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Everyone knows that it is early to manage money, but the reason why it is easier said than done is because when you are too young, you often have no money to manage, and when you have some capital, you are old. From the perspective of life cycle:

Between the ages of 25 and 40, you have to spend too much money: your income fluctuates greatly, you have to save money to buy a house and a car, and you have to raise children. The amount of money you can save is quite limited.

40 to 55 years old, the peak of life, position and income are often the most brilliant stages of life. The children probably went to middle school, but the expenses were reduced.

After the age of 55, you should consider starting to retire for the aged, and your risk tolerance is also low. A lot of money should be spent on consumption, not investment.

Therefore, although it is said that the sooner you start financial management, the better, but the most effective financial management time may be ten years. At the beginning, it is inevitable that your study results will be poor. When you get old, you will lose many opportunities because you want to break even. Therefore, before the arrival of golden decade, a 40-year-old wealth manager should do the following nine things well, even if you don't become extremely rich, you won't get out of poverty.

(Source: Daliulian) Scheme 1: Develop the habit of bookkeeping. No matter how much you earn, office workers must first develop the good habit of "keeping accounts". In addition to clearly grasping the direction of spending money, you can also learn the prices of various daily consumption and cultivate your sensitivity to numbers. As long as they shop around, they won't suffer too much.

Scheme 2: Formulating the family budget for the next year Generally speaking, the family income and expenditure budget includes the annual total income and expenditure budget and the monthly income and expenditure budget. According to the principle of living within our means, we must first know how much money the family will save in the coming year and what expenses it will have each year, so as to realize the goal of increasing the value of family assets as planned, and at the same time, we must guard against all kinds of unexpected needs in the future.

Option 3: Avoid living alone. Although living alone is free, it costs a lot. Financial experts give young people the most common advice: before getting married, if possible, try to live with your parents, because the effect of saving money is amazing. If the situation does not allow you to live with your parents, you might as well share the rent with friends who get along well and trust you. Not only can you live in a bigger house, but you can also have a separate room and save money!

Option 4: The most important principle of buying a car for investment and financial management after five years is to buy things that will increase in value as soon as possible and postpone buying things that will depreciate as much as possible. Therefore, it is better to buy a car with a fast depreciation rate in the future. Not only is the car price a big expense, but the annual parking fee, license tax, fuel fee, third party liability insurance, maintenance fee and vehicle inspection fee add up to a very considerable expense. Young people had better choose to rent a car when they need it most.

(Source: Daliulian) Option 5: Invest as early as 10. Einstein once said that "compound interest is the most powerful force in the universe", so to accumulate the first bucket of gold, we can't ignore the power of time. Money is hidden in opportunities, and opportunities are hidden in the torrent of time.

Option 6: Buy basic stocks on dips. Buy stocks when the stock market is not good and no one talks about stocks. Choose those stocks or heavyweights of the stock index that have often been powdered in history. You don't need much money. Buy a little in January or a few months and sell it when the stock market rises sharply. Heavyweights don't necessarily go up, but they will, and when no one talks about it, the price is often very low.

Option 7: Buying a house five years in advance is a means of compulsory savings. On the one hand, buying a house early is a kind of pressure, which also increases the motivation of work appropriately. On the other hand, repaying a loan is equivalent to saving money, so as not to waste money on various consumption when you are young. In addition, even if the property does not exceed the best investment products, it will not be worthless.

Option 8: save your own pension, endowment insurance, commercial insurance ... add another item to your savings or financial plan. Today, when you are 30 years old, you may find that there is not as much money in your pension account as you thought, because the working population base was small at that time, but the pension population base has expanded. The reason is the fluctuation of population base, just look at the college entrance examination registration in recent years.

Scheme 9: Implementing retirement planning early 10 People often feel that retirement is far away from them, especially for many people in their thirties and forties, it seems too early to start planning retirement life now, and there are too many uncertainties. It is true that getting married, having children, buying a house and educating children all need a lot of money. However, if we postpone the implementation of the retirement plan, there may not be much time to prepare for retirement.

Summary: (Source: Dalian) 1. What to buy first is a matter of opinion, but it is definitely right to buy first that can bring benefits.

2. Do you remember whether to keep accounts is not a form, but it is more useful to know your financial situation first and then make planning goals. Little friends with bad memories can use online accounting software.

3. The first few years of financial management were actually saving money. Unless the annual salary is several hundred thousand, few people can talk about investment in their twenties, but entering a hundred thousand clubs one day earlier may mean entering a million clubs ten years earlier.

Don't put too much pressure on yourself about buying a house, but don't put too much pressure on yourself or expect too much from your parents. Don't always try to do it in one step. If you can't afford a big one, you can buy a single room first. If you can't afford the affordable housing in your hometown, suburbs and Beishangguang, it will be great. If you like this article, please share it and let more people see it!

Original source: Daliulian