Money management is a science, how should you learn it

Why is financial management a science?

If you want to learn to manage money well, you need to master too much knowledge and skills, financial management is with us throughout our life, and the scope is also very large, financial management needs to be combined with our life stage to make planning, financial management is very personalized, that is, each person's age and financial ability are different, so the appropriate financial management methods are also different. Therefore, financial management is a science. What should you do if you want to master this science?

1. Reading Reading here refers not only to the investment books that most people will recommend, but also to those books related to the laws of life. If you want to learn how to manage money well, you must first grasp the rules of life, understand how we spend our lives, what kind of circumstances we will face, and what kind of difficulties we need to face.

2. Practice Financial management is not something that can be learned through reading, it needs to be practiced, it needs to go through the test of time, and it also needs life experience. Rich life experience can make us better face the world. If investment is a part of financial management, then the most important thing is to take out real money to invest time, investment is not on paper, but to really go to the financial market to experience ups and downs.

It is necessary to be able to enjoy the joy of investment returns, but also to feel the pain of losses.

Therefore, financial management should not only learn the crystallization of the wisdom of predecessors through reading, but also summarize the experience suitable for oneself through one's own personal practice. Only by combining the two can it be possible to truly learn and master the ability to manage money. If we can manage our finances, then we will live a more prosperous and secure life.

In today's era of rapid economic development, people have begun to gradually abandon the original practice of putting all their money in the bank. I hope that I can achieve my financial freedom through better financial management methods.

The so-called you don't manage money, money doesn't care about you. If you don't have the thinking and the corresponding methods, no matter how much money you make, it will soon be wasted. So, how should we manage our money? In my opinion, learning or even learning to manage money well is nothing more than through the following methods:

1. Read relevant books.

Books are the friends of human beings, and it is recommended that you learn some introductory books when you are just entering the field of financial management. Wait until you have a certain financial mindset, and then read some more professional financial books. Here are a few recommended financial books for you to get started:

Poor Dad, Rich Dad", "Puppy Money Money" and so on. The purpose of the introductory book is not to let you quickly enter the road to making a fortune, but to tell you what the thinking of financial management is and how we should manage it.

2. Ask for advice from seniors or capable people.

Sometimes, just going through the books doesn't give us a good grasp of financial literacy. At this time, we need to consult with our seniors or capable people in time. In today's era of knowledge economy, through online classes, on-the-line and other methods, you can make an appointment with the cattle and let the cattle help you answer questions.

3. Practice. The most important thing is practice. It is recommended to invest a small amount of money in the early stage of learning, so as to get a rough feel for what financial management is like and experience the risks of financial management.

Of course, practical financial management doesn't mean that you want to invest blindly. Instead, you should invest in a planned plan based on what you have learned in books and from others.

At present, there are many ways for China Merchants Bank to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, etc., and the investment starting point of different products is different, and the corresponding risk level is also different. It is recommended that you visit our branches to consult the relevant advice of the wealth manager.

The study of finance.

The understanding of personal finance is as follows: Writing ideas and key points: skills around personal finance.

Text: 1. At the stage of establishing personal assets, you should choose a simple investment institution without risk, and it is best to take the form of savings.

2. Buying a home is an action to build a lifelong asset, so it should be carefully considered. Before taking any action to acquire real estate, you should consider your own financial ability and payment method.

3. Establish a list of family assets like a physical health table, which can keep you informed of changes in family conditions and relevant laws and regulations.

4. Diversify your personal assets. In the process of making up your personal assets, it is necessary to keep the balance between fixed assets, monetary assets and financial assets.

5. Grow your assets. An asset should increase in value according to its stated purpose. Mistakes in the investment horizon can lead to financial losses. For example, if you withdraw your money early before your investment or deposit matures, you will definitely lose something.

6. Make your assets come alive. If you're choosing a medium- to long-term investment for your assets, it's hard to think about that, and only a short-term investment approach can achieve this purpose.

7. Generally speaking, you should be concerned about the implementation of the tax system and its changes, which is one aspect of managing your assets well.

