How to save your wife and earn 5k a month, how to do it by financial management?

There are many ways of personal investment and wealth management in China Merchants Bank, such as: wealth management products, fixed periods, treasury bonds, **, etc., if you use our bank card to purchase, it is recommended that you can go to our bank outlets to consult the relevant advice of the wealth manager.

Put Yue Bao, and when you save more, you can make a financial product according to the situation.

Small gold wealth management, more than 7% of the income. Minimum deposit of 100 yuan. You can withdraw your money at any time when you use it. Arrive in minutes.

You can save 4,000, you can save 400 in the bank, you can save 400 to help people, another 400 to invest in health, and the other 2,800 can improve the quality of life.

You can make a little small investment appropriately, such as the ** after the opening of the Shenzhen-Hong Kong Stock Connect, and the current clean energy and natural gas, but no matter what you do, you need a professional institution, and it is not so simple for a person to make money.

At present, there are many ways for personal investment and financial management: fixed, treasury bonds, **, insurance, etc., with different risk levels, minimum purchase amounts and yields. If you have investment and financial needs, you can go to China Merchants Bank outlets to consult the wealth manager for relevant advice.

It is recommended that you save 1,000 and your wife save 500. Don't use this money unless it's something very important. You can save Yu Bao, relative to the high interest rate, and then consider investing in other directions after a certain period of savings.

First of all, we must control our expenses, first establish an account book, record the expenses of each month in detail, and then budget and strictly control the expenses of the next month, so that we can have money left, and then consider investment and financial management.

First of all, the income and expenditure are classified and listed, with a total of 9,000 months, monthly necessary expenses (living expenses and car mortgage expenses) a, current reserves b (used to visit relatives and friends and friends gatherings), and the balance is used for regular investment (choose low-risk value preservation and appreciation) or for bank deposits and withdrawals.

What you said was the same as I thought, I didn't save a penny a month, 26,000 to 30,000 yuan.

If you don't buy a house or a car.

1. Determine the monthly consumption indicators, such as eating, shopping, and daily necessities.

2. In the case of not having any savings, the money will be put in currency first, and the approximate income of 10,000 yuan a day is 1-2 yuan, which is better than the current period.

3. After having a certain amount of savings, you can try to buy some medium and long-term financial products, with a return of about 5-7%, such as bank wealth management. You can buy it for as little as 50,000 yuan.

4. If you have a study on ** , you can configure a little ** a little. If you don't have any research, you don't need to.

In fact, financial management is very simple, many people think that earning more than one or two yuan a day is not a lot of money, but financial management is to make money through the slightest bit around them.

Spend one's and another take it to invest.

What tier city are you in? If it's Beijing, that's not much.

Collecting investment banknotes, without too much professional knowledge, beginners only need to keep in mind the following points, when error-free 1, choose rare varieties, 2, good quality, 3, serial number is the best, 4, prevent counterfeit-currency, 5, pay attention to special themes.

It is possible to invest in the old version of RMB.

For example, the third set of renminbi appreciates very quickly, and the antique market and cultural market can be bought. **The following three editions of the banknote market are up-to-date**.

Nominal par value market**.

2 Roman 165 Yuan Bailian 3 Roman Yuan 230 Yuan Bailian 2 Roman Wu Yuan 235 Yuan Bailian 3 Roman Wu Yuan 330 Bailian Five-Star Watermark 2 Yuan 1550 Bailian Ancient Coin Watermark 2 Yuan 1800 Leaflet 2 Roman One Yuan 40

3 Roman One Dollar 65

Ancient coin watermark one dollar 600

Lithography Wu Jiao 30

Toppan watermark Woo Kok 65

Lithography Watermark Woo Angle 530

2 Roman two corners.

3 Roman two horns.

Toppan II 150

Blue 2 Luo Yijiao.

Blue 3 Luo One Corner.

Red 2 Luo Yijiao.

Red 3 Luo Yijiao.

Red 2 convex corner.

One corner of the red trivex.

