How to manage money happily in an economic crisis, and how to manage personal finances in an economi

1.Reduce debt.

Don't work for a bank in an era of high interest rates. Reducing debt means reducing cash outflows, which helps to stabilize the mindset and help to cope with various turmoil in the family and society, and avoid a significant reduction in the quality of life. Don't forget that borrowing in times of economic crisis can lead to negative equity.

2.Increase cash holdings.

Cash is king. Although there is a high possibility of currency depreciation in the event of an economic crisis, the pace of long-term appreciation of the RMB will not change, and increasing the amount of cash can help reduce the various risks brought about by investment and financial management in economic turmoil, help improve psychological expectations, and stabilize the quality of life.

3.Scale back consumption.

You should hold your wallet tightly in a hard time.

4.Monetize assets.

Take profit and stop loss at the right time. The first is to prevent the further deterioration of the economic situation and the sharp depreciation of assets and wealth (such as investment and speculative real estate), and the second is to lay the foundation for actively participating in more and better investment and financial opportunities when the economy declines to the bottom in the future and begins to pick up.

5.Be cautious about your investments.

The definition of risk is uncertainty. Investing blindly in times of economic turmoil can end up losing even your pants. In times of economic crisis, opportunities do exist, but reducing losses is always more important than trying to make money.

6.Transfer of Assets.

A gentleman does not stand under a dangerous wall. Assets should be shifted from high-risk, high-bubble assets such as real estate, corporate equity, and private equity to conservative and defensive asset transfers, such as medium and long-term antique collectibles investment, short-term treasury bonds, ***** investment, etc., but we should also be cautious and pay attention to the timing at the same time.

7.Don't speculate.

Impulsiveness is the devil. Against the backdrop of the economic crisis, every opportunity in the market and speculative markets can be a trap. Don't fantasize that you're one of the lucky ones who can make money.

8.Reduce job hopping.

Stability is more important than anything else. In the event of an economic crisis, a large number of unemployed people are inevitable, and in fact, no company has a hard time in the macro context. Rather than stepping into a new company that you are not familiar with, it is better to stick to your post and share the joys and sorrows with your existing boss, of course, the premise is that the existing company can survive the crisis, and if it is not a good job, then do not hesitate to leave as soon as possible.

9.Sit tight.

Be prepared for danger in times of peace and watch the overall situation. Wait patiently for the situation to improve, wait patiently for the good days to return, and patiently wait for the best investment opportunity to come. Mindset is the most important thing, take a long-term view. Those who do not seek a lifetime are not enough to seek a moment; Those who do not seek the overall situation are not enough to seek a domain.

To buy treasury bonds or principal-protected wealth management such as large certificates of deposit, you must endure the test of currency depreciation. Then wait patiently, wait for a place of chicken feathers, and when you go out of the house chicken feathers can be seen everywhere, you can have a plan to pick up chicken feathers, if you really want to start picking, don't care about the book, you have to look at the color and cherishment of chicken feathers from a distance, and then keep the liquidity and wait patiently.

The big market and the prospect industry are nothing more than the energy, communications, and financial industries.

The small market, which is more promising, is the industry that is needed by the public and has a high degree of consumer loyalty, such as catering, retail, and production.

Whether it's a job, or a business! You need to choose your interests, find your strengths, and discover your strengths.

1: Consider your interests, do what you love the most, and only make work fun. You can better develop in this industry.

2: Analyze the experience you have and do what you do best. The identity of an expert will make you handy in many things.

3: Here we emphasize the relationship channel, which depends on the accumulation of social life. One more channel equals one more opportunity. Fortune often depends on relationships. This is not without reason...

My opinion and my approach is:

1. Compound interest to make money. That is, this is the profit, the profit rolling. It is equivalent to putting money at usury, and when you get the profit, you will go to the capital.

2. Duplex to make money. A person with three heads and six arms, and he does not earn much, so many people work for you, many roads earn money for you, and many places make money for you.

3. Use others to earn money for you, liberate yourself, and have time to learn how to make money quickly.

4. Will use the power of capital.

5. Use the power of connections.

6. Be able to use the power of leverage: for example, borrowing the power of others and borrowing the power of capital ......Partner, co-entrepreneurial ......

7. Open source and reduce expenditure!

8. The parasitic method, that is, borrowing large enterprises, can also be a joint stock!

Analyze it, analyze it, and make a lot of money. What you are good at, naturally, is what you are easy to harvest. To start a business, you must first position yourself and the market.

Choose the road to riches according to your characteristics, the principle is the same, diligence, monograph! If it will be successful. That must include your hard work in the value of the ascension.

To grasp your social relationships, of course, is to use them. If there is not much relationship, it is generally an industry with relatively high consumer loyalty, which is not easily affected by the relationship and difficult to intervene. Including, catering, entertainment, production and other industries.

If you want to be an individual, then the campus shop, 2 yuan shop, and catering industry are the fastest industries with the fastest results of small investment today. And the size is more flexible. More money can be expanded.

