How can girls manage their finances to improve their quality of life?

As we all know, the common problem of most girls is that they love to spend money. So with the word Moonlight Clan, you can spend as much as you have in your hand, and never leave yourself a little leeway.

But have you ever thought about what to do if something unexpected happens and you need money? You don't have the money to buy birthday gifts for others on your classmates' birthdays, how embarrassing it will be then.

Therefore, it is very important for you to know how to manage your money. Although society has developed, mankind has progressed. Wages are also increasing, but in the same way, consumption will also increase. Everything is balanced, and only by knowing how to manage money can we improve our quality of life.

For those who are not married, it is not so important to know how to manage their finances, because without children, parents can still afford to work. Just take care of yourself, and feed the whole family without going hungry. <>

But for those who have a family, financial management is very important. We have to take on the responsibility of supporting our parents and raising our children. Whether it is mental pressure or physical pressure, it is unimaginable for us, only one day to stand in their perspective, you will know how difficult life is, how important financial management is.

Therefore, we usually have to have a reasonable arrangement for our salary and bonus, especially those girls who love to spend money, and they can't always patronize the happiness in front of them and buy some useless things. We have to plan our money every month, where we should use it and where we shouldn't, and we have to know in our hearts. Girls spend more than boys, skin care products, cosmetics, clothes, bags are the most expensive things, so we have to control ourselves, impulsiveness is the devil, we can't let ourselves end up without even food money.

I've always had a headache when it comes to financial management. My girlfriend and I were both bothered by this problem, and when it was time to use it, I felt as if all of a sudden, my money had become so unspent.

Later, we both left our girlfriend to take care of the money, and by the end of the month we found that it was still not much, and in fact we were already doing our best to save. If you can take the bus to travel, you must not take a taxi, and the two of you eat out as much as possible, and you can calculate it to three or four yuan. However, this fact was enough for the two of us to break down, and we were overwhelmed.

Later, my girlfriend got a financial management app, and all the money spent by the two of us in a month was recorded in it, and we reconciled the accounts after a month, although the money was still not much, but at least there was a breakdown. We find that although we are trying our best to lower our standard of living and save more money, it is precisely because of this that we are completely out of line with our previous life, and we will buy something to comfort ourselves. Let's say we save money to eat a cheaper meal, only to find that our appetite is not up to the right level, and then we have to waste money on a late-night snack to eat something more expensive, or buy other small items once in a while.

So through the above life experience, we finally summed up a truth. Many of us now have no way to open source in a short period of time on top of our current economic capacity, so at this time, a large part of them like to use the method of throttling. But what I would say is that saving is a good thing, but saving is also a sane thing.

We need to make a detailed distinction between what we should spend and what we shouldn't spend, and control ourselves rationally when buying things, what should be spent and what should not be spent, how much of a consequence will this thing we save bring to us, and whether this consequence is within our range of bearing?

In fact, the most direct way to manage money is to try to list a budget for everything you want to spend in a month or a period of time, and try not to exceed this budget. But we still have to be sensible, because the budget must be reasonable, otherwise, too unrealistic will hit our confidence.

This is a question that I have been thinking about a long time, because poverty limits my imagination, and I desperately want to have money, especially when I realize that I want more things, because of my financial limitations, there are too many things I want at that time but I can't get them.

The first is to learn to save money, and here there is a factor that affects saving money - the latte factor. There is a couple in a foreign country who drink a latte every morning, and the financial analyst calculates for them that if the money to buy a latte in 30 years accumulates more than 700,000 yuan. A latte a day, 30 years spent 700,000 for this drink.

In our daily life, there are also such small expenses of small money, which we do not think of, but over time, it becomes a large amount.

If we spend the rest of our days paying attention to these small expenses, reducing their outflows, and saving up the money you've saved, we'll find ourselves saving a lot of money. And this money will be used as the principal of your investment.

Learn to invest, investment is not the same as financial management, don't ask others what is the most profitable investment, if it is so easy, no one will jump off the building because of investment failure. For example, Yu Bao, the annual interest rate of Yu Bao today is 3%, if you take a moment to think about how to double the annual interest rate, then you will save half of the time to get the profit obtained at the original time.

My most important personal way to manage money is to save money, because my ability to take risks is too small, and I can't afford to play an investment that is risky and may not have returns. Therefore, spending money on the cutting edge is also a kind of financial management.

I think girls generally don't choose too risky financial projects, the first is that the psychological tolerance of girls themselves is limited, and the second is that in my line of sight, girls' sensitivity to numbers is never so good. So personally, I recommend girls to do financial management, mainly bank wealth management and P2P financial management.

