About controlling spending and managing money, how to manage money, and controlling spending.

Regular investment**, only buy the bank's physical gold (now**Although it is at a high level, you don't want to save money, and it is not easy to cash out when you buy gold chains), and buy until the day you need to use the money.

No matter how much you hear ** promoting how good insurance is** how good bank wealth management products are every day, it is because they believe that lies become the truth after being told 10,000 times, and it is not recommended to buy ** and insurance at all.

Because it is someone else who uses your money to make money for everyone, it is everyone's to make money, and it is yours to lose money, no matter what you lose, you have to give them wages, even if they don't run into Shuanghui and the like, and don't do rat barns (these two are more difficult than letting God promise the Chinese football team to be the world champion), one day** company will also roll under the pressure of its own high management fee extraction and awakening to the redemption of the people;

Insurance is to use your money to pay yourself slowly, and you also have to support a lot of ultra-high-paid insurance executives;

The bank's wealth management products are telling you: if they do it in the right direction, the maximum return is only a little higher than the bank interest, and most of the time if they don't do it well, they can only give you the capital;

**, as long as you don't buy junk stocks, you will never cut the meat, no matter how you make a profit, just seek psychological balance, and accidentally practice peerless financial management skills.

Forex, **, you are still asking such a question, so don't think about it for the time being.

At present, it is also recommended that you take 5,000 yuan out to speculate in bank stocks, and take out the earned ones (only leave the principal in **) + continue to deposit the monthly balance in the bank, and wait for the unbundle until the capital is all back (at that time you already have a lot of experience), and then decide how much money to use for long-term investment**, ** or foreign exchange. It is also possible to invest regularly and fix a bank stock every month.

The way to buy ** is possible. However, it is better to buy chains than gold bars.

Keep accounts and see where the money is spent. Since there is no shortage of households, take out a thousand every month to save for a year's term. You have a card, many cards can be used to open a fixed account in addition to consumption, and the money will be transferred from the online bank when it arrives.

It's 12,000 in a year, and 100,000 in 10 years.

Hehe, the opinion of the water heart mirror is very good.

However, I still prefer ** regular investment.

The landlord can choose a**, a fixed investment of 1000 per month, and then put it still, which is the same as the monthly deposit limit of 1000 said by Shuixinjing.

Wait for three or five years before redeeming.

As for controlling spending, I think the most effective way is to keep accounts.

Finally, the landlord can set a goal for himself, so that many things will be easier to do.

Oh The landlord spends money lavishly This habit still has to be changed, it is recommended that you start with bookkeeping and slowly develop a good habit of remembering. Let's open source on the basis of ensuring life. You can also search online for some basic knowledge of financial management.

You call it daily planning. It's not about financial management.

The most direct way is to pick something that you really want to buy but need to save for a long time to buy, for example, if you have 200 pocket money per month, then find a way to save money to buy a laptop or something, every time you want to spend money, you think: "I want to buy a laptop, I can save money this month, I will have it for almost a month", and when you can afford it, you have completed your first financial planning.

Use what should be used, and don't use what shouldn't.

Use your economy to invest.

% of the annual interest rate of urban and rural residents and unit deposits

a) Current. b) Periodically.

1.Whole deposit and whole withdrawal.

Three months and half a year.

One year and two years. Three years and five years.

2.Fractional deposit and withdrawal, lump sum deposit and withdrawal, principal deposit and interest.

One year and three years. 5 years 3Fixed two pence: 6% discount at the interest rate of the same grade according to the regular lump sum deposit within one year.

2. Agreement deposits.

3. Call Deposit

Seven days a day. Interest = Interest Rate * Principal * Time.

Please note that the time is 1 per year

Banks all implement the interest rate set by the People's Bank of China, and the interest rate is the same in any bank. The longer the interest, the higher the interest rate, and the early termination reduces the interest. If it is possible to use some of the funds in advance and want high interest, you may wish to deposit in batches and segments:

If you save a fixed amount of money every month for one year, you will have money every month after one year, and the interest is higher than that of a fixed one-year deposit. And so on.

Deposit principal + (deposit principal * deposit interest rate of the corresponding tenor * deposit tenor 12) = total deposit principal and interest.

Just use the formula yourself. For example, if you have a three-month deposit period: 1200+ (1200*

Your question a lot of people want to ask.

