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From your current situation, there should be no problem in achieving both of your goals in the next few years. First of all, you should make reasonable use of the existing 100,000 deposits, because you are relatively young and belong to a relatively strong risk tolerance, it is recommended that 10,000 yuan of the 100,000 yuan be used as emergency funds, and the rest will be divided into three parts, 30,000 fixed deposits, 30,000 **type** or index type**, and 30,000 bond type**. The second is that you can save about 4,000 yuan per month, and it is recommended to do 1-2 **type or index** regular investment.

The last is to re-check their daily expenses to see if they can still throttle a part, which is best to develop the habit of bookkeeping.

When buying a house, you can use the provident fund loan, and you can borrow as much as you can.

If you want to buy a house in 2 years, you must first prepare a down payment for the house. 3,500 yuan, if you buy a 100-square-meter house, you need 350,000 yuan, a down payment of 3 percent, plus other taxes and the like, you need to reserve about 130,000 yuan. Your 100,000 yuan deposit, of which 50,000 is not moving, 30,000 can be used to buy bonds with little risk, and 20,000 can be used to ** or financial products with relatively large investment returns; You have a balance of 4,000 yuan per month, and 200 yuan is used to save money to buy a house; Another $2,000 was used as an investment.

Nowadays, there are many financial products, and I myself have a combination of investment products.

For personal finance, many people think that it is to invest and manage money to make money, and some people even think that only how many times their funds can be considered real financial management if they multiply their funds in a period of time. Here's a list of how to finance your finances.

Personal Finance Method 1: Bookkeeping

Many people may feel that the word bookkeeping is unnecessary, and they feel that the daily expenses are relatively trivial and troublesome. But for a bookkeeper, it's hard to know what your money is spent on every month. If you don't budget and plan for each month, you won't be able to save money.

The increasing number of moonlight clans is caused by the lack of a monthly capital expenditure plan. The solution is: use an app to start bookkeeping, understand what your money is spent on every month, understand how much you need to spend each month, and the money you can save every month will be clear at a glance.

Personal Finance Method 2: Make Reasonable Use of Credit Cards

Make good use of your credit card – it's about making the most of your monthly billing period. If you use your credit card properly, you will have a bill for more than 50 days, but it is important to remember that if you do not have a lot of financial means, you must not spend it in advance, because it will have to be repaid. This more than 50-day billing period is equivalent to an interest-free borrowing time for you, and you can invest it in xx treasure or a short-term P2P platform to make a profit, but don't choose a high-risk financial management method.

Personal Finance Method 3: Fixed Deposits

This is very important, because after bookkeeping, you have a good idea of your monthly balance and available funds, and making a certain fixed deposit every month is a process of gathering small to more. You save a little bit every month, and when you have a use, it can do you a big favor, and the money you usually save every month will not affect your life.

Personal Finance Method 4: Start your investment and financial journey.

Investment and financial management is an important way to obtain income other than salary, after all, you can not only throttle, but also learn to open source, the following will introduce the investment and financial management tutorial.

1. XX treasures.

Now the most invested is mainly Yu Yu Bao, when Yu Yu Bao just came out, the interest rate was as high as 7%, and the security is not to say, it can be withdrawn at any time, the liquidity of funds is also very strong, the threshold is also very low, and you don't need a lot of money to invest.

2. ** class.

**Relative to**, it is a very stable income, especially some financial management launched by banks**, which is relatively safe and stable. You can choose to invest in something that is famous, more reliable, and has a decent income.

3. P2P investment and wealth management platform.

1. The necessity of personal investment and financial management.

1. Financial management realizes the wealth allocation and the wealth is in a good way.

2. Financial management is a part of our lives. Whether you realize it or not, everyone is the chairman of their own life company, for us, it is not difficult to build self-confidence and sense of responsibility, how to manage life is a long process that requires hard thinking, bold practice, and unremitting courage to face failures and setbacks.

3. Wealth management accumulates capital and lays the foundation for the growth of wealth. Reasonable financial management can enable us to accumulate a sum of money in our hands, if we encounter a good investment opportunity, we will not lose it because of poverty, so as to achieve the purpose of increasing value and getting rich.

2. Principles and strategies of personal investment and financial management.

Personal finance is not the preserve of the wealthy, and there are no written standards and principles for financial management, and the important strategy is for everyone to fully understand their own situation, including their own age, asset status, risk tolerance, etc. From the perspective of each person's asset situation, Daqi can be divided into "three stages" of different financial management ideas.

1) When you are not rich, it is best to force the accumulation of savings first. Although it is said that "one book can be profitable". But you must have the code of "Ben".

2) When your basic life such as food, clothing, housing and transportation is guaranteed, and you still have a small balance, you can choose a stable investment to expand your accumulation.

3) When you are relatively wealthy, you can choose some high-risk and high-return investment projects under the premise of insurance. From the perspective of different age stages of each person, the financial management strategy should also be different. Investing based on age is based on the principle of risk diversification, but generally follows a empirical formula of 100 minus the current age.

At the age of 20-30, you are in the prime of life, your risk tolerance is the strongest, and you can adopt an active growth investment model. According to the formula of 100 minus the current age, you can invest 70%-80% of your money in various channels, and in this part of the investment can be recombined.

At the age of 30-50, the number of family members gradually increases, the degree of risk is low, and the investment is relatively conservative, but the goal is still to make the principal grow rapidly. During this period, at least 50%-60% of the funds should be invested in risky investment products, and the remaining 40% should be invested in fixed-income investment products.

At the age of 50-60, the child has reached adulthood, which is the peak period for making money, but you need to control the risk, you can invest up to 40% of your capital in venture capital, and 60% of your capital in investment varieties with fixed income. When they reach the age of 65, most investors will store most of their funds in relatively safe fixed income investment varieties during this period, and only invest a small amount of funds in risky varieties to resist inflation and maintain the purchasing power of funds.