How to manage money with a monthly income of 6,000 for two people, I can t do it, it s always moonli

Hello friends, we manage our finances according to the theory of 1:1:1 to manage our finances, the first 1 to solve their daily expenses of food, clothing, housing and transportation, the second 1 can make fixed deposits, and the third 1 can consider investment and financial management.

First of all, it is necessary to clarify the purpose of financial management. That is, how to achieve a goal and result of financial management.

Secondly, given the financial conditions, such as the financial cycle, available funds, expected return value, and so on.

Third, according to the current economic conditions, individuals have simply combined: deposit + insurance + low-risk return wealth management products.

Deposit is a prerequisite in any case, but also a necessary condition, without deposit, it basically does not have the basis for investment and financial management. Insurance is an appropriate investment, mainly focusing on insurance protection, and the benefits are secondary, and the main purpose is to prevent damage caused by possible events in the future.

No matter what investment is risky, what we need to do is to control the risk, reduce the risk, and obtain greater benefits.

To make an investment, you must start with a small amount of money and gradually make a profit.

If you are interested, you can communicate with me and provide you with professional technical guidance.

Make an account book and see if you shouldn't spend it but spend it because of a momentary desire to buy.

It's not that you don't know how to manage money, it's that you don't know how to manage money, you have to buy what you want, what you need, and then manage the rest of your money reasonably.

Hello friends, as far as I know, investment can be done in physical investment and capital markets. For personal finance, first of all, you need to set your financial goals, which should be quantified and time-bound, for example, if you have a 2-year deadline, what do you want to do? Buying a house?

Buying a car? Or is it just to earn money on the tour?

You can make some short-term investments.

Find a safe and reliable investment and financial management platform, and then invest money in it every month, so that you can save money and make money, look at SI letter.

Let's take a look at your financial goals first: time for 2 years, 100,000 yuan for the car and 100,000 yuan for the house. (The cost of baby products from pregnancy to regular hospital check-ups to childbirth, as well as the cost of baby products, not counting the cost of supplemental nutrition and confinement) is conservatively estimated at 20,000.

That is, the goal of 220,000 will be achieved within two years. I can tell you that if there is no change in two years, your goal will not be achieved, because your monthly income is 6,000, and your income is 144,000 + deposit 50,000 = 194,000 even if you have more than 190,000 now, you have done a financial management with an annualized rate of return of 10%, and it is 38,800 income + more than 190,000 of the principal = 232,800 for two yearsBut such conditions are impossible to achieve, first of all, it is impossible for you and your husband not to eat or drink, it is impossible not to consume (transportation expenses, daily necessities, communication expenses, water and electricity bills, property fees, etc.) within two years, and the monthly salary is not a one-time get, so it is difficult to achieve the goal, the closest way I can think of to your goal is that you take the house to make a mortgage, bank loan interest rate, equal principal and interest repayment, loan 400,000 for 5 years, monthly repayment So that you have 450,000 in your hand, do a monthly interest rate of 1% The monthly interest is paid on a monthly basis, that is, there is a monthly income of 4,500 in hand, and you are using a monthly salary of 6,000 to make up for it, which is enough to repay, and you still have more than 2,600 living expenses per month.

After 2 years, stop redeeming the wealth management, and go to the bank for early repayment with the redeemed 450,000 yuan, and you will get the yuan.

If you have such requirements, you can choose to invest conservatively.

The formula is as follows: 6000 * 24 + 50000 = 10,000.

195000-2000000 = 10,000.

It is still possible to choose an investment product with an annual return of 10%.

If your 50,000 yuan wants to get a return of 10,000 yuan within two years, the risk is relatively easy.

You can try our company's Forex automated trading system (EA). Based on the account history of our current clients, a minimum APY of 30% can be achieved. This is currently unattainable by all wealth management products on the market.

The advantages of EA are: stable income, no need to do it manually**, simple operation, time-saving and labor-saving.

It's so complicated, only deposit in the bank, the term is one year, two years, and don't think about other high-risk things, otherwise it will not be possible.

Can you do foreign exchange **, a year of capital guaranteed income, so that two years down is also a lot of income, can meet what you want.

One half of them do a small deposit for a period of 2 years, after the expiration of part of the difference in the house payment, the other part can be used to give birth to the baby, the other half, depending on their usual consumption, it is recommended that the two of them spend 1500 yuan, and the other 1500 yuan can be used as a **or**fixed investment, redeemed when the income is considerable. It is recommended that you find a way to withdraw your housing provident fund, and your own money should be taken care of in your own hands.

This depends on how you spend the 2,000, if you need 2,000 for food and accommodation every month, then it is useless for you to save.

The recommended answer is very right, if your money is spent on food and housing, then you can't be forced to save money, like I earn less than you, but I don't spend money on food and housing, so I saved a little salary. But you can withdraw 300 odd deposits every month, and you will have 3600 in a year

To open up sources and reduce expenditures, we must not only reduce expenditures, but also open sources. I haven't had a salary increase in three years, so it's time to think about the reason, whether it's time to work harder or change jobs.

My opinion is: the income itself is not high, enough for daily expenses is good, first, strive for planned expenditure, save some money; 2. Save money for value, for example, by converting it into dollars and saving it. Buy a house when you can.

How good it is to buy an insurance policy, have protection and be forced to save money! If it's in Zhengzhou, you can rice me.

It is recommended to make a regular investment** and make a mandatory deposit.