Why do some girls have a low monthly salary and an amazing amount of spending power?

I feel that these girls have a family or boyfriend as financial backing.

It's always right to be kind to yourself, women...

You only see her salary, not her rich dad.

These are some girls who like to compare themselves with others and like to spend ahead of time.

Because the original family is good, or the boyfriend is rich, enough to support them.

Because people nowadays advocate hedonism, they want to make themselves live a better and more comfortable life

Individual income tax payable = taxable income Applicable tax rate - quick deduction.

The deduction standard is 3,500 yuan per month (officially implemented from September 1, 2011) (applicable to wages and salaries).

Taxable income = monthly income after deducting three insurances and one housing fund - deduction standard.

Zhao's taxable income is 8000-8000*(1-18%)-3500=3060, applicable to the 10% tax rate, and the quick deduction is 105

Therefore, the tax paid is 3060*10%-105=306-105=201, so the after-tax income is 8000-8000*(1-18%)-201=6359, the same goes for the wife.

Taxable income 6000-6000*(1-18%)-3500=1420, applicable to 3% tax rate, quick deduction 0

Therefore, the tax paid is 1420*3%=

Therefore, the after-tax income is 6000-6000* (1-18%) combined.

According to the latest policy, this 10608 is not right.

The most important thing in investment and financial management is to choose products that suit your income goals, risk appetite, and liquidity requirements, and choose a "reliable" platform with big brand credit endorsement.

For example, the current product "Sanxiang Bank Current", the income can be withdrawn in advance, deposited and withdrawn at any time, interest from the same day, no restriction on holidays, withdrawal on any natural day, real-time arrival on the same day, no trading day limit, no limit limit, 100% compensation within 500,000 yuan;

For example, the fixed-term bank wealth management product "Revitalization Smart Deposit", with an annualized rate of return of about it, is a bank deposit product, with 100% compensation within 500,000 yuan, which is suitable for stable and above investors;

There are also some selected equity products, which are suitable for investors who can take certain risks and pursue wealth preservation and appreciation.

Personal finance.

It is very important to choose a regular platform to obtain peace of mind and at the same time better ensure the safety of funds.

The basic living expenses are deducted from the salary, and then the remaining money is deposited in a lump sum deposit.

After accumulating a certain amount, you can purchase bank wealth management products or treasury bonds and currency**.

For the vast majority of wage earners, salary is our only income**, so if you want to do a good job in investment and financial management, you must be good at using salary income.

So how should you manage your salary? First of all, we should calculate the necessary expenses and transfer them from the account to ensure that we do not end up making ends meet at the end of the month by buying, buying, buying.

The necessary expenses here refer to car loans, housing loans, water, electricity, gas** fees, gasoline expenses and other expenses, that is, this part of the money will not be spent and you will not be able to live next month, which is called necessary expenses. For expenses such as watching movies, shopping and buying clothes, we should use the remaining money to compensate for this part of consumption after doing a good job of wealth management planning.

After subtracting the necessary expenses, we should divide the remaining money in the account into two main categories. These two types of money are forced savings, one is more flexible and short-term; One is optimistic about the long-term investment returns. If you are a young group with less unexpected expenses, it is recommended that you can keep less funds in the short term and focus on medium and long-term investments to obtain higher returns.

In addition, short-term investments can also be used for additional monthly expenses.

The biggest advantage of regular investment** is that it can dilute the cost and obtain stable income. The investment period is generally between 1 and 3 years, and the annualized return can usually reach more than 10%. It is a high-quality financial management method with controllable risks.

The plan is as follows: BAI

1. First of all, the reserve fund is about 10,000 yuan as a reserve, and the reserve can be used to buy currency**, which can be answered.

Make full use of it, the currency has good liquidity, and the redemption time is short, and it can be used reasonably. (The interest rate is greater than that of demand deposits).

2. You can buy several ** including ** hybrid bond ** due to the young age of the family in this case The investment ratio is 50%** 40% hybrid** 10% bond ** (first understand the **type, allocate funds according to the plan and adjust it in a timely manner!) Proper management can increase your wealth, save for a wedding or a down payment on a house).

Except for rent, food, and some bits and pieces, there is not much left. Save as much as you can, and then put the rest of the money in the bank.

The basic living expenses are calculated first, which varies from person to person and depends on how much is left.

Deposit and invest online to get it yourself.

The salary is about 1500, and it is estimated that there is not much left, right?

Your scope is also too broad, and you generally have to be more specific.

The premise of personal finance is to open source and reduce expenditure, that is, it is reasonable to say that there is money, and there is nothing to do without money.

The bank deposit is enough for 3-6 times your normal monthly household expenses to prevent any sudden changes in the family and the urgent need for money.

The rest of the money, it depends on your risk tolerance, you can invest in high risk in order to get high returns, just invest in **, real estate, **, etc., if you are not professional, just buy ** or something, but also divided into risk levels, generally will do a test for you first.

If your risk tolerance is low, you can buy treasury bonds, currency**, bank fixed deposits, or something.

Insurance must be bought, to your family annual savings of 5%-15% as well, too high affect your life, too low to play a role in protection, before buying must ask professionals to tailor for you, insurance is not the best only more suitable for you.

Learn to live within your means first, and only when you have a balance can you manage your finances.

When you have a balance, it is recommended to 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 starting capital is 1,000 yuan, and the fixed investment starts from 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.

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.

Financial management is divided into two parts, which are divided into open source and reduce expenditure.

As for what to do, you have to figure it out yourself, others can't help you.

If you don't have any concept of financial investment, it is recommended to deposit in the bank, which is the safest, and take out about 10% of your salary every month to save compulsorily. The annualized rate of return is about 2-3%.

If you have some higher pursuits, but want to have a lower risk, you can buy pure bonds** or currency**, which can have a slightly higher return on the premise of ensuring the safety of the principal. The average annual income is about 3%. You can register an account on the Tiantian Foundation Network, and the purchase fee is the lowest in the whole network, which is 1% off.

If your risk tolerance is a little higher, you can buy some balanced bonds**, hybrid**, etc. Because the landlord gives the financial management of low-wage people, it is not recommended to buy **type** (although the income is relatively high, but the risk is relatively large, and it is a bit unaffordable for the working class). Balanced bonds** yield around 4%; Mixed type**10%, but there is a possibility of losing money.

As for the bank's wealth management products, it is also a very good choice, but it generally requires 50,000 yuan, so it depends on whether your principal can be reached. According to the recent general rate of return, it can reach about 4-5% per year.

I hope it can help the landlord.

Personally, I feel that the 52-week challenge is good, which can allow people who do not have financial awareness to save money

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.

Nowadays, the financial management platforms are relatively formal.