I want to manage money, but I don t know where to start, I don t know anything about financial manag

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First of all, you have to learn how to manage your money. The book "Rich Dad, Poor Dad" is recommended by the public, and I personally think it's good to read it, and I personally recommend reading it, there should be an electronic version on the Internet.

You can buy a lower-risk wealth management product first, or buy a reverse repo of treasury bonds, which has a lower risk.

Tang Seng: "If your wife and your mother fall into the water at the same time, who will you save first?" "Wukong:". Tang Seng: "Who to save first?" "Wukong:". Tang Seng: "Wukong, ask you for the teacher!" ”

You can go to the bank every month to deposit a lump sum or deposit 12 slips. Deposit once a month for 12 months. The interest of this 12-deposit certificate method is more than that of a fractional deposit, and I am also depositing 12 certificates of deposit. You try it too.

Hello, I am Ping An of China, see what kind of financial management you want to do, do you want to buy financial insurance products, or do you want to do investment **** trust credit? ?

It depends on what you want to do.

Let's do it! The hottest market right now.

1039208004, do you want to come to learn the spot first?

How can you not do spot **, how can you be willing to make me sad...

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 should you start your regular investment?

There is no doubt that it is never too late to start from the beginning of the leakage of the current dry book. Why should you start? Regardless of the beautiful vision of making money without rotten 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 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 the right amount 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 exactly 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 part. Incremental money is the extra money that can give you an improved quality of life, as the saying goes, "buy, buy, buy".

But if we change the way and use it for financial management, will this arrangement be better?

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.

If you are a novice and have some funds, you can buy the bank's short-term wealth management products first, which have a month or so for dozens of days or half a year, and the income is above and there is no risk. After experiencing financial management, you can try to choose a reliable platform to participate in P2P financial management, the income is much higher than that of banks, but the risk is higher.

Financial management is a matter that implements our life, you don't manage money, money doesn't care about you, novices don't know how to manage money, you might as well take a look at a few suggestions.

Develop the habit of saving money, and open source should be more economical.

Modern people's life is generally under great social pressure, in addition to the basic expenses every month, there are some additional consumption, the salary is generally not much, some people feel that just such a little money is not much effect on saving, but if you don't accumulate small streams, you can't become rivers and seas, you can't accumulate steps to thousands of miles, and a little bit of money every month can be saved, and eventually you can gather sand into a tower.

In the matter of consumption, we need to distinguish between the two concepts of "must" and "I want", and what "I want" can be ignored for the time being. Save the rest, you can make a regular investment with this money, and set the deduction date for the regular investment to the day after the salary payment date to force savings.

Simple planning with small funds.

In the case of small funds, it is better to deal with it simply, young people need to accumulate wealth quickly, and they need to actively manage their finances.

Enrich yourself, let yourself master more knowledge of investment and financial management, and do basic financial management Maybe some introductory knowledge is enough, but if you want to hope that the effect of financial management can be better and get higher returns, you need to learn more knowledge and make yourself more professional.

Adjust your financial plan at different stages.

A person can have a lot of financial goals in his life, as his age increases, his work ability will be **, and his salary level will also be **, and after reaching a certain stage, his earning ability will reach a peak and then show a downward trend, so we need to constantly adjust our financial planning according to our different stages.

Friends who are familiar with meow know that meow has been learning financial management for more than a year. I started to learn from Yuan's long-term investment financial management training camp, and then took two stages of insurance, ** and **, and I also read many books on financial management.

At the beginning, I made great progress, especially from the moonlight clan to the first time I had a balance, and when the price of the ** I bought increased for the first time, for several days in a row, I was immersed in the excitement of "I got rich".

However, as time went on, I found myself slowly starting to get stuck in a bottleneck.

First, I found that "no matter how good the strategy is, it can't outpace the general trend".。As Liang Ning said in "30 Lectures on Product Thinking", "You are desperately running up, but you are choosing an economy that is declining, and the speed of individual efforts is far less than the speed of economic sinking." Like the guy who worked hard at the newspaper but the newspaper still went out of business, didn't he work hard enough?

From 3500 to 2500, how many will escape the doom?

These two problems are difficult for me to solve on my own.

I had to jump out of the financial circle that I grew up in like me, and go out into the bigger world.

I buy financial products on mobile banking, generally one month, three months, half a year, and one year, and the minimum purchase amount of each product is not the same, depending on your own situation. Although the interest rate is not very high, it is much higher than the current account of the deposit bank, and it is also a stable type, which is convenient.

It is better to put it in the bank, and the interest rate will be higher for a five-year fixed deposit.

If you don't have financial experience, I think you should keep your money in the bank and start learning money on your own, or you can hire a financial planner to help you manage your finances.

If you want to manage your money better, you can first prepare a notebook to write down all your expenses and income, and write down the amount of money you want to buy and save.

No one will ever come to the meeting, even children know that the pocket money given by their parents will sometimes be saved, as long as you can make money, you will save the money that you can't spend, accumulate a lot, form a habit, count more money, buy some ** or others, slowly explore in it, and go to the bank to learn more about relevant financial knowledge.

If you have no financial management experience and want to manage your finances, you can hand it over to the bank or to a third-party institution.

If you want to manage money, but you are helpless and have no financial experience, you can go to the bank and ask a little about financial management, and they will patiently tell you some things about financial management.

Be rational in managing your finances. The comparisons are all real gold**. Just be careful.

The first choice is the bank's wealth management products, or you can ask a friend.

First of all, buy a handbook and write down every money you spend to give yourself an impression.

People who have no financial experience should find some people with financial experience to ask about the method, or find a financial institution to manage their finances.