Specifically, we should do the following:
1, learn to cut down. The salary is limited, so you should save unnecessary money. As long as you save, you can still save a considerable income a year, which is the first step in financial management.
2. Do a good job of open source. With the extra money, it is necessary to use it reasonably, so as to preserve and increase its value and produce greater benefits.
3. Be good at planning. The purpose of financial management is not to make a lot of money, but to ensure or better life in the future (so financial management is not only for the rich, but also for the working class). Being good at planning your future needs is very important for financial management.
4. Reasonably arrange the capital structure and seek the balance between actual consumption and future income. This part of the work can be commissioned by professionals to design for themselves for reference.
5. Consider the rate of return according to your own needs and risk tolerance. A high-yield financial plan is not necessarily a good plan, but a good plan that suits you, because the higher the rate of return, the greater the risk. The scheme that suits you is the one that can achieve the expected purpose and has the least risk. Don't blindly choose the scheme with the highest yield. Remember: the purpose of your financial management is not to make money. An activity aimed at making money is called investment!
Idea: establish a firm belief that investment and financial management are not the patent of the rich.
In our daily life, there are always many wage earners or low-and middle-income people? Only rich people are qualified to talk about investment and financial management? The concept of. It is generally believed that a fixed monthly salary is almost enough to meet daily expenses. Where can I get extra money? Financial investment is the patent of the rich and has nothing to do with their own lives. Is still the idea of the general public.
In fact, the more people who have no money, the more they need financial management. For example, you have 65438+ 10,000 yuan on you, but financial mistakes lead to property losses. It is very likely that many problems will endanger your life safety immediately. How many millions, tens of millions or hundreds of millions do you have? Value? Some rich people, even if they make financial mistakes and lose half of their property, will not affect their original lives. Therefore, we must first establish an idea that financial management is a major event that accompanies life, regardless of wealth. Life management? In this process, the poorer people are, the more they can't afford to lose. We should treat financial management carefully.
Financial investment is the patent of the rich, but the financial management strategies of newspapers, television, internet and other media, which are the sources of public life information, serve the minority? Privileged area? . If you really think so, you are all wet. Of course, among all sentient beings, the so-called truly rich people are a minority, while the middle-class wage earners and the middle and lower classes still account for the vast majority.
It can be seen that investment and financial management are closely related to life, such as the poor who have no money or the middle class who have just entered the society and have no fixed property? The new poor? Shouldn't have run away. Even if it is too tight, insignificant? Gather sand into a tower? Is it more likely to be used properly? Turn over? Opportunity!
In fact, around us, most people just pretend to be poor. Sometimes they complain that prices are too high and wages can't keep up with the rising prices, and sometimes they feel sorry for themselves. They wish they couldn't be born in a rich family, or some cynical people even despise investment and financial management, thinking that they are chasing the copper stink? Vulgar things? , or with those so-called investment and financial management? Rich people? Draw an equal sign and belittle it with values. As everyone knows, these people are caught in contradictory logical thinking. On the one hand, they deeply understand the great influence of money on life, on the other hand, they disdain to pursue the accumulation of wealth.
Therefore, we sentient beings must change our ideas, face up to the actual value of money, and know that daily life cannot be separated from it. Of course, paying too much attention to money will also distort personal values and become a slave to money, so be honest with yourself. What do you think of money? Is income out of proportion to life? Has the problem of money become your own? The inevitable pain of life? Is it?
Wealth can bring stability, happiness and satisfaction to life, and it is also one of the ways for many people to pursue a sense of accomplishment. Everyone should create wealth moderately and not be enslaved and burdened by money. This is the golden mean. Do you realize that? Is it shameful to be poor, and money is not a crime? Don't ignore the role of financial management in improving and managing life. No one can tell, how much money is needed to meet the investment conditions and need financial management?
From our years of financial work experience and market research, financial management should? From the first income and salary? At first, even if personal fixed expenses are deducted from the first income or salary? To the state treasury? Besides, there are not many left, so don't underestimate the meager ability to collect money. 10000 yuan has 10000 yuan investment method, 1000 yuan also has 1000 yuan financial management method. The vast majority of working-class people start to accumulate funds from savings. The average wage is just enough to make ends meet? The new poor? No matter how much money you earn, you should first take out 10% of your monthly salary and deposit it in the bank for safekeeping. Don't use it 、? Just can't get in or out? Only in this way can we lay a primary foundation for accumulating wealth. If you have 500 yuan's funds in your monthly salary, open an account in the bank, deposit and withdraw them in lump sum, with interest divided, excluding interest. After 20 years, the principal alone will reach 6.5438+0.2 million. If you add interest, the figure will be even bigger. So what? Fall into the river and collect the sand in the tower? The power of can not be ignored.
Of course, if the bank deposit interest rate is too low, and after the tightening? The result? Impressed, we also suggest opening up other good investment channels, such as family bonds and funds, setting foot in the stock market, or buying stocks in partnership with others. These are all ways of small investment. But pay attention to the credit problems of participants. Don't be felt by high profits at first, but evaluate the risks appropriately. Never? Get rich overnight? The thinking of financial investment should be solid and step by step.
In short, don't ignore the power of small money, just like spare time. If you make full use of it, the effect will be amazing after a long time. The most important starting point is to have a clear and correct understanding, and to establish a strong belief and confidence in winning. Advice again: financial management must first be firm. Don't think that investment and financial management are the patents of the rich. Financial management should start with establishing self-confidence and firm belief.
Related reading-a financial management method suitable for office workers
Bank deposit law
Bank deposit is the most commonly used investment method for office workers. Bank deposits are safe and reliable (protected by the Constitution), with convenient procedures (savings outlets all over the country), flexible forms and inheritance. The financial planner said that after the bank absorbed the savings deposits, it put the money into the social production process in various ways to make profits. Then the bank pays interest to the depositors.
Internet financial management mode
Recently, various Internet wealth management products have increased, such as Yu 'ebao and Baidu. A hundred shots and a hundred hits? , Yan Ruyu face so much? Bag? How to choose Internet financial products? The financial planner said that when choosing Internet financial products, try to choose well-known and large institutions, and also look at the types of investment products clearly. Take the upgraded Yu 'ebao as an example. It is not a fund product, but an insurance product.
Fund financing mode
Investment fund refers to an investment method in which fund sponsors collect the funds scattered by investors by issuing fund vouchers (i.e. beneficiary vouchers), and then entrust them to fund custodians and fund managers for management, and distribute the investment income to fund voucher holders. Buying investment funds by office workers is tantamount to giving the funds to experts, which is not only less risky, but also saves time and trouble. It is the best investment tool for family investors who lack time and professional knowledge.
P2P financial management mode
At present, P2P financial institutions in the market are all based on peer-to-peer returns in the form of P2P, with low investment threshold, low risk, high income, flexible capital turnover and simple participation form. The financial planner said that office workers can subscribe for the existing personal high-quality creditor's rights on the P2P financial platform only by investing money. However, financial institutions only match the bridge and lend money to high-quality borrowers who have passed the audit, thus obtaining high returns, and investors wait for the benefits at home.
Gold financial management law
As the best hedging tool, gold has been favored by everyone since ancient times, and it is considered that owning gold is the best strategy besides traditional stock and bond assets. Especially in the turbulent world, many investors believe that only gold is the safest asset. Therefore, investors unanimously regard gold as an important part of the portfolio. Financial planners said that investing in gold can make money, mainly because of appreciation.
Office workers no longer have to worry about financial management. These foolish financial management methods will help you make money. There will be an RV and a car soon in the Year of the Horse.
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