If you are in a first-and second-tier city, you can barely survive. If you are in a third-and fourth-tier city, you can earn 500 yuan a month. Generally, you can deposit 65,438+00%-30% of your income as a wealth management fund every month. Let's just say that you are in a third-and fourth-tier city, and you take 20% of your income as financial management funds =700 yuan. This 700 yuan can be used for the following financial management.

First of all, 200 yuan made a fixed investment in the fund.

I am scheduled to vote for 50 yuan every week and 200 yuan for one month. Fixed investment 1-2 years, quite economical, and saved thousands of dollars in one or two years. As a long-term savings, if you don't take it out in less than three to five years, the bull market will not lose much. Generally, you will get twice the income and at least 50% return.

We often say that there is no wealth without planning, and we will ignore you without financial management. A monthly salary of 3,500 yuan may be tight in first-tier cities, but it may be slightly better in second-and third-tier cities. However, I still suggest that you take care of your own advantages first, and try your best to open up sources while reducing expenditure, otherwise it will be difficult to achieve an ideal financial planning through inflation and rising prices of 3,500 yuan.

First, the 500 yuan Monetary Fund.

Why choose 500 yuan to buy money funds? Because your income is too low. Seriously, there will be an emergency in the future that needs money. This 500 yuan is also 6000 yuan a year. This 6000 yuan can be spent at any time as a temporary emergency.

Summary: Because your financial funds are too small, you can only manage your finances in the above two ways, and you can't pursue high-yield and high-return financial products. Even if the income is high, your few hundred dollars are meaningless. You can only buy some money funds as a way to save money. This is your best way to manage money.