.Review your portfolio regularly and adjust your portfolio in a timely manner to ensure that your portfolio matches your personal risk tolerance;

6.Check the income of the account regularly, adjust the investment portfolio in time to avoid investment losses;

7.Actively participate in financial management activities, understand the latest wealth management products and investment opportunities, adjust investment strategies in a timely manner, and obtain maximum returns.

Here are some suggestions:

1.Create a budget: Create a detailed budget plan that includes monthly income and expenses, as well as savings goals. When creating a budget, you should take into account the spending on necessities and non-essential items, as well as the ratio of investment and savings.

2.Save: Save a portion of your income to build an emergency savings** in case you need it. In addition, long-term savings such as pensions, education**, and investments** should also be considered.

3.Investment: Understand the basics of investing and consider investing in some long-term, stable investment products such as **, bonds, real estate**, etc. At the same time, you should choose the investment products that are suitable for you according to your own risk tolerance.

4.Reduce debt: Reduce high-interest debt, such as credit card debt and personal loans, as much as possible. If there is debt, it should be prioritized to pay off the debt with high interest rates.

5.Learn about financial literacy: Understand the basics of financial management, such as investment strategy, risk management, and tax planning. Continuously improve your financial skills by reading books, taking financial courses, and consulting with professionals.

6.Continuous monitoring: Regularly monitor your financial plan and adjust it. If you find yourself in trouble with your savings or investment plan, you should make adjustments in time.

Here are a few suggestions:

1.Determine financial goals: First, you need to determine your financial goals, such as buying a house, retirement, etc. This will help you understand your financial needs so you can plan accordingly.

2.Make a budget: Before you can allocate your salary to various aspects, you need to create a budget that determines your income and expenses each month. This can help you control your expenses and avoid unnecessary waste.

3.Establish an emergency reserve: Use a portion of your salary to build an emergency reserve to deal with emergencies such as unemployment, illness, etc.

6.Keep learning: Keep learning and improving your financial knowledge so that you can better manage your finances and investments.