The first step is to control expenses. Take Xiao Tang’s situation as an example:

She works in a provincial capital city and spends 900 yuan on rent, water and electricity every month. Meals cost 600 yuan, and communication and travel expenses cost 200 yuan.

Excluding these necessary expenses, there is still 1,300 yuan left every month.

Other expenses including shopping and going out to play with friends are about 700 yuan, so you can save about 600 yuan every month.

Secondly, use Huabei Jingdong Baitiao and credit cards reasonably, and plan the repayment date reasonably, which is equivalent to one month of interest-free borrowing, and it can also increase your credit.

Then invest the saved money in funds, with a fixed investment of 200 yuan per month in currency funds and a fixed investment of 100 yuan in stock funds, because currency funds are low-risk and low-yield, and basically no loss of capital will be made. Although the risk is high, the return is also high.

But when choosing a fund, you should pay attention to the past performance of the fund, the size of the fund and the fund manager, and other aspects of analysis to choose the one that suits you.

Summary: For people with a monthly salary of 3,000, increasing revenue and reducing expenditure is the most important, and financial management can only be used as an auxiliary means to make money.

The word "financial management" first appeared in the early 1990s, according to statistics from Zhongyin.com Data Center. With the expansion of the domestic stock and bond market, the increasingly rich commercial banking and retail businesses, and the overall income of citizens rising year by year, the concept of "financial management" has gradually become popular. Personal financial management varieties can be roughly divided into personal asset varieties and personal liability varieties. Funds, stocks, bonds, deposits, life insurance, gold, online loans, etc. are personal asset varieties; while personal housing mortgage loans and personal consumer credit are It is a type of personal debt.

What is financial management

When most people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is the management of a lifetime's wealth, that is, the cash flow and risk management of an individual's lifetime. Contains the following meanings:

1. Financial management is a lifetime of financial management, not just solving urgent money problems.

2. Financial management is cash flow management. Everyone needs money (cash outflow) as soon as they are born, and they also need to make money to generate cash inflow. Therefore, no matter whether you have money or not, everyone needs to manage money.

3. Financial management also covers risk management. Because more future flows are uncertain, including personal risks, property risks and market risks, they will all affect cash inflows (risk of income interruption) or cash outflows (risk of increasing expenses).

Where to manage money

At present, the institutions in China that can provide customers with financial services mainly include banks, securities companies, investment companies, economic management companies, etc.

1. Bank financial management

Currently, the financial products provided by commercial banks in my country are divided into three categories: capital-guaranteed fixed-income products, capital-guaranteed floating-income products and non-capital-guaranteed floating-income products.

2. Securities company financial management

Securities financial management generally includes stocks, funds, commodity futures, stock index futures, foreign exchange futures, etc. Individual or institutional investors can according to their different needs and investment preferences Choose from different financial tools.

3. Investment company financial management

Investment company financial management generally includes trust funds, gold investment, jade, jewelry, diamonds, etc. It requires a relatively high starting capital and is suitable for high-end financial managers.

4. APP financial management

Currently, there are a series of APP financial management methods on mobile phones, with zero starting capital and suitable for all people.