With a monthly salary of 5 to 6,000, how to manage my money?

Hehe. Don't worry.

1. Financial management must first be bookkeed, and through bookkeeping, analyze whether your expenses are reasonable. If you don't keep accounts, no matter how high your income is, you don't know if the money is spent, whether it is worth it, and whether it is unreasonable. Find bookkeeping software on the Internet to save your own bookkeeping time.

I believe that the landlord will be shocked when he sees his expenditure statistics for the first time.

2. Know how much you spend every month, set an expenditure budget for yourself, and after paying your salary every month, transfer the surplus part of the budget to the passbook and don't take it out again. If you have online banking, put your passbook in your family's hands, or use online banking to make a three-month budget surplus every month. Accumulate for half a year, and at the same time, use this half year to browse through financial knowledge, and start to take care of this savings after half a year.

3. You can consider making an index-type ** fixed investment of 500 yuan. Invest with the corresponding expertise, and when you first get involved, don't take too much risk and don't invest too much at once. While learning, you are engaged.

4. The landlord should have a credit card in his hand. It's time to re-understand the role of credit cards, and don't use money that isn't your own when swiping cards.

5. Eat more at home and accompany your parents; Save money by eating out less. Empirical analysis shows that the proportion of expenses spent on eating out is the highest.

10% of monthly deposit income

Benefit for a lifetime!

1. 40% of the funds will be used for regular investment (high risk, high return, medium liquidity). Specifically, it is OK to invest regularly, and it is not suitable for small and sullen investors, but the risk is relatively small, so how to invest regularly? You can use the mobile phone app to go down every day**net or several meters**treasure, etc., and then register on it, there is a fixed investment function next to the purchase interface, online banking can pay, **type investors, I recommend choosing 50%**type** and 50% index type**, index** can choose CSI 300 or SSE 100, etc., of course, you can also configure it yourself.

2. 20% for currency ** (low risk, low yield and high liquidity), the circulation rate of goods and bends currency ** is very high and similar to bank demand deposits, but the yield is much higher than that of demand deposits, generally at 4-5 points, currency ** currently has many varieties in the market, including Ali Yu Bao, Tencent Wealth Management, daily ** current treasure and other online purchase of currency ** and so on.

3. 15% will be used for large platforms such as Zhaocaibao (medium and low risk medium and high liquidity), at present, Zhaocaibao personal loan and micro enterprise loan and other products have an agreed rate of return at about one point, and the principal and interest protection is still good, if the pursuit of higher yields can consider Zhaocaibao's insurance products, investment-linked insurance is not a fixed rate of return, but the expected annualized rate is about 7 points, and the risk is also very small, but the above financial products to achieve the rate of return I said should be at least in the closed period of more than one year, and can be realized in advance, but the gains suffered.

4. Use 25% for P2P or bill wealth management (high risk, high yield and low liquidity), choose a good P2P platform yield can be stable at more than 10 points, there are many P2P platforms available on the Internet, choose those large P2P platforms, the risk is usually smaller, choose P2P is best to choose principal protection, or principal and interest protection products, more stable, but the yield is relatively low.

Rent plus various utility bills, management fees.

This part of the expenses actually accounts for a large part of the salary. So after getting my salary every month, I paid the rent, and there was almost nothing left.

2.Eat, drink and be merry.

The living part is solved, and then it's the normal daily expenses. Three meals a day, mainly depends on personal consumption, ordinary consumption, and a meal costs at least a dozen yuan. Simply calculate 40 yuan a day, and it will cost 1300 a month.

But we occasionally have to go out on weekends, have dinner with friends, etc., and that kind of meal must be more than a dozen yuan, so it is also a big consumption to eat, drink and have fun.

3.Skincare and cosmetics.

As we age, skincare and cosmetics become more and more used and even more expensive. This is not to say that the more expensive the better, everyone's skin type is different, and the most important thing is to find the right one. This part of the cost can really account for a relatively large proportion.

Yui Omori uses skin care products and cosmetics every day, so the bottle will basically be empty in a month. I have to buy it once a month.

In addition, I will also buy clothes, shoes, and other daily necessities, and various expenses. So the money is spent little by little. It's just that it may be because of these things for daily consumption, so the rolling training doesn't pay much attention.

So the habit of saving money has been formed, so how do you save money in normal times?

The first point and the simplest way is to pay wages every month, the first thing is to deposit one-third or more of the money to 50% according to personal ability and habits, or to buy a more stable fixed investment**. In this way, you will control your desire to spend more.

The second point is the distribution of savings funds, which is a regular monthly savings. It is also possible to make an allocation, which can be to apply for a savings card. Put a part of the money in it and die.

Choose a few fixed **, brother Lu is more stable, and put the rest of the savings into it. In this way, you can also lay eggs through **.

The third point is that the fixed deposit of the usual income, in addition to the income of the salary, there will also be additional income, so one-third of the additional income will not hesitate to put it into the savings fund.

Fourth, regularly checking your savings bills can help you develop a good habit of saving, that is, you can constantly enhance your sense of achievement, and you can regularly check how much money you have saved now. When you know that your money is increasing, you will unconsciously spend less in life, and you will continue to think about working harder and saving more money.

Fifth, learn to delay consumption.

People often find that they don't like what they buy on a whim. For example, if you suddenly see a beautiful and expensive dress on the Internet today, you buy it immediately, but often when the goods are delivered, you will feel that the skirt is not sorry for it at all. This is known as impulse spending.

The first one: for living expenses. Every month, you should allocate yourself a reasonable living expenses, not too much, not too economically, this needs to be calculated by yourself, and the expenses are controlled.

The second part: allocate a certain amount of money for socializing. Make friends with a certain amount of money, and your circle of friends will also be rewarded accordingly for your efforts, which means that these are valuable consumption.

The third part: to give thanks. Give your parents and lovers a gift every month, it can not be much, but you can have this expression, after all, you have today, you can't do without the support and dedication of the people around you, these expenses are very deserved.

Fourth: Spend part of the money for studying. You can choose to buy a few books every month to read, or go to the library to borrow them, so as to improve yourself from the perspective of knowledge.

Fifth: Spend a portion of your money to invest. Not only to make money, but also to cultivate their sense of wealth, this scattered quarrel makes their experience richer.

Sixth: Save some money at regular intervals every month. Make it a good habit to save money, which can not only help you when you need it, as a backup fund, but also when your family needs it.