People who save less manage their finances mainly by accumulating wealth, that is, saving money or investing money in some low-risk financial products. Because of lack of money, it is not cost-effective to do high-risk and high-yield work, and you have to risk losing life-saving money. For example, you only have 20 thousand yuan, which is your living expenses. In order to get high returns, you go to speculate in futures or stocks, and finally you lose everything and have no food to eat. This is irrational. Therefore, people with less deposits can directly put them in Yu 'ebao or buy bank wealth management, and make some wealth management products with little risk loss.

Secondly, we should make a fixed investment in the fund and accumulate wealth for a long time, and spend hundreds of dollars a week to make a fixed investment in the stock fund for many years. After three to five years, there will be a good asset and a good income. This is how people who save less manage their money.

First of all, I personally think that financial management is not about how much money you earn, but more about how to manage your wealth. Through such a process of managing wealth, you can better discover the value of your life. Under the pressure of life in today's society, my feeling is that most people are trapped in the quagmire of wealth, thinking how much money they will earn and how many good days they will live in this life. The idea is actually

Just because the income from financial advice is not high doesn't mean you can't manage money. But how to make a reasonable plan?

Everyone says that eggs can't be put in one basket. I recognize it. But I think only when we reach a certain base can we be qualified to spread our eggs in the basket. If you can't collect a certain number of eggs at first. There is no point in spreading financial management.

In my opinion, we can give priority to saving in the early stage and flexibly support our daily life. You can't take it out because of an emergency. Then, the bank's regular savings, WeChat, Alipay's low-risk financial management. Even small change can be used to manage money. First, we must ensure the flexibility of money. There will be no emergency.

After a part of the deposit, you can consider diversifying your investment. Conduct short-term and medium-term financial management. Fixed investment, some insurance is ok.

But when doing financial management, you must consider the risks you can bear. If the principal is not received, it will be lost. Remember not to gamble.