If the capital is small, there is almost no investment in night markets and stalls. Of course, you can also choose to open a store online.

Brother, you are a question that everyone is thinking about, everyone wants to know. But you know what? A person who can make money, a smart person, a person who has suffered will not be asking this question anymore.

You may still be confused. I don't know how to make money. Actually.

The line is the champion. There are so many people in this world, and this China is so big. In fact, there is a lack of everything.

Money is not in a hurry, and the truth of success is always in front of you, that is: only if you suffer hardship, you will become a master!

It's my personal opinion, the most popular industry is the hard-working industry.

4321 financial management law, that is, asset allocation can be divided into %, if a certain asset ****, reduce the total amount of such assets, and distribute it evenly among the remaining assets, so that it will always maintain a proportion of 4321. Here's how to do it:

This is a scientific investment and financial management method to control the monthly income of the family, whether it is personal or family financial management.

40% investment to create wealth: such as investing in **, ** and I am now doing Yue Guiyin and other assets with a higher rate of return, you can also choose open regular fixed investment, through automatic deduction investment every month to save time and effort, to achieve the effect of forced savings.

30% of food, clothing, housing and transportation: basic monthly indispensable living expenses. Food, clothing, mobile phones, etc. Of course, if you have a car, you will have to pay a gas fee, and if you have a house mortgage, you will have to pay a mortgage fee.

20% Savings Reserve: Usually deposited as a demand deposit, which can be easily withdrawn when needed to improve the quality of life. For example, one day when you are in a good mood, you invite friends and relatives to have two drinks and have a meal; Receiving a "Pink Bomb" or birthday invitation; Even in case of family emergencies, this is when the reserve comes in handy.

10% insurance: Buying insurance is a long-term arrangement, which is responsible for and protects your future life, especially to prevent unexpected situations that may be encountered by the main creator of household income, so as not to cause serious damage to the family economy. It is appropriate to have the sum insured (i.e. the amount paid by the insurance company after the accident) generally not less than 10 times of the annual income.

According to this law, it can be seen that investment and wealth creation is the key, and it is also a financial management method to make wealth increase rapidly.

This question is too general, and it is important to manage money at all times.

1. Definitions:

Wealth management refers to the management of finances (property and debts) in order to achieve financial resultsValue preservation and appreciationfor the purpose. Wealth management is divided into:Corporate Finance, Institutional Finance, Personal Finance, and Family FinanceWait. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.

2. Financial management channels:

The main institutions that can provide financial services to customers in China are:Banks, ** companies, investment companies

Bank Finance. The wealth management products provided by China's commercial banks are divided into three categories: principal-protected fixed income products, principal-guaranteed floating income products and non-principal-protected floating income products.

Corporate Finance. **Wealth management generally includes**, **, commodities**, stock index**, foreign exchange**, etc., individual or institutional investors can choose different financial tools according to their different needs and investment preferences.

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.

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

3. The right way to manage money:

If you want to become a master of financial management, the first thing everyone needs to learn is to manage money rationally, if you can follow the following 6 rules for rational financial management, I believe you will get a greater return.

1. Adhere to the savings plan;

2. Start investing as early as possible;

3. Adhere to diversified investment;

4. Plan early. Plan early so you'll know how close you're to your goals.

5. Be consistent. Any investment plan will not be smooth sailing in the implementation process, ups and downs are inevitable, if you can't "hold your ground", it is easy to cause investment failure.

6. Be cautious and calm. Be cautious when choosing investment projects and calm when investments don't go well. Many perfect strategies are ruined by a hasty decision, and only by staying calm can you make an accurate judgment.

When you think that a project will make money, you have to talk about action, if you hesitate too much, the business opportunity is likely to be gone, don't be afraid of risks, you have to have confidence, if you are a future entrepreneur, then the project you invest in now will not lose, you are afraid of loss, then you just don't have the confidence to become a future entrepreneur, you must remember that risk and benefit coexist No entrepreneur dares to say that his initial investment is 100% profitable and 100% risk-free, the reason why they succeeded, That's because they have a unique vision, thinking, and confidence in themselves.

If you want to open a store and start a business, you can consider joining some famous brands, wholesale is better than joining to open a brand store, the jewelry industry can stand under the financial crisis is a more successful example, it is easy to get started, the quality of goods is at least guaranteed, and the product can be optimized, not easy to be backlogged. Now there are similar types of trinkets everywhere, so that the consumer group is limited, so it is easy to follow the same path as others, and what is needed now is personality. Taking the brand "Ah Ya Ya Girl Fashion Products" under the Hong Kong Jewelry Enterprise Group as an example, the famous host Li Xiang endorsed the joining conditions and ** are more reasonable than those of their peers.

After joining the waiter, the goods are not in the right version, there are no bargains seen in the exhibition hall, and there are companies that force you to send junk goods, so it is best to choose a high degree of credibility, and you have to go to their direct stores to inspect if you want to join.