What s your financial strategy? What is a personal finance strategy?

Money management is actually a skill that everyone should learn, but everyone's financial management ability is completely different. Because different people have different amounts of capital, different risk appetites, and different risk tolerances. So how do I manage my money?

1. Set aside emergency funds for yourself.

It is inevitable to encounter some unexpected situations in life, such as illness and hospitalization, a friend's marriage, a friend's birthday, a girlfriend's appointment to travel, and so on. These are the money that needs to be used at any time, and generally this part of my money will be placed in some accounts such as Yue Bao, Wealth Management and so on, so as to maintain the liquidity of funds, and can be withdrawn at any time when you need to use money.

2. Establish protection for yourself and your family.

Financial management must be done risk management, many people in the financial management of excessive pursuit of high returns and ignore the safety of funds and risk management. Therefore, I will allocate some of the money for insurance protection, so that no matter what extreme risks occur, the family economic income will not fall into a state of death.

3. Establish a long-term investment account and make portfolio investments.

When making portfolio investment, you must know what your risk appetite is, and find investment products that suit you according to your risk appetite. I generally invest on a short-term, medium-term and long-term basis. Short-term investment will be carried out in safer products such as treasury bonds, currency ** investment, the cycle may be a few days.

In the medium term, it is mainly a few months or a year, and P2P is the main focus. Long-term investment pays more attention to the compounding effect of time, and individuals prefer index** investment. As long as the index is stretched for a long enough time and can continue to insist on investment, there will definitely be considerable returns.

Personal financial experience is not suitable for everyone, but it can be a very important reference.

As a group with low land income, how to manage your own finances? <>

I've read some books on financial management and bought some financial management courses, but as low-income people, do we really use financial knowledge? Not all works!

Our group, with a low income (monthly income of 6000,), we will always be "If you don't manage money, money doesn't care about you", "If you have a low income, can't you manage money?" 》、Financial management, to achieve financial freedom·· This kind of title is attracted, however, the truth is that there is still not much improvement after learning.

Do I manage my money, and my money will take care of me?

If my income is low, can financial management be effective?

Will I be able to achieve financial freedom? <>

The starting point of everything is that you have spare money to manage your finances.

Spare money! Spare money! Spare money!

Of course, not all financial knowledge is not available, not all knowledge is applicable to us in today's society, with low incomes.

That's how I manage my money. (Monthly salary: 6k).

The monthly salary at hand, excluding rent and living expenses, is about 4k per month. ）

1.Accounting. The purpose of bookkeeping here is not to save expenses, but to check your own consumption habits, as well as your own consumption pattern, you need to balance the expenditure, and the equilibrium ratio needs to be adjusted by yourself, such as how much I need to buy skin care products a month, how much I need a month for study, travel, etc., through the comparison of records and plans, adjust the consumption structure, and realize the equalization of investment by yourself;

2.Open source and reduce expenditure.

Open source is a new way to monetize resources. It's relatively simple, even if you pick up garbage, it's open source, so it's not that there is no way, it's just that you're willing to do it?

Throttling, cutting off some of your expenses that are not very necessary, for example, I got off the bus today and was a little thirsty, so I bought a bottle of water, and then walked a few minutes to go home, so I drank half of this bottle of water, and then I was discarded by myself. That's an unnecessary expense.

3.Investment. Needless to say, invest in yourself, as long as it is necessary, you must be willing to spend money to invest in yourself.

Investment income, there is a surplus of 2000 a month, so use it, invest in P2P, etc., so that 2000 in a year also has 200+ income, and flies are small and meat! <>

The best way to manage money is to invest in yourself!

With the development of society, financial management has become an important soft power for talents in today's world. As the saying goes, if you don't manage your money, your money won't care about you. In today's society, if you don't know how to manage your money, the wealth you've accumulated will soon be squandered.

So, how should we manage our money? In fact, what the older generation said, opening up sources and reducing expenditure is precisely the fundamental essence of financial management.

The so-called throttling means that we must be diligent and thrifty, and save as much as we can. The most valuable point for us is to shop around, and we can not waste a penny without wasting a penny. In addition, in the process of reducing expenditure, we must learn to keep accounts.

Although bookkeeping is small, it can make us subconsciously tighten our desire to consume. Before I kept my accounts, I always spent as I wanted. But since I kept the accounts, I began to consciously feel sorry for money and stop myself from spending impulsively.

In addition to throttling, the rest is open source. Many people think that open source means to invest their money in **and**. In fact, this thinking is extremely wrong.

The foundation of open source is that we must learn to compulsorily save. Although savings will not outperform inflation. However, it can accumulate financial capital and considerable cash flow for you.

When you do a good job of saving, you can choose a certain amount of capital for purchase and allocation according to your ability to resist risks.

Personal financial management refers to the formulation of financial goals and financial plans according to customers' own career planning, financial status and risk attributes, and the implementation of financial plans to achieve financial goals.

There is a law, the law of personal investment, called the 4321 rule 4--- fixed asset investment.

