How do wage earners manage their finances in 2009?

First of all, I would like to remind you that financial management is not the same as being a copyist, going to be a copyist, doing **, doing ** or even doing foreign exchange. Financial management should pay attention to the safety of the principal and the control of risks!

It's a very good choice to start making regular investments now! It is recommended that you stick to it for 3 to 5 years, so that the income will be very objective! But don't put all your eggs in one basket, after all, the global economy hasn't started to improve yet, and it's not time to add more.

As for insurance, if you want to pursue income, you can do universal insurance, so that you can protect your capital and not miss the opportunity in the capital market! (Universal insurance is when the insurance company invests money in the capital market and then distributes the surplus according to profitability, but you are not liable if you lose money if you make a mistake.) That is, your principal is 100% safe) can also be used as a forced savings!

This way you won't become a Moonshine Clan!

Finally, I would like to remind you: it is best to buy yourself an accident insurance first to increase your worth! This is also a sense of responsibility to the family and parents! (I am from Fuzhou Branch of Chinese Life Insurance Company).

Financial cases. In this case, Ms. Zhang and her lover are both ordinary salaried people, who have just married and bought a house with a mortgage, spent all their savings, and have to repay a mortgage of 1,000 yuan per month, with a loan term of 5 years. The two have a monthly income of about 3,000 yuan, and a monthly expenditure of about 1,800 yuan (including a mortgage), and both husband and wife have basic insurance, and have about 10,000 yuan of other income every year.

Ms. Zhang is a conservative investor who has deposited all her money in the bank before buying a house, and has handled regular savings and lump sum withdrawals. Now, Ms. Zhang wants to pay off the mortgage as soon as possible, or apply for a lump sum deposit of 1,000 yuan per month, or make some investments.

Financial analysis. Ms. Zhang's family has a monthly income of 3,000 yuan, deducting expenses, a monthly balance of 1,200 yuan, plus 10,000 yuan of other income every year, and the annual net income is about 24,000 yuan, which belongs to the working class. Buying a house with a mortgage loan and having zero savings in your hands.

The family's economic situation is characterized by a low overall risk tolerance of the family. The cash flow is stable, but small.

There are no other additional stresses on the family, and both husband and wife have basic insurance. Having a child after two years will cost you a significant increase in the cost of living.

Financial advice. Based on the above situation, the following suggestions are made to Ms. Zhang:

Maintain a mortgage loan repayment plan. Mainly because the family has not been formed for a long time, the foundation is thin, and the ability to resist risks is poor, so the pressure of loan repayment can be shared.

Investment Plans. Considering Ms. Zhang's conservative investment philosophy and the current economic situation, there are bank deposits, money market**, and treasury bonds to choose from. For the net income of his family of 24,000 yuan, it is recommended that 50% be used for treasury bond investment (about 12,000 yuan), 40% for the purchase of money market** (about 9,600 yuan), and 10% for bank fixed savings (2,400 yuan).

Invest in Treasury bonds. From the perspective of liquidity, it is recommended that the first book-entry treasury bonds, the term of treasury bonds is 3-5 years of medium-term treasury bonds, the coupon rate is higher, and an investment is made every year, and after a few years, the treasury bonds can be rolled over, so that the treasury bonds are invested every year, and the treasury bonds are due every year.

Invest in the money market**.

The yield of the money market** is about 3%, which is equivalent to short-term treasury bonds, which is calculated daily and converted to capital on a monthly basis. Even if you need money urgently, you can redeem it at any time without any fees and tax-free. Through such a steady investment plan, after 5 years, Ms. Zhang not only easily repaid the mortgage, but also had a considerable wealth.

Yes, just graduated, it's not easy, I graduated more than a year ago, changed two jobs, and now it's a little more stable. I am in foreign exchange, I know a relatively lot about foreign exchange, it is very profitable, and the risk can be controlled. You can trade at home with a software, 24-hour trading, and there will be a hand to teach you to trade.

Financial management is to rely on their own learning, other people's experience is not suitable, because the personal environment is different, or I admire you, two years after graduation is not a moonlight family, think of financial management, money is immeasurable... Hehe.

