Monthly payday is the most anticipated day for office workers. They may need to buy household items, or buy a suit that they have long liked, or make an appointment with friends to "help" ... various living expenses are waiting for a monthly salary. However, many wage earners who don't know how to manage their finances spend money just like holidays. By the end of the month, they are on a diet, hoping that the payday will come soon next month. Especially young people who have just entered the social economy and just become independent are often the most irresistible to the temptation of commodity consumption. There are also many people who use money (spending power) to prove their ability, or the shortcomings of psychological compensation in some aspects, so that they can not fully grasp the control of money.
Faced with this situation, for many middle-and low-income wage earners, it is the correct financial management method to develop the habit of "saving first and then spending". Practice self-discipline When you get your salary every month, you should first deposit a sum of savings in the bank (such as lump-sum deposit, time deposit) or buy some small government bonds and funds, so as to "strike first, then save money, and then allocate and use the expenses that must be spent in daily life in a planned way." On the one hand, we can control the monthly budget to prevent overspending, on the other hand, we can gradually develop the habit of thrift and change our consumption concepts and even values.
2. Don't underestimate "small money" in financial management.
Many working-class people disdain a penny, a dime or even a piece of such "small money", and always look at 50, 100 bills. As we all know, if the vast majority of working-class people want to accumulate funds, they must start with these "small money" savings. Especially for the "new poor" whose average salary is only enough to make ends meet, regardless of their income, financial management should start with "the first income and salary". Even if the first income or salary is little after deducting personal fixed expenses and "turning it over to the state treasury", don't underestimate your ability to collect meager funds. Investment100000 yuan.
For example, for a working family with a monthly income of 3,000 yuan, the consumption expenditure can be roughly divided into food, clothing, housing and transportation, accounting for about 2/5 of the total income, namely 1.200 yuan; Raising children (including tuition) accounts for about 1/6, that is, 500 yuan; Filial piety for the elderly accounts for about110, that is, 300 yuan; Savings insurance accounts for about 1/5, that is, 600 yuan; The rest of the 400 yuan can be used as a mobile part of the personnel relations expenses, and can also be used for other purposes if necessary.
The power of small change can not be ignored, just like the power of "dripping water into a river, gathering sand into a tower". Wage earners should know how to make full use of it, just like spare time. Over time, the effect will naturally be amazing. Only in this way can we lay a primary foundation for accumulating wealth.
3. Financial management ability comes from the accumulation of learning and practical experience.
In fact, no ability is born, and patient study and practical experience are the key points. The same is true of financial management ability. Perhaps those who have the concept of numbers or study business, economics and other disciplines themselves are more able to draw inferences and have a "financial awareness." Wage earners should also learn from friends and colleagues who know how to manage their money, or learn from books and the Internet when they are short of economic ability, and understand according to their own practice.
Modern economy has brought "the era of financial management", and all kinds of financial management reference books are complicated. Many courses on financial management have also stepped out of the professional field and gone deep into the life and study of office workers, housewives and students. With the change of economic environment, the traditional single thrifty financial management method can no longer meet the needs of ordinary people, and the scope of financial management tools has expanded rapidly. In line with life planning, the function of financial management is not limited to ensuring a safe and worry-free life, but to pursue higher material and spiritual satisfaction.
4, financial management should also manage time, not only to "open source", but also to "cut expenditure"
Sometimes, for wage earners, reasonable time management, like financial management, should not only "open source" but also "cut expenditure". This is to save time and improve work efficiency, which is another meaning of financial management. Therefore, it is no exaggeration to say that "time is wealth" on many occasions.
The first step for wage earners to "earn" time is to comprehensively evaluate the use of time and find out the so-called wasted fragmentary time. The second step is to integrate and use it in a planned way. First, list a time "income and expenditure table", record the daily actions in hours, find out the reasons for inefficiency immediately, and improve thoroughly. Then, cut the daily time into the unit's income and expenditure statement, make a good plan and realize the daily performance target. Find your own time. When you get into the habit of "saving time", you will naturally achieve the highest level of "balance of payments" for 24 hours a day, and you can also engage in higher-level spiritual activities in your spare time.
5. Make a prudent and appropriate "investment portfolio"
With the fluctuation of RMB and the increase of exchange rate, the possibility of RMB appreciation has also increased. Some conservative people put all their money in the bank to earn interest, thinking it is safest and risk-free. Some people also buy gold and jewels and keep them in a safe in case something goes wrong. No matter which investment method they choose, the above-mentioned people have committed financial taboos: they are eager for success, "put all their eggs in one basket" and lack the concept of diversifying risks.
For wage earners, "saving money" is of course important, but "open source" is more crucial. Therefore, in view of the current situation, it is necessary to make necessary investments. The most common are bank deposits, stocks, real estate, futures, bonds, gold, mutual funds, foreign currency deposits, overseas real estate, foreign securities and so on. However, for people who are good at financial management, the most sensible thing is to use "portfolio" to spread the funds in various investment projects, rather than combining them in the same investment "basket".
(1) At present, RMB wealth management products launched by banks are directly linked to savings accounts, that is, once the balance of savings accounts reaches the starting point of subscription, the subscription can be automatically transferred, and the principal and dividends will be automatically transferred back to savings accounts at the end of the month, thus realizing monthly circulating investment, which is more conducive to the financial management of wage earners who have no time and energy to manage their wallets.
(2) Wage-earning families can increase their family's securities assets by adding more robust financial management tools such as 2010-12-24 20:16 investment in stock funds. In this way, they can share the positive results of local currency appreciation in the stock market and avoid many unsystematic risks.
(3) Buy some foreign exchange wealth management products launched by banks. At present, the annual interest rate of US dollar wealth management products launched by banks is generally around 4.5%, which is higher than the interest rate of RMB one-year time deposit of 2.25%.
(4) At present, there are also "funds" issued by some enterprises or financial institutions, and wage earners can also make appropriate investments or make index investments.
When low-and middle-income wage earners invest, what they need is the comprehensive application of this "investment portfolio". For areas that you are not very familiar with, you must consult more professionals when investing, or do it after learning and understanding, so that you can feel the endless fun contained in the "profound knowledge" of financial management in your daily work and life.
Of course, financial management is not an arithmetic problem, which can be solved by a ready-made formula. In fact, for wage earners, the specific situation of each person and family is varied, and various consumer needs are ever-changing. We can't make rigid calculations according to an "economic formula" across the board. We should pay attention to flexible learning in teaching, as well as in financial management.
In fact, for wage earners, as long as they carefully calculate and plan according to their own income and expenditure, it is not difficult to find the "economic formula" that is most suitable for their financial management. Try to do it, and you will find that you can also arrange your life well through financial management!