2000 does not include food and housing, and 800 is left every month, how should I manage my finances

You can invest in **fixed investment, deposit a certain amount of money every month, which is equivalent to the way of batching, the cost of dividing the beach, you can earn RMB when it rises, and you can earn **grams when it falls, almost a year, you can see the income, and you can do this kind of financial management when the money is not too much.

Save it first, and when it comes to more than 5,000 yuan, you can try to manage your money.

1200 is fixed every month, if you can, you should reduce the expenses in 1200, and then fix the remaining 800 every month, you can go to the regular investment, now many banks have such a ** fixed investment, regular investment every month, so that you can be forced to save money, and secondly, you can manage your money reasonably, and the money you invest in is not much, how much can be arranged by yourself. At least you should be forced to save some money every month, so that a small amount of money can be saved into a large amount of money, and then you can make other investments. It's a bit long, but it's better than no money at all!

Suppose you want to raise 80,000 yuan after 5 years, and 1,000 yuan will be used for investment, then the wealth management product you need to find is a product with an average annual return.

If the future is a bull market, the yield of regular investment** is achievable.

Regular investment optional index**, such as Harvest 300, ChinaAMC 300, etc.

You can have a great way to manage your money...

This money can create a lot of value.

Let's make a regular investment, the key is to find a way to open source.

1. Bank savings: Bank savings is the most basic way to manage money, but the direct survival interest is too low, you can choose the open currency that comes with the bank card**, and many banks can set it automatically. When the balance of the bank card exceeds the set value, it will be automatically stored in the **.

For example, Chao Chaoying of China Merchants Bank Card and Xinjinbao of CITIC Bank Card.

2. Currency**: In fact, baby financial management is a kind of online financial management, and the annualized income of baby financial management on most platforms is now higher than that of banks, and the security is also higher, which is suitable for college students with smaller funds to manage money.

3. P2P financial management.

P2P is currently a cost-effective financial management method, and it is also a type of investment with higher returns that the public can access.

P2P is easy to operate, you only need to register on the official website of the platform to invest. However, the risk of P2P is high, and there are more than 2,000 platforms in P2P that are currently operating normally, and only by selecting a relatively safe platform for investment from more than 2,000 platforms can we make our principal relatively safe and obtain relatively high returns.

Extended Materials

Wealth management is divided into corporate finance, institutional finance, personal finance and family finance. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.

"Wealth management" is often used in conjunction with "investment and financial management", because "financial management" has "investment" and "investment" has "financial management". The so-called financial management is not only about investing money outward, being invested is also a kind of financial management, and if you don't know how to be invested, you don't know how to manage money better.

Specific content: Financial management, as the name suggests, refers to managing finances. When people talk about financial management, what they think of is not investment, but making money.

In fact, the scope of financial management is very wide, and financial management is the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:

Financial management is the management of a lifetime's wealth, not just to solve urgent money problems.

Financial management is cash flow management, everyone needs money (cash outflow) from birth, and they also need to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage their money.

Wealth management also covers risk management. Because there is uncertainty about more future flows, including personal risk, property risk and market risk, it will affect cash inflows (income interruption risk) or cash outflows (expense escalation risk).

Wealth management channels: The institutions that can provide customers with financial services in China mainly include banks, ** companies, and investment companies.

1.Bank Finance.

The wealth management products provided by China's commercial banks are generally large-amount certificates of deposit, asset management products, etc., and those issued by securities firms or companies on behalf of the company do not belong to wealth management.

2.Corporate Finance.

Wealth management generally includes income certificates, asset management products, etc.

3.Insurance and financial management.

Insurance and financial management are more inclined to long-term, focusing on solving the education planning and pension planning after a long period of time, and at the same time solving the problems of accident and medical protection.

4.Invest in corporate finance.

Investment company wealth management generally includes trust**, **investment, jade, jewelry, diamonds, third-party wealth management, etc., which requires a higher initial capital and is suitable for high-end financial professionals.

5.E-commerce financial management.

If the principal amount of investment is only 2,000 yuan, then the principal of the investment is indeed very small. In this case, liquidity and security need to be considered first, and then earnings should be considered. Because the investment principal of 2000 yuan is too small, it is not suitable for other investments.

There are a few ways to invest.

Short-term P2P wealth management, short-term fixed income wealth management is lower than the threshold of bank wealth management, which can ensure the safety of the principal and have good returns. The key to P2P investment is to choose a good platform, because the security of the platform is very important to prevent the occurrence of runaways.

Regular investment, the threshold for regular investment is the lowest, even if it is 10 yuan, 100 yuan can be invested. **Regular investment is suitable for long-term investment and can be used as your own long-term planning in the future. **Regular investment is a long-term investment, and the requirements for investment discipline are still very high, and there will always be people who take out their money when they need to spend.

When the principal is relatively small, it is not recommended to try high-risk investments, such as **,** and the like, after all, high returns are accompanied by high risks, and they do not reach the threshold of investment. No matter what kind of investment you make, you need to learn, and only after mastering the basic knowledge can you better manage your money.