The requirements for bank wealth management are generally very low, because the bank and the wealth management company cooperate, so the bank will generally first inspect the company's qualifications, which saves us the time to inspect the platform. Relatively speaking, the risk of bank wealth management is still relatively small, and the interest rate is much higher than that of time deposits. If the girl is lazy and doesn't like to do her own research, the bank will have a special financial manager, you ask him to help you find a financial management that suits your risk tolerance, and then see if it is suitable for you, if it is suitable, you don't have to spend time to choose.

P2P financial management is a relatively popular financial management in the past two years, mainly because of convenience, mobile phone software, and then you can transfer your funds to your own financial account through the bound bank card. Open the software, you can see your previous day's income every day, which is convenient to check the funds in your account in time. Moreover, the term of this kind of financial management is long and short, and some can be deposited and withdrawn at any time, which can not only meet the needs of asset appreciation, but also when girls buy things, they will not miss their favorite things because of the money they have made money.

Of course, you must choose a reliable platform to do it.

There is no need to think about these two types of financial management, and you can save money with regular rebates. If you are a bold girl, you can consider doing it, **relatively speaking**, the risk is not so great, if you have a research to do it**, it is relatively easier.

Hello, if you don't think about **, each of us will have a lot of things that we want to buy. Some people may want to buy a luxury car, some may want to buy a luxury villa, and others may want to buy a designer outfit, some jewelry, or some art. However, these things are superficial material pleasures, and they do not bring us true happiness and satisfaction.

If we really have that much money, we should think about something more profound, such as: more time and freedom, better health, higher levels of education, more social connections, and so on.

First of all, if we have enough wealth, we can choose to work less and enjoy more leisure and travel. This way, we can make more use of our time to do what we really want to do, such as learning new skills, making new friends, exploring new cultures and places, and so on.

Second, if we have more wealth, we can take better care of our health. We can choose healthier food, better medical care, more exercise and fitness. Such a lifestyle not only makes us healthier, but also makes us more confident and attractive.

Third, if we have more wealth, we can choose better educational resources and improve our own educational level. This will not only make us smarter and more informed, but also make us more competitive and more successful in our professional and social lives. Finally, if we have more wealth, we can build social relationships more actively and make more friends and colleagues.

Such a relationship can make us more supportive and encouraging, and it can also make us more harmonious and happy.

In short, if we don't think about it, we should pay more attention to what we really need in our hearts, rather than pursuing those superficial material comforts. We should pay more attention to investing in time, health, and social interaction to make our lives richer, more meaningful, and happier.

Wishing you a happy shirt.

Buy some life insurance and save some money. Buy a little bit within your means** fixed investment. It's the experts who help you manage your money. **The minimum initial capital is 1,000 yuan, and the minimum investment is 200 yuan.

You can buy **to the bank or **company. Banks can **many** company business, and the specific account opening can be handled by the bank wealth management counter. Now some ** companies also have **** trading. After the bank opens online banking, there is a discount on the general fees for online purchases.

First of all, do a self-understanding, whether you want high risk and high return or stable capital preservation and income. The former buys **type**, and the latter buys bond type or currency type**. After determining the type, you can choose according to the performance, manager, scale, investment direction preference, charging standard, etc.

**Performance is ranked online. A more stable **type** can choose an index or an ETFIt is best to choose the back-end payment for regular investment, and the same underlying index** should choose the one with low management fees and custody fees.

I don't make specific recommendations, only the feet know whether the shoes are good or not.

Generally speaking, there are two types of open-ended** investments, single investments and regular fixed amounts. The so-called "fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method. Due to the low starting point and simple method of "fixed investment", it is also known as "small investment plan" or "lazy financial management".

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

Investment**type** to make a fixed investment is always an opportunity, but the determination to persevere to the end can see the effect. Be sure to stick to it, prefer a small amount, and remember not to interrupt (it is harder to find a low point than to catch a knife that fell in the air with your bare hands - Buffett's words).

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. You can consider the wealth management products of various banks, the time is short, and the interest rate is higher than the bank's interest rate in the same period, but it is mostly a starting point of 50,000 yuan, and it cannot be terminated in advance.

It is also possible to buy treasury bonds.

I don't know what type of investor you belong to, conservative or conservative? Know a little more about **? Or is it a little more to **? Do you know anything about **? I can't give any good advice, and if you're interested, you can talk about it alone.

Investment is risky, to be reasonably distributed, diversify risks, that is, put eggs in different baskets, generally take out 10-20% of the annual income to buy insurance, protect wealth, other corresponding investments, but do not encourage buying**, you can search Hunan Satellite TV 20070524 "The more you strategize, the happier you are" financial planner Liu Yanbin's opinion, you will be clearer.