3. --- banks.

2--- risky investments, ** and spot, etc.

1--- spare.

Financial management is a person's management of financial resources in order to achieve their life goals, including cash planning, investment planning, risk management and insurance planning.

When it comes to financial management, many people think that financial management is money to make money, such as buying a house, buying **, ** tickets, etc. In fact, these belong to the category of financial management, but financial management in the strict sense is actually called wealth management, that is, scientific and reasonable planning of current and future resources, do a good job in family financial planning, and make a scientific diagnosis of family finances when managing finances, and prevent and control risks.

Investment and wealth management refers to the management and distribution of the assets of individuals, families, enterprises and institutions by investors through reasonable arrangement of funds, the use of investment and financial tools such as savings, bank wealth management products, bonds, commodity spot, foreign exchange, real estate, insurance, P2P, culture and artworks, so as to achieve the purpose of maintaining and increasing the value of assets.

Investment and wealth management, investment and wealth management refers to the rational arrangement of funds, the use of such as savings, bank wealth management products, bonds, commodity spot, foreign exchange, real estate, insurance, P2P, culture and art and other investment and financial tools to manage and distribute the assets of individuals, families, enterprises and institutions, so as to achieve the purpose of maintaining and increasing value.

Wealth management is a Chinese term that refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

Investment and wealth management refers to the rational arrangement of funds, the use of investment and wealth management tools such as savings, bank wealth management products and other investment and wealth management tools to manage and distribute the assets of individuals, families, enterprises and institutions, to achieve the purpose of maintaining and increasing value, so as to accelerate the growth of assets.

Investment and wealth management refers to the management and distribution of the assets of individuals, families, enterprises and institutions by investors through reasonable arrangement of funds, the use of investment and financial tools such as savings, bank wealth management products, bonds, commodity spot, foreign exchange, real estate, insurance, P2P, culture and artworks, so as to achieve the purpose of maintaining and increasing the value of assets.

Investment and wealth management, investment and wealth management refers to the rational arrangement of funds, the use of such as savings, bank wealth management products, bonds, commodity spot, foreign exchange, real estate, insurance, P2P, culture and art and other investment and financial tools to manage and distribute the assets of individuals, families, enterprises and institutions, so as to achieve the purpose of maintaining and increasing value.

There are two main aspects of financial management, savings and venture capital.

1. Saving. Including demand deposits, time deposits, seven-day deposits, purchase of treasury bonds, etc. Its bonds have the highest yields, and the longer it goes, the more profitable it is. You can consider buying a portion of treasury bonds and fixed deposits as a long-term investment and basic livelihood guarantee.

2. Venture capital. Including, physical investment and financial wealth management product investment.

Physical investment: real estate, art, stamps, antiques, etc., this aspect not only requires a good investment vision, but also has a senior appreciation and discernment ability, if there is no such background is recommended not to invest.

Financial wealth management products: **, **, foreign exchange, **, **fixed investment, dividend insurance, spot. **The risk is high, coupled with the recent downturn, the economic development is a bit inflationary, it is recommended to find a strong **company, less or no investment.

**Regular investment is lower than **risk, it is a growth investment, you can invest regularly, and the income is considerable, but due to the **consolidation decision**** good or bad, it is recommended to invest in an appropriate amount. Dividend insurance, which is a stable type, has less risk, is generally an annual dividend, with average income and a long cycle time, so if you are not in a hurry to use the money, you can invest some in moderation.

Short-term investments are mainly foreign exchange, **, spot. Foreign exchange and ** high risk and high income, the leverage ratio is large, some even exceed 1:500, short-term returns are significant, the disadvantage is that the risk is not easy to control, small funds are easy to blow up, it is recommended to invest as little as possible or not to invest.

Spot can be divided into spot and spot of agricultural and sideline products and energy. Spot, what can be done in China are the London Exchange** company, 24 hours a day trading, due to the high price of gold, the investment threshold is also very high, affected by the international gold price and the US dollar exchange rate, etc., at the same time, we should pay attention to us as investors in the **spot is to buy and sell contracts to earn the difference, not really to buy**, so it is also risky, not hedging, it is recommended to buy some or not according to their own affordability. Agricultural and sideline products spot, the investment threshold is low, the risk is small and easy to control, the 20% margin system, mainly for the domestic commodity market, generally not affected by international news, suitable for the first time to try the short-term investment of investors, it is recommended to invest a part more.

Any investment product does not have absolute value preservation, theoretically it is risky, and it is unrealistic to only talk about the return and not the risk of the investment company, so reduce the risk as much as possible and extend the return time in order to make steady profits, which is the correct investment and financial management.

I am a **spot investment, you can contact me if you need help and communication.

The income of buying wealth management products online is higher than that of banks.

There are many ways to manage your finances, and you need to make choices based on your own circumstances.

The main thing is to consider the protection of wealth, that is, the management and control of risks! This element must be taken into account, otherwise your actions are not financial management!

First of all, make more money! How much money is good to do!