Today, I will talk about the practical and efficient financial management methods of wage earners.
First, make more deposits.
Then, the first thing to do in financial management is to deposit. It is the correct way to manage money by saving your first money before investing.
Now I'll introduce you to a method called 52-week savings method, which can guarantee you to save at least 13780 yuan a year.
The 52-week deposit method simply means that depositors must deposit in 10 yuan every week and then in 10 yuan every week for 52 weeks in a year. In the 52nd week, he will deposit in 520 yuan.
Total * * *, how much money can you have a year?
10+20+30+40+50+…………+520= 13780
Although the initial amount is only 10 yuan, you can actually save 13780 yuan in one year, and the power of fund accumulation is very strong.
Indeed, many people think it is too easy to save 10 in the first week. Your initial amount can be 65,438+000 yuan, or you can simply start with 65,438+0000 yuan.
Everyone can save money, the rest is in Qian Duoduo, and the rest is in fewer places.
In the process of saving money, the amount target should be appropriate, don't stop halfway, and don't take out the money halfway.
Maybe you find it difficult to save money in this way, so you can take out the appropriate amount from this part of the deposit every month to satisfy one of your extravagant wishes and manage your finances simply and happily.
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Second, the way to manage money with less money
As we all know, the vast majority of investment bank deposits or fund fixed investment are idle money, so as to avoid running out of money when in urgent need.
But how can you invest if you don't have much money and spare money to spend?
It doesn't matter, this investment method can effectively solve everyone's problems, that is, twelve investment methods.
Take out a sum of money every month to invest in a fixed-term investment product, that is, the "Twelve Investment Methods", so as to maximize the income and insist on monthly investment.
Adhere to this every month, force a sum of money to be saved, and manage money reasonably. After one year, in addition to interest, there will be principal payment every month.
At this time, if you need a huge amount of money, you can complete your requirements through the principal that has been paid or will be paid.
If you don't need to spend money, you can continue to invest with the principal, interest and the investment fund prepared this month.
This method is very practical, whether it is a fixed investment of a fund or a wealth management product of an investment bank.
Third, how should I manage my money?
At present, there are many kinds of wealth management products, but there are still many similarities in basic principles and skills. If your friend is short of money, consider the following suggestions.
The first step is to ensure normal living expenses, that is, to set aside enough cash flow as an emergency reserve before financial management. Generally speaking, it is safer to stay for three months.
This money can be completely deposited in Alipay's Yu 'ebao, or the change pass in WeChat.
If the basic economy can be maintained, the extra money can be used for investment.
Even if the cost of investment and financial management varies from class to class, the choice of working class is almost the same. Ordinary people's financial management methods are mainly bank financing, funds, stocks and gold.
Everyone's specific configuration of each financial management method depends on the risk of financial management method, and the risk order is as follows:
Stock > stock fund > gold > bank financing > money fund, the higher the risk, the higher the income.
Among them, stock funds are floating income wealth management products, and the risks and benefits of fixed income wealth management products cannot be compared with stocks of the same dimension. The risk of a fund's fixed investment cannot be compared with that of stocks, and its risk is lower.
High-risk wealth management products used to obtain income can choose stocks and equity investments, and safe-haven assets can choose gold for allocation.
After the theoretical knowledge is finished, the focus of financial management still depends on practical operation, otherwise it is useless to collect more information, and the welfare is coming! "Financial Training Camp" takes you to the Nuggets with ease and stability. Click register.
The above is my response to "I am a wage earner, how can I manage my finances reasonably?" Planning "answer, hope to adopt ~
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