Hello! The first choice for ordinary people to manage their wealth is to save money, as well as to buy insurance, followed by **, buy**, buy**, buy**, and buy national bonds.

First, the first thing to look at is your risk appetite:

1. If it is relatively stable, do not care about the low return, and need to protect the principal, you can choose to deposit, or insurance, buy **spot, buy**, or buy treasury bonds, these advantages are that the risk is relatively small, but the disadvantage is that the income is small, the change is small, it can be said to be relatively stable.

2. If you are aggressive, you can accept high risk and advocate high returns, then the equity market is more suitable for you, you can consider doing**, spot**, spot**, paper**, etc., these are certain risks, but then there are also high returns, these returns will be accompanied by certain risks, so you need to be cautious when investing.

Second, it is recommended to sort out your capital income and expenditure.

1. Divide each month's money into five parts, one for living expenses and family expenses; One is used to make friends and expand your network; the third is used to study, buy books or train to enrich oneself, and make progress little by little; Fourth, for travel, people live a lifetime, we need to walk a lot of roads, to see very beautiful scenery, the growth of life lies in continuous experience; The fifth part is used for investment, to feed money with money, or to make money out of money.

2. You must use spare money to make an investment, and you must not use the money you urgently need to make an investment, because it is easy for you to make a wrong judgment, and finally make an investment not to put your eggs in a basket, you can consider doing some hedging, so as to minimize the risk.

3. In addition, the family's financial situation, cash flow, future house and car, parenting plan, etc. should be considered together.

Finally, investments are risky, so you need to be cautious when entering the market. The purpose of financial management is to make our family life better, so it is important to be cautious and steady. The notion of hoping to get fat in one bite is not true.

My situation is similar to yours, I feel that you are currently in the stage of accumulating principal, I recommend that you do not invest yet, 1The market is complex and volatile, and it is not a good time to invest, and you are a beginner in financial management.

2.The principal you can use for investment is relatively small, and it is difficult to make a big difference for the time being, so it is better to hold the currency and wait and see, save while also learning the knowledge of financial management, so as to kill two birds with one stone, and wait for the soft power to reserve and then invest I believe the effect will be better.

3.Although the return on savings is not high, there is also knowledge, the existing bank 5000 yuan of deposits if it is a current savings can not be changed, so that from time to time, you can choose to save the first month's salary for three months, and then after the expiration of the first two months' salary to accumulate and deposit for three months, such a ladder deposit can ensure that the relative liquidity of your funds is not too rigid, but also to ensure a higher deposit interest

With a monthly salary of 2,000 financial management, it is very important to master some basic financial knowledge, and you should formulate a financial plan according to your own situation; There is also the fact that young people can force themselves to save money by means of forced savings; When investing, you should save some money for emergencies to protect your basic living needs.

At present, there are many ways for personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, trust, insurance, etc., with different risk levels, minimum purchase amounts, and yields.

If you have investment and financial needs, you can go to China Merchants Bank outlets to consult the wealth manager for relevant advice.

If you want to manage your salary, you can choose some wealth management and the like, and now there are special salary financial management. By setting your payroll card in advance, you can manage your money automatically every month, so you don't have to worry about forgetting to transfer money and not managing your money. You can choose some long-term and short-term financial management at the same time.

You can choose to buy some short-term financial management for some daily expenses, so that you can easily withdraw your expenses at any time. Money that is not urgently needed can buy some long-term investments with high returns.

First of all: you have to understand the necessity of financial management, if you don't manage money, then ignore you is not just a slogan, seize every day to manage money.

Method: 1: Necessary expenses for living: rent - I don't know which city you are in, calculated according to 500 for a shared house in Chengdu.

Transportation - 60 yuan for buses, 500 yuan for rent will not be in the city center, 2 yuan per day for buses (Chengdu buses are not expensive).

Hydropower, coal, ** broadband - 200 yuan.

Meals - gas bills are included, have time to cook a dinner by yourself, have a refrigerator the next day can also bring, according to dinner 10 yuan a day (burn yourself - 30 days), lunch 15 days outside to eat, 15 days to bring their own, 10 yuan a day, breakfast simple bun soy milk 3 yuan a day, a total of 540 yuan, financial management can not be lazy, want to manage the entertainment must be controlled, above I calculate more generous, control it, two or three months to invite friends to eat a meal and sing a song to get together, the key point is coming, Direct consumption is more expensive, have time to surf the Internet, find the right one, you can save a lot of Oh... The above consumption totals 1300 months, and the remaining 300 yuan is recommended to invest in ** fixed investment, go to the bank to ask, the staff will tell you in detail, I won't say much here. Let's do it today...

I saw that the rent was 250 yuan, and she was still a girl??? The 250 yuan of rent saved as a test of financial perseverance, 50 more per month to treat yourself, 200 in the bank, zero deposit and withdrawal, nothing to try not to move, if you move for 3 months, then you need more perseverance, rather than a problem of way.

Eat and drink, but don't advocate wasting and invest the rest of your money.