Is it important to manage your money? Please, thank you

Of course it's important! Because you don't manage money, money doesn't care about you!

Financial management is indispensable for everyone in today's society, and a good understanding and use of financial management can make you a rich personThe most important thing is to let you live a comfortable life, and you will not be bothered about money. And the best way to make money is to touch the good (financial management).

The most important thing in financial management is to distinguish one's own property, and the property should be divided into: 1. The money to be used. Second, the money to prepare for emergencies, Third, spare money, (money that cannot be used in 5 to 10 years) The money to be used is, of course, consumption (it should be noted that insurance is essential, it is also an important point of reasonable financial management), money for emergencies is also essential, used to solve problems, (that is, money used for survival) And the last spare money, can be bought treasury bonds, **, or investment,

The sooner you learn to manage money, the more rewards you will have, if you are still a person with no income, then what you need to do now is to make reasonable use of your pocket money, and do not have impulsive spendingYou don't have to spend money to save itI wish you success,!

The main theme of prosperity in Chinese society is quietly changing: in the past, people were accustomed to slowly accumulating wealth through honest work, living within their means, and being thrifty and thrifty"Manage your money"It is also an important way to share the fruits of China's economic growth and achieve wealth growth There is a saying that is particularly popular this year:"Can't outrun Liu Xiang, but outrun the CPI (Consumer Price Index).

It's a joke, but it makes sense. In an inflationary – even if it's just"Structural inflation"--, to make the money in your hands not melt like a popsicle on a hot day, at least to outperform the CPI. Let's say in January of this year, you put money in your pocket for a fixed period of one year"Whole deposit and whole withdrawal", which was a one-year period at that time"Whole deposit and whole withdrawal"The interest rate is only, deducting the interest tax of 20, only the book investment return, and it will definitely not be able to run the CPI indicator in a year, and the income can only be negative.

For this, a person who does not do ** (just keeps his money in the bank or simply hides it at home) or does not gain much from ** will feel a little stronger; And a person who has stepped in** since last year and shared the results of the bull market may feel a little lighter, or even no feeling. In other words, the main theme of prosperity in Chinese society is quietly changing: in the past, people were accustomed to slowly accumulating wealth through honest labor, living within their means, and being diligent and thrifty; Now, many people suddenly realize that in addition to the factor of labor, other factors - such as capital - also play a large role in the growth of wealth.

With the help of capital"Rubik's Cube"Wealth is accumulating faster than income from labor alone. According to the National Bureau of Statistics, in 2006, the growth rate of per capita property income in the country was twice the growth rate of labor income. Among them, among the income of urban residents, property income increased by a large margin over the previous year, far exceeding the increase in the total income of residents in that year.

Absolutely"Capital Rubik's Cube"To be able to turn up, the prerequisite is there"Capital"。In the past, people always thought"Money begets money"Far from themselves - that's just the preserve of the rich, but now ordinary people have it in their pockets"Spare money"。By the end of this year, the balance of Chinese residents' bank deposits, the largest part of their savings, is expected to reach a historic 18 trillion yuan, a figure equivalent to 450 times the 40 billion yuan in 1980.

This was hard to imagine in the past. This is why the report of the 17th National Congress of the Communist Party of China was put forward for the first time"Create conditions for more people to have property income"。The reason why financial management is becoming more and more important lies in the fact that after nearly 30 years of reform and opening up, the development of our country's capital market and financial market has reached a new level"Spare money"Finding various channels for preserving and increasing value offers the possibility.

Originally, people could only choose to deposit their surplus money in the bank or invest in a few investment varieties such as treasury bonds, but now residents can invest in a wide range of fields, such as foreign exchange, foreign exchange, etc. Residents can invest not only in the domestic market but also in the foreign market, not only in the financial market but also in the real estate market.

Be realistic. Manage your money according to your actual situation.

Specifically, the first step in financial literacy is to learn about financial literacy, which is an essential and crucial step for everyone who wants to learn how to manage money. Financial knowledge can be obtained through some financial books or people with relevant financial experience and knowledge, without these experience as a foreshadowing, blindly choosing financial products, it is easy to lose your money. Financial management is not imaginary, it requires a certain amount of knowledge as the foundation, on the basis of mastering a certain amount of financial knowledge, choose the right financial products for yourself.

Correct financial management is not only limited to the choice of financial products, but should first make an overall plan for their own funds, make a classification of their own funds in general, divide their existing funds into fixed income, necessary expenses, working capital, deposits, etc., according to a certain proportion, and be able to make a prediction and plan for their own funds, and then consider investing in financial products on the basis of ensuring their normal life, so that their property appreciates.

I believe that after understanding this, your financial management path will be smoother and smoother.