Common sense one: prepare emergency money when managing money.
Some investors like to spend all their money on financial management, but some financial management has a time limit. When they need money, they may not get it. Therefore, when managing money, they should prepare an emergency sum of money, which is usually six months to one year's living expenses. This money can be deposited in Yu 'ebao, change saving box and money fund, because this kind of current financial management has better liquidity.
Common sense 2: When managing money, you should prepare your future living expenses.
When managing money, consider the possibility of needing money in the future. If you are unemployed or sick, you can take it out at this time. You can consider saving your living expenses for three to five years, and deposit them in bank deposits or national debt. Be sure to choose low-risk ones, and it is best to break even.
When you deposit time deposits in the bank, you can consider depositing them in batches, because the interest paid in advance by bank time deposits is calculated according to the current interest. If you deposit in bulk, only one interest will be affected, and the interest of other deposits will not be affected.
Common sense 3:
What we ordinary people should know about financial management.
1. The first step in financial management is to learn certain venture capital. If you put all your money in your current account, you will only get poorer and poorer. So no matter what kind of financial products you buy, small venture capital is a good choice for financial novices.
2. Although small venture capital can be tried, Rong Hui Fortune reminds everyone that it is best not to buy stocks for the first financial investment in life. Although stock investment is a high-yield investment, it is also a high-risk investment. Without a strong and good investment mentality and sufficient knowledge of the stock market, it is easy to fall into the strange circle of the stock market and eventually end up with both people and money. Therefore, if you want to enter the stock market, you must have enough stock market reserves and risk awareness.
3. Keep an eye on the latest news of the wealth management market. Even if you know the market trend, you can pay more attention to Rong Hui wealth when you have time. The latest financial information will be presented to you at the first time to help the novice on the road of financial management grow rapidly.
4. Don't use the cash withdrawal function of credit card easily unless absolutely necessary. High extra expenses will drag down people's money and may become a burden on families.
While investing, don't forget to invest in yourself and arm yourself with knowledge and experience in order to manage your finances better. And the sooner you invest, the better. Rong Hui Fortune Online Platform provides users with the most professional investment assistance.
6. In the process of investment, you must be familiar with your professional field. For investment fields that you are not familiar with or understand, you must do a good job of increasing revenue and reducing expenditure, and don't easily set foot in unfamiliar fields. However, unfamiliar areas can also be studied slowly on Rong Hui Wealth Platform. As long as you work hard and spend more time, you will certainly get something.
7. Different family life cycles require different financial management methods. Single issue: you must have your own financial planning. Being single has no burden, so it is also a period when you can't save money. So there must be a plan, and we must not be unrestrained. "Moonlight clan" is not a good phenomenon. Family period: from marriage to having children, there are many places where money is needed, especially after having children, we must pre-deposit growth funds for children and families in advance. In order to use money urgently, we will not be short of money. However, Rong Hui Fortune reminds everyone that not only children grow up, but also the old people's pension and the health of their families need a wise financial expert to take care of their property. It is very important to learn how to manage money well.
8. Learn financial management knowledge. If you can communicate with professional financial consultants, you may have better ideas. However, we ordinary people can't judge whether the professional level of financial advisers is in place. To have a certain determination, we must study and practice experience. Rong Hui Fortune is a very practical platform, which allows us to have in-depth and effective communication with financial advisors after studying.