8. Don't hesitate to change your savings policy if necessary. Changing your investment direction and focusing on investment security will allow you to better cope with the situation.

9. Don't forget to prepare for your retirement. With the increase in people's life expectancy, employment crises and other situations, it is best to make up for the lack of social security measures with some other investment methods before retirement.

10. Finally, and most importantly, is to protect your family. Consideration should be given to death insurance, life insurance, and the financial management system for couples. For children or other heirs, it is necessary to consider the distribution and transfer of the estate.

If this problem is dealt with well, it will be conducive to maintaining family harmony and enjoying the tax benefits of much more slippery taxation.

For novices who have just come into contact with financial management, good learning and learning advice is very important, and good financial management suggestions can allow investors to avoid detours and save time and energy. How do beginners manage their money?

If you want to make money, you must have money, and you must have capital to invest, so the first step is to learn to throttle and make a good financial plan, everyone's salary in life is limited, so we can save unnecessary money to force savings to be used reasonably, so that their financial management can maintain or increase their value and generate income.

Financial management does not need a lot of money to be, less money has less money, like Alipay's ** some can be bought for one yuan, some can be bought for ten yuan, and the same is true for financial products, just say that if the principal is low, then the income earned may be relatively meager, so don't have the idea that financial management only belongs to the rich!

When we save a certain amount of money, we can choose a reasonable arrangement of the structure of funds, if their economic ability is not very good, and do not want to lose money, then you can consider the risk is small, stable financial management, for example, bank products R1, R2 are low-risk, basically will not lose your principal, and its income is still good.

The second is that treasury bonds, currency **, and pure debt bonds** are all good, all of which are low-risk, and after being deposited, you can occasionally look at them, and if there is no major economic crisis, you will basically not lose your money.

If you have more money on hand, you can consider taking out a small part to invest**, the risk is relatively large, so you must understand before investing, otherwise the loss will outweigh the loss, and finally we must know that savings is the premise of investment, is the basis of investment, saved capital is the basis for creating wealth, without saving can not invest, so saving money is also a very important step.

There are a lot of these small classes and small platforms on the Internet that teach you financial management, including all kinds of apps and small programs, you have to say that it is real or fake, just watch some ** and the like. If you really learn this thing, you may think that what it says is very simple. But it's not a lie.

Because this kind of course usually attracts people's attention through advertising, it may tell you that you only need to spend a dollar or 9 yuan 9 to buy these financial management courses. Tell you some basic knowledge of financial management, you have to say that you are completely a novice who did not understand any investment and financial management before, you are interested now, you do not invest through this platform you just want to understand some investment and financial management attempts and key state and already, that can. A few dollars can't be bought, and you can't be fooled if you suffer a lossIt's okay to look at their courses, but you don't believe the various platforms that they tell you in the courses, and then you really invest through them.

There are too many courses of this kind, so many that there are countless losses, and now many of them are doing the flow of this outlet, so it is not necessarily wrong to talk about that thing, but when you really invest, you find that many things you really get into these regular things of investment, and you will naturally understand it. But there is nothing in what he talks about that can really make you money, whether you will make money or not, you hear his course is no different from not listening. At most, you're avoiding some of the lowest mistakes that dropouts make, because what really makes money isn't so easy to tell you, and it's impossible to explain it in a few words.

Don't trust these platforms, tell you some investment and financial management mentors, or some investment and financial management plans, if they appear similar words, then the eight achievements are lying to you. If he just tells you some financial knowledge, such as what the principle is, what is the principle of the companyYou can listen to these things, after all, you don't lose money without spending much money.

You should start with a plan, compare the source as the purpose of your financial management, find yourself a dream, and assume you.

If you want to buy a good car, this is the dream, and then customize your financial plan according to this dream and personal situation.

Then choose a wealth management product, I recommend buying the bank's ** product, or the insurance company's investment, which is investment**. But the design chooses the product according to your purpose, for example, if you plan to save money for your child to study abroad, and suppose you don't choose it well, the money is going to buy **type**, just the year your son wants to study abroad and needs money, **crash, your financial plan is a failure.