Financial management is a great knowledge, and everyone generally knows that behind the high yield means this high risk, **, **, **.

And so on. So be mentally prepared when you get involved in this field again!

Your salary is not high, but if you have a financial plan, you will make progress and not be a moonshine family.

The national policy in 2009 is to expand domestic demand to stimulate consumption and avoid the impact of the financial crisis, so you should invest cautiously in 2009, ** the market can be concerned for a long time, it is recommended not to get involved in investment too much, because your principal is too small, the degree of risk is too small.

The remaining 700 yuan you can save 500 yuan per month, and the remaining 200 choose some financial products

It is advisable to work hard to increase your income first.

For the working class of about 4,000, the income is not very high, so it is necessary to learn better how to manage money in order to avoid the situation of "moonshine family", so how do salarymen manage their money. Use a credit card to pay for part of your daily expenses, because the credit card is interest-free within 50 days, so you can use the credit card to ensure that you will not disrupt your financial plan and make yourself better financial.

Hello! If you are not interested in **, ** and **, it is recommended to appropriately increase the share of ** regular investment.

External monthly income 3800 - basic living expenses 800 - loan repayment amount 1480 = 1520 demand deposit can be set aside for three months of living expenses for emergency purposes, and the balance can be used as fixed deposit or to buy currency** and other wealth management products of the bank.

It is recommended to save 1,000 yuan per month, and another 520 yuan as a floating fund for the family and to buy insurance.

You're already planning for the future, and that's managing your money. Spending all the money in your hand everywhere to make it worthwhile and appreciating in value is a successful financial management.

There are no experts, only losers and winners, to borrow a phrase from QQ Farm: vegetables can be planted as you like, and you can plant them if you want. The ancients said: There are times in life that you need to have, and there is no time in life when you need to ask for it. Happiness in life is far more important than having money.

50% for consumption. 5% is used for parental pension. 5% is used as a pension for both of you. 15% raise children. 5% spare. If you want to invest, you will split it in the consumption piece. Be specific.

Go to Ledai.com to see financial planning.

First of all, you need to know how your usual expenses are allocated, what are your major financial goals for 3-5 years, and what are your financial goals for 5-10 years

1. Be clear about your assets and financial situation, fill in your balance sheet and cash flow statement, etc.

2. List the family's life goals, such as: having children, buying a car, children's education, traveling abroad, retirement, health care, etc., the more detailed the goals, the better.

3. Goal classification, which goals must be achieved no matter what, if you can't achieve life will regret it, these goals are your responsibility goals, and the rest are your desire goals.

3. Give priority to ensuring your responsibility goals! Okay, to determine the point in time when these goals will be achieved.

4. How much does it cost to calculate the responsibility goal?

5. How much money can you allocate to each goal now?

6. Calculate the ROI that needs to be achieved for each goal. Generally speaking, the better the rate of return requirements, the greater the risk, and the less likely it is to achieve the goal. If the risk is too high, is it delaying the achievement of the goal?

Or increase the initial investment? The final result is the rate of return to be achieved for each goal.

7. Choose the right financial instrument or combination of financial instruments according to the rate of return.

8. Check the process of achieving the goal and adjust the investment portfolio.

9. If there is still cash flow left, plan the desire goal as in the previous steps.

It depends on your actual situation, everyone's situation is different, and the choice of financial management methods is also different.

First of all, it depends on how much money you are prepared to spend on it.

Secondly, what is the proportion of your money to your total assets?

There are also your usual expenses and income, which also determines the choice of your financial products, you can ask me if you have any questions.

It can be a wealth management product with annualized income.

Whether it is a catechism or a way to invest. If it's just a fixed deposit bank, then it's really not called financial management. First of all, you couple must first determine whether you dare to make risky investments, if you don't dare, then buy some low-risk financial products, so that the annualized return will be much higher than the deposit period, if you dare, pay more attention to ** and **** market, I can only give you direction.

