I am 21 years old and have an annual salary of 200,000 yuan, but I can t save money

This you need to manage your finances, it is recommended that you find a financial advisor to consult, according to the situation of i, very young, it should be a good time to invest, go to find some projects to invest, distract yourself, so that it may be much better.

You can use some of the funds to make financial investments and make money.

At present, the best financial investment is spot and foreign exchange margin, because their mechanism is good, a little bit of their own grasp can make money, spot and foreign exchange margin and ** is the same is traded on the computer, **foreign exchange investment high return, buy and sell at any time, 24-hour trading, two-way investment, buy up and buy down can make money, there is no main force in it, ** very good to doThe risk is self-controlled.

Although I don't make as much money as you, but I can't save money, I can't control myself at all, I'm distressed...

Do international spot investment, plus a good attitude of yours, use stop loss to avoid risks, doubling is not a big problem.

You should plan well You can't go on like this You can find someone to help you manage your money Hehe And you have to act immediately You have to be temperate It's not easy to make money Come on, you can do it It's better to act if you are excited.

You don't manage your money, money doesn't care about you.

Every month, about 30 percent of the money can be deposited in the bank and directly deposited in the death period.

Or leave the money to the family and parents for safekeeping.

No way! I envy me!! I'm also 89 years old, why is there such a big gap!! Draw a lesson from a bitter experience!

Saving money is about paying attention to the details of life! You drive and open a house! It's not easy to save!

The first time I made a sofa, I felt much more comfortable than a bench!

Go to the Great Northwest, then there is no place to spend the money.

Is this what you want? My name is Happy!

Although you can live on the interest on your deposit alone, you can get more relaxed income by choosing other financial management methods. Why not maximize your returns?

You can live on interest only on your deposits.

First of all, I envy you for having such a huge amount of money, so 2.1 million yuan can also survive on interest, let's take a look:

At present, the interest rate of a one-year fixed deposit in a commercial bank is 10,000 yuan, so the interest obtained by depositing 2.1 million yuan in a one-year fixed deposit in a bank is 10,000 yuan. Average to $ per month. In view of the fact that the living place is a small county town where consumption is not high, it is enough for one family to save a little money.

The interest rate on the bank's large-denomination certificate of deposit is about 40% higher than the deposit interest rate in the same period, and the interest rate on the one-year large-denomination certificate of deposit is 10,000 yuan if the money is deposited into the bank's large-denomination certificate of deposit. That's 600 yuan more per month than before.

Since the interest on bank deposits can guarantee a living, why not increase the income a little more?

1.Purchase. You can use 1 million yuan to buy 1-2 properties in the geographical preferred location of the county, then the rent obtained can protect the daily expenses of the family. The remaining 1.1 million yuan is used for investment and financial management, and the income obtained can improve the quality of life and accumulate funds.

2.Yue Bao. After the upgrade, Yue Bao has canceled the time-limited and quota rules.

If you want to save worry and effort to obtain income, you may wish to deposit 2.1 million yuan into Yue Bao. Then it is expected to obtain a profit of 10,000 yuan a year. 6,545 yuan per month, you can live very well in the county.

3.Currency**. Yu Bao in many currency ** products in the yield is not outstanding, then you can choose other higher yield rate in the market currency ** B products to subscribe, high yield and low fees, assuming the annual rate of return, then you can get 10,000 yuan per year, 7875 yuan per month The standard quality of life will be higher.

And it can also achieve the purpose of financial freedom.

Of course, you can also diversify your funds according to the proportion to obtain higher returns, which can not only improve your quality of life, but also completely achieve the purpose of financial freedom.

If you are in a first- or second-tier city, you should have no problem buying a house and renting it out, and you should have no problem relying on rent every month to meet your basic needs.

If you are in a third-tier city, you can buy a store house with a good location for 2.1 million, such a store has a rent of 10-200,000 yuan a year, you give yourself a salary of several thousand yuan per month, and the rest of the money can be used for some small risk financial management, so that your quality of life is okay, and you will have some savings.

Because you don't want to work, that's the most conservative approach.

Of course, there is an old saying that sits and eats the sky, and there is an old saying that the sky has unpredictable circumstances, so ah, it is better to rely on your own hard-working hands to work hard.

Hello: Financial management refers to setting reasonable financial goals and allocating funds reasonably to cope with future unexpected needs.

Q: Do some of your own business, preferably reach 100,000?

So, your financial goals are not reasonable.

From your current perspective, there is still room for growth in income.

Recommendation: You can start with a small business with relatively low capital requirements, which is helpful to accumulate experience.

Or: take out 1,000 yuan every month to make a small deposit and withdraw to achieve the purpose of accumulating initial funds.

If you have any questions, you can ask them here, and I will do my best to reply as soon as possible.

First write down your expenses for a month, and then sort it out, which things are not necessary to buy, which things are necessary, and then classify, you will find that there are very few necessities every month, the money is spent on unnecessary things, take out a part of the money to invest, don't put the bank, conservative words to buy some**, bold words to buy **, don't be afraid of falling, put it, there is a fall, there will be a rise, there will always be money, those who lose money are impatient.