My salary is 4500, and my girlfriend s salary is 2000, how to manage my money

Where are you, if you're in Beijing, Shanghai, it's probably just average.

If you are in a second-tier city, you can only save a little money.

If it's in a small city, then buy a house and ** okay hehe.

The ability is limited and I can only think of so much forgiveness.

It is recommended that 10% of the salary income be deposited in the bank, 10% will be used for regular investment, and those with a foundation can be invested. The rest is used as daily expenses, of course, if you can save more, you can appropriately increase the previous configuration.

Set aside a portion of the money as a reserve fund first, which is generally 3-6 months of total expenditure.

In addition, the monthly savings can be used as a fixed investment, which can be used as the accumulation of funds for marriage or the accumulation of funds for buying a house in the future.

It is recommended to buy insurance for about 10%.

Thirty to forty percent can be bought**, and the value is !!

It is advisable to do philanthropy.

If the monthly salaryman wants to get rid of the moonshine family, it is nothing more than to increase the value of his salary and do some financial management.

1. It is nothing more than a deposit bank, and the interest rates of major banks are similar, but there is no income if you want to pay for it. The term of the term is relatively long, generally three months, half a year, or one year.

2. The second way is to use wealth management through wealth management, which is a more diversified product. 1) You can choose ** financial management, which is as convenient as bank current and can be withdrawn at any time. However, the interest rate is slightly higher than that of the bank.

2) Fixed financial management, which is similar to the bank's fixed deposit, but the time is not so long, generally 1-3 months, and the income is still higher than that of the bank fixed deposit.

Salary wealth management refers to the regular deposit of wealth management connect every month, and the amount of deposit is set in advance, what wealth management products to buy, and there is time. It can be deposited automatically, so you don't have to worry about forgetting it.

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.

"Spelling treasure for nothing", the favorite of consumers nowadays, you are shy in your pocket every month, and your capital turnover is not effective? Never mind! Any credit card can be unblocked! On the second day of successful investment, the principal can be returned one by one, and the return cycle can be selected according to your own needs.

If you start your own business.

It's much better than that.

Deposit in the bank, or buy some bank wealth management products, you can go to the bank to ask.

**Let's do it, come and go quickly, and put less in it.

In addition to daily consumption, put the remaining money in Yue Bao, and when you save more, you can buy low-risk wealth management products with stable income from banks.

Alipay Steady happiness.