How do women manage their finances, and their salary is around 4000

At present, China Merchants Bank has many ways of personal investment and financial management, such as: fixed-term, treasury bonds, entrusted wealth management, **, trust, insurance, etc.

Each product has different risk levels, minimum purchase amounts and yields. You can choose the financial product that suits you according to your investment preferences, risk tolerance, liquidity, etc. If it does not exceed 50,000 yuan, you can try to understand the "Chao Chaoying".

Chao Chaoying" is connected to the investment ** Zhao Qian Bao currency ** class B (**: 000607). Minimum purchase of 1 point, redemption of 1 point, limit of 50,000; 7*24 hours to transfer in and out at any time, no fees; Quick redemption up to $10,000 per day, immediately credited.

In addition, you can also visit CMB outlets to consult the wealth manager for relevant advice.

I don't know what you want to do, in the long run, ** regular investment is the best, at least 1000 per month, stick to it, and I am guaranteed to surprise you after 20 years.

No matter what you do, don't leave yourself an urgent need, and don't affect your life's ......If you can understand that "eggs can't be put in one basket", spot, you can learn about it, and it doesn't hurt to know more about a financial product, and you can compare it if you understand it, right? You can add me a buckle: the paint flow is 128 for a long time 0.

**,**Forex,** or something......Note: Wealth Management.

Leave a certain amount of living expenses and other necessary expenses, and all the other are deposited in the bank during the death period, and there is no way to spend money if you want to.

Salary 4000 financial benefits.

1. Open source and reduce expenditure, improve passive income;

2. Prevent excessive consumption and become a moonshine family;

3. The salary is not high, and you can start to accumulate a lot of money from saving money;

4. Plan financial goals in advance, such as buying a house, buying a car, getting married, raising children, and providing for the elderly;

It depends on how much you have fixed expenses for a month.

Subtract the fixed cost.

The rest of the part is taken out for small deposits and withdrawals.

For example, you get 4,000 per month, rent, food, water and electricity bills, Internet fees, bus fares, ......Spend a total of 1,500 and have 2,500 yuan left, and save 1,500 or 2,000 yuan in small deposits on the second day of your monthly salary.

The rest is put in the bank card in case you need it.

Salarymen mainly have to have a financial plan, such as how much money they will have in five years and what they are going to do. Salarymen, except for dead wages, are hardly able to make living money, unless you earn some extra money yourself. You might as well learn about some investment and financial products that can be operated by yourself, and you can operate more flexibly after work at night, first take a small amount of money to learn, many of you can communicate with them after work, and do not disturb them.

First of all, your monthly salary must be deducted from your monthly expenses, financial management, is the wealth in hand can be managed, that is, you have to know how much idle funds you can use for financial management, how much your living expenses are, how much unexpected expenses are, in addition, is the part that can be used for financial management. At the same time, before managing money, you need to understand the characteristics of various financial products, because the returns and risks of different financial products are different, and you must understand your own personality characteristics, and different personality characteristics are suitable for different investments.

It can be divided into several parts for investment, but it is not recommended to take all of them into financial management.

The most important thing in financial management is to learn to keep accounts, record daily income and expenditure, know your own income and expenditure details, bookkeeping is actually very simple and expensive to insist, you can try to use bookkeeping software, simple and convenient, such as Jiameng personal information management software, suitable for the financial planning of the general public.

The vast majority of us live on our own wages. In order to make our lives better, we need to distribute our salaries reasonably, improve our financial management capabilities, maintain and increase their value, and make our economic and economic conditions better. ......Specifically, for our own salary distribution, we should set aside a sufficient share of daily life expenses, set aside enough reserves to meet unexpected needs, and invest the remaining salary into financial activities that we are familiar with.

1. Distribute your salary reasonably, first of all, you must set aside an adequate share of daily expenses. Our salary income should first meet the needs of our daily life expenses. This is the basic guarantee that we can live a normal life.

Therefore, after we get a salary, we should first set aside a sufficient share of our daily life expenses to meet our daily needs. Only when this is done can the subsequent financial management activities be carried out normally. 2. We also need to set aside sufficient reserves to meet the needs of the emergency.

In addition to day-to-day expenses, we also need to take into account the special circumstances that we may encounter when distributing our salary income. ......Therefore, in addition to setting aside the expenses of daily life, you should also set aside another part of the money to meet your needs when distributing your salary income, so as to ensure the safety and reliability of your life. 3. We can invest the remaining part of our salary into the financial management activities that we are familiar with to obtain the maximum benefits.

When we have taken care of the expenses of daily life and the problem of preparing for emergencies, we can invest the remainder of our salary in financial activities to maximize the benefits and achieve financial freedom. ......When managing money, you must pay attention to the area you are familiar with, so as to ensure that you can make a safe profit, which is the most suitable way for you to manage your finances and the most beneficial to achieve financial freedom.

Welcome to pay attention to CMB Wealth Management, CMB has savings, large certificates of deposit, wealth management products, foreign exchange, **, ** and other investments for you to choose.

Risk and return are basically proportional, the choice of savings is required to protect the capital, the pursuit of low risk can consider currency ** and low-risk financial products, the pursuit of high yield can understand the investment **, foreign exchange, **and**, if you have a local China Merchants Bank, you can contact the branch account manager to communicate financial matters.