How to manage money when you have money in your hands How to make money with money

The latest method of lying down to earn is revealed! I have a spare amount of money in my hand, how can I make money and this operation?

1.Make a budget and stick to it.

Start by creating a reasonable budget that includes your income and expenses each month. In terms of spending, allocate money to necessities such as rent, utilities, food, transportation, etc., then save a certain amount for emergencies**, and finally consider using the rest for entertainment and other items. Then follow this budget and avoid impulsive spending that will ruin your budget as much as possible.

2.Allocate money to different accounts and projects.

If all your money is stored in the same account, it's easy to disrupt your budget against the impulse to spend. So, split your income across multiple accounts, such as savings accounts, investment accounts, emergency accounts, and more. This can help you manage your money better and ensure that you can handle any unforeseen expenses in a timely manner.

3.Make a pre-state disturbance personal investment plan.

Creating a personal investment plan can allow you to reach your financial goals step by step. A personal investment plan can cover a lot of things, such as investing in**, bonds, real estate, etc. It is advisable to try to understand a variety of investment products so that you can better understand the relationship between risk and return and can find the best portfolio for you.

4.Learn about financial literacy.

Learning financial knowledge is very helpful for improving financial management ability. Learning can cover many areas, such as asset management, financial planning, tax planning, and more. Learning will give you a better understanding of your finances, as well as better management and growth of your wealth.

5.Seek professional help.

If necessary, you can consult a financial advisor, tax accountant, investment advisor and other professionals. They can help you develop a good investment plan and savings strategy. At the same time, be vigilant and make sure you're relying on a professional you can repent or trust.

I have to say that the benefits of celebrities are still very high, and many people have to buy some useless things

In 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 to 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 just 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 appropriate 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 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 portion. Incremental money is the extra money that can give you an improved quality of life, as the saying goes, "buy, buy, buy".

But wouldn't it be better if we used it for financial management in a different way?

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.