1, personal financial planning-make financial planning according to your own consumption.
The allocation ratio ensures that the investment per month is not less than that of last month. Such as living expenses, unexpected expenses, investment, financial management, etc. Should be classified so as to adjust the plan at any time according to the actual situation.
2. Personal financial planning-reduce expenses and save some money by installment.
Many people don't spend that much money, but even a small investment can bring a lot of wealth. Suppose you start from the age of 25, save an extra $65,438+000 every month and earn 65,438+00% every year. When you are 35 years old, you have $20,000.
3, personal financial planning-manage your credit card to prevent blind overdraft.
The actual total consumption of credit cards should not exceed a quarter of wage income. In order to avoid blind overdraft, it is recommended to use only one credit card.
Now suppose that our monthly income is 4000 yuan, the year-end bonus is 4000 yuan, and the average monthly expenditure is 1000 yuan. Take out all the small deposits in 500 yuan's fund every month to meet the daily emergency expenses, apply for a credit card, and usually choose to spend by credit card, especially when there is an accident, you can rely on the credit card to tide over the difficulties. But remember to pay back the money on time to ensure credit accumulation.
4. Personal financial planning-buy yourself a critical illness insurance.
Don't consider investing until you have spent all your money and it is safe. However, we should pay attention to investment and keep a clear head. Don't worry and don't buy more. We should buy suitable financial products according to our actual situation.
5, personal financial planning-the correct investment and financial management mentality.
After all, investment and financial management are risky. We are often depressed because of investment failure, and often complacent because of occasional profits. Investment and financial management is a long-term project, and short-term gains and losses do not mean anything. What we have to do is to learn from the experiences and lessons of various stages of financial investment and gradually become investment masters.
6. Personal financial planning-don't go with the flow.
Many fund managers like to track investment trends. They will do what others say and make money, no matter what the logic behind their investment is. They often like to listen to experts' opinions, and if they agree, that's a good thing. This is also the party's first choice: focus on results, not process. However, in practice, it is difficult for experts to control the vagaries of the investment market. If the market changes dramatically, they will certainly suffer losses.
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