Happy financial management, easy to make money

As the saying goes, "If you don't manage money, money will ignore you". My enlightened parents have instilled financial knowledge in me since I was a child, so the word financial management is not strange to me.

every new year, a large sum of money will be added to my vault. However, the problem is coming. Where is the money going? After careful consideration, I divided the money into several parts. 97% of the money is deposited in the bank, staying with my brothers and sisters there; The remaining 3% is put into my cash pocket for emergencies, such as buying various school supplies.

but saving money is not enough. In my opinion, we should try our best to save the expenses of buying all kinds of toys and snacks at the school gate. If we shouldn't buy them, don't buy them indiscriminately, and we must restrain ourselves. For me, instead of spending money on those toys and snacks, I might as well use the money to buy some useful books.

in terms of investment, both my mother and I advocate being cautious. Once my father planned to invest all his savings, saying that the annual return was 24%. I told my father: suppose your property has 1 thousand yuan, and you plan to invest it all. Although it is of great benefit, it pays equal attention to both risks and benefits! After all, it's not a bank deposit! If you succeed, you can get 2 thousand yuan with interest; But if you fail, you will lose everything, won't you even lose your capital? It is better to be safe and invest half. If the investment is successful, plus the original property, there will be 15,; In case of loss, we still have 5 thousand in our hands, so we can stay in the green hills, not afraid of no firewood! Finally, my mother and I successfully persuaded my father that he didn't take any risks.

As for my own money, I saved it for two years before the bank earned 9 yuan interest on a regular basis. I found that the current coins have been depreciating, and the interest I earned in the past two years is simply not worth the loss caused by the devaluation of coins. I decided to mend my ways, put the money together with my mother's and bought a bank wealth management. This kind of financial management will not lose money, and the income is higher than the interest on time deposits. The monthly interest can make all the money I lost back from the devaluation of coins and make a little money! I'm very satisfied, because such stable financial management is rare now, and I won't lose money, but I can earn a little, which is really a great good thing for cautious people like us!

after several years of financial management, I found that stocks are unreliable for people who can't speculate in stocks, and funds won't make you any benefits. Therefore, depositing in the bank is the most reliable way. But if you are an adventurous person and don't like to be cautious, then you can take a good risk! However, don't blame me for not reminding you at that time, financial management is to be down-to-earth and steady!

There is an old saying in China: "When sand gathers into a tower, water drops into a river." We should save a penny first, and in the end, it may become a hundred-dollar bill! Many people don't pick up a dime on the road, but they don't know that money is saved bit by bit!

manage your money well, take care of your every penny, and don't take money to do something useless. You will definitely not become poor in the future!