The specific operation depends on your own wishes. If you don't want to make a risky investment, then don't care about inflation, no matter what low-risk financial management methods and products can't resist, only high-risk investments or participating insurance and the like can be resisted... However, they all have uncertainty because it is not certain how much the dividend will be.

The best way to deal with inflation is to invest offset, at present, our country does not have particularly good financial products, prudent financial management is recommended to invest in shops, aggressive financial management is recommended **t + d or **, the best financial management is to start a business.

It depends on your monthly salary to decide the direction of investment! Generally it is your age and income to divide your needs.

**Regular investment,**Regular investment, etc. are all options that can be considered.

Ordinary salaried people have not yet achieved financial freedom, and their risk tolerance is relatively weak, so it is recommended to choose insurance and bank financial management.

1. Insurance. It is a high-interest time deposit and cannot be withdrawn during the period.

2. Bank demand. It is readily available to ensure living expenses.

3. Bank financial management. Pay attention to whether the product is bank-issued and principal-protected, and you must choose the bank-issued and principal-protected.

Generally, it is a loss of money, the risk of P2P is too high, and the principal is not safe.

Buy yourself an accident insurance first! First of all, I declare that I am not selling insurance, because you are the pillar of the family, and it means that everyone in the family is counting on you, so you should give yourself a protection and a protection for your family. In addition, calculate how much your hard expenses are each month, and if you have a balance, you can buy a dividend-paying insurance for your children to save money for school.

If you have these, and there is a balance of funds, you can try to invest, for example, you can choose a ** long-term holding, in addition, it is best to prepare a part of the cash that can be accessed at any time in case of emergency. In my humble opinion, I hope it helps!

How to solve the problems of children's education, medical pension, asset inheritance, and asset preservation and appreciation under high inflation?

It's imperative to manage your finances! Your monthly income is not low, how much can you take out as a deposit every month?

At present, the official inflation rate is 6%, and the actual inflation rate is 12%! Depository banks are clearly not inflation-resistant; A** field is basically a market for money, and ** is basically a loser; **Foreign goods are highly leveraged and high-risk, and it is best not to touch them for non-professionals; **Already at a high level, the risk is high.

You can consider investing in the world**. The average annual income of the world's ** is more than 20%, which is much higher than the performance of the domestic **!

I recommend investing in the world's ** regular investment through Huayin Financial Group, with a minimum of 30% of the principal and a maximum of 125% of the principal when opening an account, no handling fees, tax and debt avoidance, and the principal can be recovered in two years at the earliest, and the remaining profits can continue to grow in the account with rolling compound interest.

Huayin Capital Group is the country's top third-party financial institution, with a team of financial experts from Wall Street, Hong Kong, Australia and other places, a quantitative trading system developed with its own investment of 60 million, and its own professional technical team, specializing in wealth management on behalf of customers, with an average annualized return of more than 20% in history, successfully avoiding the impact of the 2008 financial crisis, and promising that the annual income of less than 10% will be free of service fees!

A few suggestions:

1. Pay off the credit card as soon as possible in a planned way, and eliminate as many as possible if there are more.

Yuan savings are only 350 yuan a year, and eating out one less meal is equivalent to saving 10,000 more years of interest, right? Do the math yourself.

3. The main pillar of the family should buy accident insurance, and the insurance amount covers the mortgage + children's living expenses in the next ten years. For example, the housing loan is 600,000 yuan, and the children's living expenses are expected to be 300,000 yuan in the next ten years, and they must be guaranteed to 900,000 yuan. If you're stressed, take a little less insure.

4. Long-term investment in the form of small deposits and lump sum withdrawals, and save some fixed investment if you have money**. (Don't buy it all at once).

When it comes to personal finance, there are some so-called **, insurance or something to come to the door, and I feel very uncomfortable. If they are all so profitable, why don't they do it themselves, but run out and pull others away? Personal advice:

Depending on your own financial situation, it is much better to invest in some entities. Reason: You can see it, you can manage it, and you have your own development willingness and space.

Even if it is not ideal, you have the means and strength to redeem it, and venture capital is not necessarily your own decision.