So first have a family dream, then have a plan, how much to save in a month, save for investment**, and how much you expect to earn.

The best way is to buy a bank or insurance company's investment, and leave professional things to professional people. We are not investment experts, let alone speculators, so don't make yourself so tired. Nine out of ten people who learn to copy ** are painful, why do you believe that you are the tenth, and in the end you are tired to death, and the money is gone.

This is the legendary ** iron rate industrious to poor ......

You can bai try it**.

DU Regular Investment and ** Regular Investment are regular and fixed investments.

The abbreviation of zhi** refers to:

DAO is fixed for a fixed period of time (e.g. monthly.

8 days) with a fixed amount (such as 500 yuan) invested in the designated open-ended **, similar to the bank's lump sum deposit and withdrawal method. In this way, the investment can average the cost, diversify the risk, and is more suitable for long-term investment.

By signing an agreement, the sales agency can deduct the money, which is convenient and easy to operate, and the starting point of regular investment is low, usually 100 yuan, 200 yuan, etc. The disadvantage is the lack of flexibility, the quota is timed, and only a few sales agencies have opened variable quota changes. There are three ways to sign an agreement:

One is to the bank counter, the second is through online banking, and the third is to go directly to the company's homepage, of which the third way can often enjoy the maximum handling fee discount, and the handling is not complicated, only need to open the designated online banking directly to the company's homepage online.

Here are 7 spending habits for your financial experts, I hope it will be useful to you!

Habit one, look for bargains.

In order to promote their products, many merchants will regularly launch discount activities, whether it is textile products, or daily toiletries, we can always see their discount information in shopping malls or supermarkets. When a shrewd housewife goes to a shopping mall or supermarket, she should pay attention to the ** products she commonly uses, and once she finds a discounted product, and she will often use it, she must buy it immediately. If you are in need of a certain product, and do not need a fixed brand, you have to keep searching in the store, there is always a product ** that is the most saving your wealth resources.

Habit 2: Reduce the number of purchases.

Many women shop not for the sake of shopping, but to relieve the stress in their hearts. However, when it comes to disposing of them, they often carry some unwanted goods to the storage box at home. Shopping should be planned, such as once a month, and if you feel the urge to shop, tell yourself that it's just to relieve stress, not to shop.

Once you recognize the situation, you can rationally relieve stress in other ways than shopping. The negative effects of shopping – piled up items and reduced money – can still add to your stress.

Habit three, shop with a plan.

This is a classic strategy of saving, shopping without a plan is equivalent to a death sentence for savings. Before each purchase, you should make a plan in advance, such as buying food, first count what ingredients are still edible at home, what you need to add this month, and then shop on demand. Don't let the purchased items be wasted unnecessarily because they are expired or rotten.

Habit four, buy holiday items in advance.

Every festival, gifts must be given, and products that can be used as gifts will be improved during the festival**. Therefore, buying the necessary holiday gifts in advance will save you a lot of money. In addition, food items such as fruits and meat will also increase in price during the festival, so you may wish to store some in advance to save money.

Habit five, strive for shopping discounts.

Many merchants have shopping discounts in order to promote their products. In addition to buying two free.

1. In addition to low-price discounts, there are many activities with full gifts. Therefore, when housewives are shopping, they must not forget to ask if they have any gifts. If you don't ask, the salesperson will "forget" about you.

Habit six, budget work is very important.

Spending money without a plan is like a fly without a head. Therefore, it is important to make a good family financial budget, which will make you very aware of the necessary consumption and unnecessary waste for a period of time, and when you are very impulsive and want to shop, as long as you think about how much money you can only spend during this time, you will discourage the idea of shopping, so that you will save unnecessary expenses.

Habit seven, spend only 80%.

Every month, take the money you want to spend out of your payroll card and put it in a drawer. When it comes to daily expenses, tell yourself that you will only spend 80% of them this month. It's a goal, and if you can achieve it, feel the sense of accomplishment with your family.

Finally, save 20% of your savings in a separate account for travel** or childcare**.