How do I manage my money without a regular income? With a regular monthly income, how should I manag

First of all, keep an account for a month, and see what are the main aspects of your income and expenses? Are there any unnecessary expenditures?

Open source and reduce expenditure! First, the three links of financial management.

1. Save money: Earn one and spend two for the rest of your life to be poor. Forcing 10% of the money to be deposited in the bank every month, many people say that it can't be done, and if you don't take this step, you will never have money to spend.

2. Make money: **, **, bonds, real estate.

3. Protect money: There are unforeseen circumstances, and no one knows what will happen, so you must buy insurance for yourself, which is an important means of financial management. 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.

One center, three basic points: take money management as the center, save money as the starting point, generate money as the focus, and protect money as the guarantee.

2. How much money can I start managing my finances?

I don't care how much, I save 100 yuan a month to buy **, and save from 20 to 60 years old, which is 637,800 yuan; 30-year-old to 60-year-old, is 220,000; Deposit from the age of 40, 70,000; 50 years old, 20,000. Money is a long-distance running champion, and financial management must start from a young age. The disposition of money:

You don't love me, I don't love you. Girls, they must be self-reliant, rely on the mountains, and rely on everyone to run.

3. How to allocate assets: The reservoir of individuals should be divided into three parts.

The first amount: emergency money, living expenses for 6 months to a year. Deposit bank, current, fixed, or money market**.

The second part: life-saving money, three to five years of living expenses, fixed deposits, national bonds, commercial pension insurance. It should be something that will protect the principal and not lose money, but only more and not less.

The third part: spare money, money that is not used for five to ten years, only this kind of money can be used to buy, buy, do real estate, or partner with friends to open a business, to do this kind of investment, then it must be spare money.

The level of China's **? Ha ha. Help you lose money, so that it is difficult for them to make money.

After deducting the necessary expenses, the monthly income will be deposited in the bank for a lump sum deposit.

This is too easy to do, 1. First of all, we can choose the method of small deposit and withdrawal, such as opening an account with a small deposit and lump sum withdrawal in a bank, and setting a time to withdraw this money at a certain time in a year. It's very secure and it's safe. 2. Furthermore, you can buy regular investment**, because the requirement is stable, you can buy the money market**, that is, you can deposit a certain amount of money every month, and if you use the money, you can apply to the bank in advance, and the income will be higher than that of bank deposits.

3. There is also a fixed investment of buying bonds, and the risk is relatively small. The current market is still good.

Take it out and invest it in me

A fixed monthly salary is reasonably distributed for financial management

1. Transaction needs, that is, after the salary is paid, first take out the funds that are fixed for the expenses of Huikai Bank every month. For example, housing, utilities, communications, transportation, meals and other necessary expenses, we will list these necessary expenses each month on paper, compress the amount of needs to the minimum, and prepare the corresponding funds from the salary.

Since this part of the funds is not a one-time consumption, you can buy some flexible access currencies through your mobile phone**, and use them as you go, which can not only earn income but also do not affect consumption.

2. Prevention needs, that is, to take out a part of the cash from your salary and keep it at home and in the bank, generally about 20% of the amount after deducting necessary expenses (adjusted according to your salary level). This part of the money is used to prepare for the preparation of emergencies, the cash at home is enough, and the part of the bank can be saved in demand first, and then converted to a fixed term after reaching a certain amount.

In short, this part of the funds requires cash to be matched with the bank, current and regular. The principle is to prevent emergencies, supplemented by earning income.

3. Investment demand, which is used in wages to obtain financial income. The remaining part of the funds will be invested in accordance with the principles of investment portfolio, high and low risk matching, and long-term and short-term matching.

Remaining salary management can refer to the following suggestions.

Ultra-low risk: 90%+10% of bank fixed and cash ratio, very low return and very low risk;

Low risk: currency** + bank fixed deposit + capital guaranteed wealth management products, the proportion is 20%, 40%, 40%, low return, low risk.

