After the monthly salary is received, the salary will be divided into three parts according to the required proportion: living expenses: rent, utilities, communication expenses, daily necessities, etc. To ensure that this part of the money will not be used passively. Compulsory savings: put this money into wealth management products or deposit it in the bank, and try not to use it when there is no special expense. Activity funds: you can buy your favorite clothes, go shopping and eat with your girlfriends and other expenses.
Step 2 get into the habit of keeping accounts
It is important to know the income and expenditure of funds and what can be avoided before the next expenditure.
3. Reduce unnecessary expenses
People who can save money will earn more money, do not follow the trend of consumption, only buy their own necessities, stay away from pickpockets, or cook for themselves. Learning a skill will give them extra points.
4. Appropriate investment in wealth management products
Post-90s women are basically not short of money, only those who can't spend money', so we can get to know some P2P platforms properly, enhance our awareness in this respect, and achieve Qian Shengqian. Treasury bonds, funds and insurance are all good.
5. Improve your comprehensive strength.
The best investment object is your intelligence, knowledge, ability and health. You can apply for some professional and technical courses (such as accounting and English), participate in more social activities, accumulate contacts, and have better career development in the future.
Related reading: Personal short-term financial management common sense First, define the product term.
Customers generally believe that the term of bank wealth management products, like time deposits, is calculated from the day of purchase. In fact, it is clearly written in the bank wealth management product manual, when is the value date and when is the maturity date.
I suggest that when you buy bank wealth management products, you must read clearly the collection date and value date on the instructions. It should be reminded that the arrival date of wealth management products is three working days from the due date. Note that if there are Saturday and Sunday in the three working days, you need to add two more working days, so that the calculated arrival date is the correct date.
Second, pay attention to the rate of return.
According to the different investment scope, the expected rate of return of personal short-term wealth management products varies greatly. Even for the same type of products, the expected rate of return of each bank is different. Therefore, investors should make a choice after consulting in many ways. Generally speaking, the expected rate of return is relatively high, which refers to the income of wealth management products in an ideal state, which has certain market risks and the expected income may not be realized in the end.
The risk of fixed rate of return is almost zero, which is basically achievable and cannot be too high. The lowest rate of return is generally low. On the basis of ensuring the minimum income of investors, there is still a certain profit potential. When choosing this kind of products, investors should focus on the possibility of realizing product income, and can refer to the performance of products in previous years or pay attention to the analysis of market trends.
Misunderstanding of personal short-term financial management
Although the short-term wealth management products of banks were once popular because of their short cycle, strong liquidity, high income and low risk, in fact, many people will find that the income is not so high or even quite low after buying them. This is because most investors have not carefully read the contract of bank wealth management products. First of all, most of the benefits are expected annualized benefits, which means that in fact, many times, the benefits of this kind of publicity cannot be realized.
In addition, in the process of purchasing these wealth management products, most investors ignore that the previous subscription period and the subsequent liquidation period are extra interest-free, which can be said to be lent to banks for free. For example, a 7-day wealth management product has an annualized income of 8%, but if the subscription period and liquidation period are included, it may add up to about 12 days. If the average 12 days, the income will be much lower.
Personal short-term financial advice
In fact, many people buy personal short-term wealth management products because of low risk, high income than deposits, strong liquidity and other reasons. In fact, many other investment methods have these advantages, such as investing in money funds, which have high liquidity, low risk and generally higher returns than deposits; In addition, the return of low-risk investment is only comparable in the long term (generally at least one year). If you buy short-term wealth management products these days, change another one in a few days.
After such a year, your income is often not as high as a one-year time deposit! Therefore, don't invest all your money in short-term wealth management products. The real financial management method is to maintain and increase the value through reasonable asset allocation according to your own specific situation.
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