habits change the future

a person's habits can determine his future destiny, and to cultivate a good financial management habit, we must first study the importance of financial management, because generally only when we understand the importance of financial management will we have a strong desire to cultivate financial management habits. Secondly, the cultivation of financial habits needs to be arranged as a whole, step by step, from the shallow to the deep. You can start by paying attention to financial information every day and understanding the use of various financial tools, and then you can contact some stable financial products. At the beginning, you can choose to get fixed income every month, and after you have tasted the sweetness, you can continue to be influenced by successful investors around you. In the long run, you will certainly develop good financial habits. Finally, we should persevere until we succeed.

make a life financial planning-clear goals

life is like a long journey, and financial planning runs through, so wage earners need to make a life financial planning for themselves. Jiafeng Ruide financial planner said that it is not difficult to make financial planning, which is mainly divided into three steps: what-understand the financial status quo, including income and expenditure, assets and liabilities, investment, and analyze it; Where-set financial management goals, including short-term, medium-term and long-term goals, and determine the realization period and target amount of each financial management goal; How—— Make a financial planning plan, follow the principle of "starting with the end", make different financial plans according to the established financial goals, and learn to use some financial tools that match you to realize rapid wealth appreciation; Finally, we began to stick to the implementation plan until we succeeded. Of course, wage earners can also seek financial institutions to help them make financial plans, which is more time-saving and labor-saving, and more scientific and professional.

planning investment and financial management should be smart-get twice the result with half the effort

although banks are the most trusted financial management channel for the public, they will also face the risk of bankruptcy now. in addition, the central bank has cut interest rates five times this year, and the current deposit interest rate is extremely low, and they can't get a few cents a year. Secondly, the yield of bank wealth management products has also been pushed down, with an average annualized rate of return of only about 3%. Therefore, financial management should learn to use ingenuity, how to understand it? Just like buying a house, if you don't choose a one-time payment, you can pay the down payment. The extra money might as well be used for financial management. After a few years, you will earn millions. Not only will the mortgage be paid off at one time, but BMW Benz will earn it back, and there will be money left, which is the best of both worlds.

Find the right pair of shoes-find the right financial tools

Nowadays, there are various financial tools on the market, which makes it difficult for wage earners to choose, but it is very important to find the right financial tools and the right shoes. How to choose? Jiafeng Ruide financial planner said that wage earners should first understand their financial needs, just to pursue asset appreciation, or to save pensions, buy houses and cars, and then check their financial resources to see how much money they can invest, that is, to understand their risk tolerance; Then choose financial management tools and pursue stable and reliable financial management methods. You can choose products that get fixed income, such as stable profit selection funds or MOM. On the contrary, if you pursue super-high returns, you need to bear certain high risks, and you can choose to directly participate in stock market investment, as well as foreign exchange and futures.

plan your daily income and expenses-plan ahead

if you want to make your old age better, you need to plan your daily income and expenses and make some preparations in advance. First of all, to manage financial consumption in life, we should distinguish between "investment" behavior and "consumption" behavior. For example, buying a house belongs to "investment" and buying a car belongs to "consumption", so we don't spend a penny. Secondly, I believe it will be easy to become a rich man by saving 3% of my monthly salary and investing in wealth management, and spending the rest. In addition, in addition to basic social security, wage earners are advised to add some purely guaranteed commercial insurance as a supplement to ensure a high-quality life in their later years and plan ahead.