Medium risk: currency** + bank fixed deposit + index ** + ** **, the recommended ratio %; Medium returns come with a certain risk of loss;

Medium and high risk: currency**+index**+active**+**, the recommended ratio %; High yield comes high risk.

Life is not easy, and we are eager to meet warm-hearted people.

At home, it is good to have a warm-hearted lover who thinks of you in everything, speaks in a measured manner, and never makes you angry;

In the unit, there is a warm-hearted group, regardless of the wild dates, do not laugh or talk, and never quarrel with you, how good;

Outside, there is a group of warm-hearted people, there are people to help them in everything, everyone is kind, and they never blush with you, how good. If there is such an opportunity, I am afraid that he will be the happiest person in the world. I want to be such a person, I don't think anyone wants to.

However, looking back at myself, is he a person who thinks about his lover in everything at home? I always want my lover to treat myself well, but I am bored with my lover! The ancients said that respecting each other is like a guest, do you treat your lover as a guest?

Perhaps, it was okay when I got married for a while, but after a long time, my lover's face was wrinkled, not beautiful, and she was vulgar, so she got tired of it. There are frequent quarrels, and it is not pleasing to anyone who looks at them. So when you ask people to be nice to you, first you have to be nice to people.

Those who love love to return, and the love is deep when the love is true. On the contrary, complainers complain and ...... when they are upset

In the unit, you are eager to meet a group of warm-hearted groups, everyone is a group of kind, empathetic, do not care about things, the overall amount of others, smile at you every day, never quarrel with you. But have you done that? Do you give your brightest smile to your colleagues every day?

Do you think about your colleagues and leaders every day? Don't you ever take your anger out on others? If so, congratulations, you must be the most popular person and the happiest person; But the fact is that you always put your emotions on your face, one will be sunny and one will be cloudy, one will be bad, one will be that bad, and you will say right and wrong in front of your colleagues, although it is not a big deal, but it makes people feel that you are always a little wrong, colleagues are alienated from you, and the leader does not trust you, such a day can be called a good day.

1. Savings. Saving money is a very important thing for everyone. Don't think that you can spend less money casually, saving is a process of accumulating small amounts, and all wealth depends on accumulation.

Saving is the first step to financial freedom for many people, and it is the most basic and important stage. No matter who wants to achieve passive income of "money makes money", they need to have the blessing of principal, and saving is to accumulate principal. Many people's "first pot of gold" is saved by themselves.

The order in which you save money is very important, and many people spend it until the end of the month, and how much they have left to save is often left every month. If you change to save first and spend later, you may find that it has no impact on your life, but the account balance is slowly increasing.

For young people who have just stepped into the society and got their first income, it is a good idea to start with 10% of their income.

In addition to bank deposits, less risky currency ** products are also a good place to save money, and the key is to develop the habit of "only in but not out".

Article **1 II. Self-investment.

If your income is not high, you should plan well to spend your money on **, don't eat and drink, you can give priority to spending money on your wish list, those things that can help improve your own advantages. For example, take a course, take a certificate, buy a computer or mobile phone that can improve your productivity. The programme can provide more choices and preparation for future professional life; Certificates can improve their competitiveness in an industry in the future, and in some industries, certificates are directly linked to income; Good office equipment can make one's work twice as effective with half the effort, these aspects seem to cost money at the moment, but in the long run, scattering can help individuals improve their earning power and appreciate their value.

Of course, it may be that the balance of one month is not enough, and it takes a period of accumulation. Since the conditions do not yet allow for throttling, then spend the money where it can be open source.

3. Insurance. The purpose of insurance is that it can pass on the financial losses caused by the risk and protect the rubber money bag that is not full.

With the huge pressure of work and endless nights, young people don't know which will come first, tomorrow or accidents, and they don't know when the disease will break out. Even if it seems to be a well-off family, it may be dragged down by any accidents, illnesses, and medical expenses. Therefore, the more you lack financial ability, the more necessary it is to match yourself with insurance.

Of course, you must configure it correctly according to your actual situation and ability to pay.