Reading some money books may be inspiring.

You can check it out.

1 "Money Weekly" and "Money Bible", by Huang Peiyuan of Taiwan, China Business Press;

2 A Lifetime Financial Plan, by Wang Zaiquan, Peking University Press;

3 "The Babylonian Richman's Money Lesson," George. Klassen, translated by Bill Lee, Chinese Academy of Social Sciences Press;

4) "100% Financial Quotient, Common Sense and Rules of Personal Finance and Wealth", Sima Changchuan, China Archives Publishing House.

These books are easy to understand and have a clear point of view, and they are also good financial management primers for financial practitioners.

At present, there are three most popular investment methods, which are:

To make long-term investment, large funds can be used for real estate, mineral resources, **. The advantages are relatively stable and the risk is small, and the disadvantages are: annual dividends, low profits, and long cycles.

To do the investment in the middle line, the size of the capital can be selected**and**, the advantage is that the company is relatively mature, the company's development is good, and the income is higher. Disadvantages: high risk, long time period, greatly affected by external news, economic development in the past two years is a bit inflationary, ** the market is relatively sluggish, inexperienced investors cautiously enter the market;

To do the best investment can be chosen: the size of the funds can be chosen: spot, **, advantages:

The implementation of the margin system, can be small and big, some can be 24 hours two-way trading, the daily profit is significant, and the risk is small, there is a night market, more suitable for the best office workers to invest. Disadvantages: spot (spot now mainly refers to agricultural and sideline products, energy and non-ferrous metals, etc.) market is still developing, not a lot of people involved, although, now ** is vigorously encouraged and promoted, but only those in the forefront of the investment field, with keen insight, experienced people can find a big pot of gold, most of the investment is not professional people, knowing that the probability of making money is very small, but still like the traditional investment.

It is recommended that you diversify your investments! Forty percent of them make fixed investment or fixed deposits, guarantee principal and interest, or invest in their own houses and cars and fixed assets! Then take 30% of the funds to do the financial management of bonds with better returns!

The risk is relatively low! The yield is around 5-6 and you're good to go! Take another 15% in the **type** risk is relatively large, but the return is higher!

Even if you lose, it won't have any impact on your life! Others do liquidity、、Will not ask me again。

For example, if you want to buy a car in 3 years, a house in 5 years, and save 1 million in 10 years, I can help you calculate the proportion of monthly deposits, insurance, and expenditures. There is no point in managing money without a goal.

The so-called don't do it if you don't understand it, you don't rashly invest in financial products that you don't understand.

Make it a habit to keep accounts so that you know how much you spend each month. Then analyze for yourself which expenses can be saved or are not necessary.

Hello! You should be asking about investment and financial management.

In fact, financial management is a manifestation when investing.

Specifically, if you want to manage your finances, first of all, you must have some financial goals, such as how many years in the future you will change houses, how many years after you will buy a car, with this goal, then according to your current actual situation, plan your finances, this is the second step. After planning, you can make specific operations with your money, deposit it in the bank, buy products for wealth management products, and this is investment. And the whole process is called financial management.

Therefore, I think investment is a concrete embodiment of financial management.

I am a professional investment and financial management fast, if necessary, I can according to the amount of your funds and personal free time, for you to develop a set of your own set of financial plan!

Hello! First, first make compulsory savings, 100 or 500 can be, and then when the savings amount is larger, you can consider buying financial products such as ** or **, treasury bills, etc. After the year, you can consider buying fixed assets such as buildings.

Second, part-time study is a good personal value-added investment, and it is recommended to continue studying.

In your case, I see that the money is set to invest in the bank first, and you can invest in a local investment company if you are bold, and after you have a certain amount of funds, you can invest in **,**. Buy**. If you are bigger, you can invest in real estate, façade housing, and equity investment.

When it comes to financial management, many people think that the wealth of money is money to make money, such as buying a house, buying **, ** ticket, etc. In fact, these belong to the category of financial management, but in the strict sense of financial management, it is actually called wealth management, that is, scientific and reasonable planning of the present 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.

Financial management is a Chinese word for financial management, which refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance. Orange type.

Every month when she gets her salary, she starts to plan first, gives her a certain amount of shopping, and uses the rest for financial investment.