Back Green One Corner 2080

Back green watermark one corner 22000

Jujube Red One Corner 4100

Small full set 2100

Three editions of the large full set 42500

There is also a fourth set of RMB 80 years 2 yuan 90 years 2 yuan, these two varieties have great potential 802 single or scattered about 20 yuan 902 in about 10 yuan within a year Absolutely doubled, personal opinion, I hope it will help you.

Protect first, invest later.

Main protection content: critical illness insurance--- less investment, high sum insured, good interest rate on return at maturity, good accidental injury, medical reimbursement is indispensable, save your own money, others pay for medical treatment--- and your own wealth will not be lost.

Two adults in the family are indispensable.

Investment depends on ability, channels, management, risks, etc., and needs to be considered more Ping An account manager will provide you with specific analysis and guidance for free - click me to make an appointment.

Take care of your family's personal protection first, and then think about financial management. It's nothing more than banking, insurance and**, you can buy**, which has a high return, but also a high risk. You can also invest in wealth management insurance, the principal is safe, the income is also okay, and the compound interest is calculated.

I'll also share my own opinion......

1. Of course, the working class can also manage their finances, and reasonably adjust their wealth to achieve the maximum return, which is the purpose of financial management, and everyone can do ......

2. In view of what you said about your own situation, I do not recommend you to buy **, insurance, **, because these risks are large, and the use of opportunities is not flexible enough......

3. I still suggest that you choose a reasonable time deposit, three months, six months, etc., and deposit 1-2,000 yuan per month......

Because in your current situation, there will be many places where you should use money, and there is still uncertainty, so it is better to pursue ...... security

If you are not more than 35 years old, you can try to buy some ** (provided you have some knowledge of **) or buy some hard currency (**class, real estate).

If you are over 35 years old, you can buy some treasury bonds and a small amount of ** hard currency.

Scripture is for reference

After deducting the basic room and board expenses, if the monthly salaryman still has spare money, he can try the following financial management methods to choose from:

1.Currency**.

Low starting point. Divide the money into several parts, usually only leave a few hundred to 1000 cash in your hands, and the rest of the money that you don't use for the time being can be invested in currencies such as Yue Bao**. Real-name authentication Alipay can be used to purchase Yue Bao.

2.Manage your money regularly.

According to your own situation, if you don't need to use a sum of money within 1 year, you can use it to buy some regular wealth management products, such as wealth management products issued by banks.

3.Invest in bonds.

It is also a good channel for regular financial management, and the state usually issues some treasury bonds every year, and you can go to the bank to purchase book-entry treasury bonds. The starting point of national debt is generally 1000. You can take a certain amount of risk, you can also buy some corporate bonds, this requires more professional knowledge to judge, such as last year's overdue bond default, corporate bonds are still risky.

4.Investment**.

If you have the risk to enter the market, you need to be cautious, don't be greedy in it, if you don't have enough knowledge to judge, it's better not to invest, even if you buy, at the beginning, according to your own situation, take a small amount of money to practice.

Financial. P2P financial management is one of the more popular financial management methods now, with high returns, flexible investment and fast returns, low investment threshold, like a win-win society 50 yuan can be invested.

6.Insurance. Insurance is a financial umbrella that allows families to hand over risks to insurance companies, even in the event of an accident, allowing families to maintain a basic quality of life.

Insurance investment may not be the most important investment activity in the family, but it is the most necessary. Jujube forest.

7.Save. Savings, or savings, is a popular investment behavior among ordinary households, and it is also the most commonly used investment method for people. Compared with other investment methods, savings are safe and reliable, convenient in form, flexible in form, and inheritable.

The landlord's income is too small, and it is not recommended to do it as a spot, otherwise there is no room for remedy once the loss is discussed. If the 80,000 yuan deposit of the landlord can not be used for a long time, it is recommended to buy bank investment products or buy five-year treasury bonds, and now the annual income of five-year treasury bonds is also more than 5%. It's a little little, but it's stable.

Low risk! The remaining 1,000 per month is deposited in the bank for emergency use. Don't listen to other people's spot trade, foreign exchange investment!

Personally, I am in foreign exchange, and I can tell you that your 80,000 yuan will be very dangerous to do venture capital!

That's 5 cents!

You can make a small investment or something, so that you can let the money help you make money, you don't have to be so tired, and you can see people clearly when investing.