In our life, there are still many office workers earning 5,000 yuan a month, which is a good income level. But for the high housing prices, how should we plan to realize the dream of buying a house? In my opinion, living expenses should be planned reasonably and financial management should be carried out reasonably. Financial management methods need to avoid high-risk financial products and financial management methods, so how do specific office workers manage their finances? How do office workers with a monthly income of 5,000 to 5,000 manage money to buy a house? How do office workers manage their finances? How do office workers with a monthly income of 5 thousand manage money to buy a house? I gave them some financial advice:

First, avoid high-risk financial products and financial management methods, and choose financial management methods with stable financial returns and less risks.

While choosing financial management, you need to plan your income well, and you can only invest the rest of your income and not exceed it. This can effectively avoid risks and ensure the safety of your property.

Second, the proportion of funds invested in the stock market should not be too large.

If you already have the goal and plan of buying a house and buying a home, then the proportion of funds invested in stock trading should not be too large, and the investment in this piece should be controlled as small as possible, so as to ensure the implementation of the plan of buying a house and buying a home more stably.

Third, fund investment.

Fund investment is also a relatively stable and rational investment, which is more suitable for office workers. Part of the income can be used to invest in funds. There are several types of funds, such as balanced funds, bond funds and stock funds. When you invest 5000 yuan a month, you can also invest in many aspects, which can effectively balance the supply and make it easier to get the money-making effect of the current bull market.

Fourth, regular savings.

Forming a good habit of saving regularly can help financial managers avoid impulsive spending. The interest rate of fixed deposit is much higher than that of current deposit, so you can get more interest income.

Fifth, you can choose to buy insurance appropriately.

There are many types of insurance on the market, which can be purchased according to your own needs. It is both a guarantee and an investment, avoiding property losses caused by family risks.

How do office workers manage their finances? How do office workers with a monthly income of 5 thousand manage money to buy a house?

Second, you can consider buying some low-risk funds.

Monetary fund is an ideal and flexible way, but its income is low.

Third, financial investment, such as p2p investment.

Reliable p2p platform has relatively low risk and high income, which is very suitable for office workers to make short-term small investments, and the general income is above 8% to 10%. For example, the expected annualized rate of return of Hyundai CRRC Online is 9.5%- 15%. The goal is real and clear, investors can freely choose those within three months and those over three months, so that the investment income can be gradually accumulated, plus the principal, and reasonable planning will leave.