0 1 income trigonometry
After the monthly salary is paid, don't spend it in a hurry. Divide it into three parts.
① Living expenses 1/3: that is, necessary expenses such as rent, water and electricity, communication and daily necessities. And this part of the money will not be used passively anyway;
② Savings ratio 1/3: Unless there are special circumstances, try not to use it;
③ Activity funds account for 65,438+0/3: they can be used freely according to their current life goals, such as traveling, shopping, gathering or investing.
02 "dream" consumption list
List the future savings process and goals for your "dream".
① List the "consumption dream" to be realized, including the required amount, start time and planned completion time;
② Record every deposit on the right side of the list and transfer it to a special account;
(3) Count each saved fund until the required amount, and record the actual completion time and compare it with the planned completion time.
Get into the habit of keeping accounts
Bookkeeping allows you to see where your money is spent every month, analyze the necessary and unnecessary expenses, and make your consumption more "live within your means".
What you need to remember is:
① Monthly income;
② Monthly fixed expenditure: rent, water and electricity, etc.
③ Daily expenditure: it can be divided into three meals, travel, transportation, shopping and others;
4 Non-daily expenses: such as travel.
(Monthly statistics on the proportion and changes of total income and total expenditure of individual departments)
(1) Existing fixed assets such as real estate and automobiles; Cash. Current assets such as deposits and Alipay; Investment assets such as stocks and wealth management;
② Existing long-term liabilities such as mortgage and car loan; Short-term liabilities such as credit card arrears.
(Monthly statistics)
04 control consumption
(1) For durable goods, common tools, electrical appliances and other things that have been used for a long time, it is better to buy good-quality brands without adding functions, just basic models;
Pay attention to all kinds of e-commerce on holidays and promotion days, and FMCG can be more at once when doing activities;
(3) Estimate the money to be used every month, take out the cash for safekeeping at one time, and don't take it again when it's used up, so it's easy to run out of money unconsciously;
4 cook more by yourself and eat less outside;
⑤ Reduce or avoid group buying, and reduce the purchase of supermarket promotional products that are basically not used.
05 learning investment
If you still have money left every month, you can choose some low-risk investment and financial management projects, such as P2P financial management, and do more research before choosing.
First, measure the financial situation.
The amount of funds directly affects investors' choice of financial management methods.
① There is no capital restriction: every month, we must force savings to accumulate original funds, so as to lay a solid foundation for long-term financial management;
② Idle funds: according to the investment threshold of various wealth management products, select the appropriate products.
Note: Don't borrow money to invest as much as you have, especially in high-risk products such as stocks and futures.
Second, assess the risk tolerance.
Faced with all kinds of investment and wealth management products, rational novices are generally confused and can't accept any losses.
① Strong risk tolerance: choose stocks, funds and other products, but you must do your homework before entering the market;
② Weak risk tolerance: Choosing steady investment is a good choice for financial beginners.
Third, set aside emergency funds.
Emergency fund, that is, a fund specially used to deal with emergencies such as unemployment and disease.
① The emergency fund is 6- 12 times of the monthly expenditure, and the specific amount is determined according to the actual situation;
② Balance the advantages and disadvantages of liquidity and profitability. With less reserves, life may be affected; If you have a lot of reserves, you may face the impact of inflation on the depreciation of funds.
Fourth, remember to follow suit blindly.
(1) Don't look at other people's bookkeeping, keep an account yourself, watch other people's stocks, and stocks yourself.
Don't trust other people's judgment without considering yourself.
1, I don't care
Although some people have invested, they are "negligent in management", just like they don't care about money.
2, too lazy to pay attention to information
Paying attention to information is an essential link in investment. Investors should get used to and be diligent in reading and understanding information.
3, too lazy to learn financial management knowledge
If you don't study, you may lose some investment opportunities, and there is a possible solution when you do things.
I am too lazy to control my emotions.
Many investors are too emotional, crazy when the market is good, and not good at controlling their investment behavior when the market is bad.
5, too lazy to ask
For investment, if you don't know anything, asking them for advice is also a convenient way to acquire knowledge. If you are too lazy to ask, I'm afraid it's not good for your investment.
6. I am too lazy to calculate how much money I have earned or lost.
For investors, it is necessary to have a clear and accurate concept of financial management. Only by clearly knowing how much you have earned can you make the next investment plan; For those who lose money, they should know where their mistakes are, so as to correct them in time and consolidate their funds.