Money has shrunk, and there are tens of thousands of spare money on hand. How to manage money?

Living and consumption levels are getting more and more expensive, and you need to earn more and more money.

Then, you should learn and have the ability to invest and manage money, so that you can keep up with the pace of inflation and not have a hard time.

First, why do you want to invest in financial management?

Investment and financial management can better help you plan your future;

Investment and financial management can make better use of every income and expenditure;

Investment and financial management can make you realize your dream earlier;

No matter what your current foundation is, as long as you make up your mind, have the courage and perseverance to work hard, your life is not only beautiful in front of you, but also far away.

Second, what kind of investment and financial management concept is the appropriate financial management concept?

1 memorize Qian Shengqian's ideas and avoid financial fraud.

The best and most effective way to invest and manage money is to let Qian Shengqian.

Whether you invest your money in fixed assets, buy a trust fund, or put it in Ma Yun's balance treasure, in short, you can't let your money stay in a corner, so sorry for yourself.

Investment is not limited to any form or way.

As long as it can have a good influence or effect on your life or work, or in the future, it depends on everyone's starting point.

I read a story about emotional investment before:

A boy fell in love with a girl. When he was chasing her, he bought all kinds of things, all kinds of good things and all kinds of high-end trips. About half a year, he spent almost 200 thousand. Later, naturally, they got married.

But after getting married, girls know that when chasing her, the money spent is the savings of boys.

This is also an investment, an investment in future feelings and love.

Third, investment and financial management need to avoid misunderstandings.

1 stable work, no worries about food and clothing.

I personally agree, if conditions permit, try to start a business. Although starting a business is risky, there is also a 50% chance of success. Besides, when we were young, we didn't toss about. Do we still expect ourselves to be old and have the ability and strength to toss?

If you don't succeed in starting a business, you can go to work again, from nine to five, but once you succeed, the small ones realize the freedom of wealth, and the powerful ones gain the freedom of time and wealth at the same time.

But if you go to work, you can almost predict five or even ten years from now. Moreover, some occupations have puberty, and the older they are, the easier they are to lose their competitiveness.

I always feel that going to work is not a stable job. If the company says to fire you, you will be fired. What if I lose my salary for three months? Nothing is more secure than starting your own business. I never understood why. Everyone says that work is stable.

Of course, if you are lucky enough to work in a Fortune 500 company, your license is another matter. Your platform is different, and the resources you can get are different, but you should also strive for a good future for yourself.

Otherwise, even if you devote your whole life to the enterprise, when you get old, won't you still say you are speculating? ! I believe that most of what happened to Miss Gree Dong not long ago has been heard.

So, why fight for it?

Stock trading can make a fortune.

Can stock trading make a fortune? There is no denying that those who make a lot of money in the stock market and then walk away, just like buying lottery tickets, will they win the prize? Occasionally, I saw that the TV broadcast didn't win tens of millions or 100 million.

But in stock trading, most retail investors have lost everything.

In the case that the policy does not restrict the financing of stock trading, many people use leverage to enlarge the stock trading funds, and banks provide leverage platforms to cooperate with securities companies to enlarge the principal of your stock trading, but at the same time, it also increases your risk many times.

For example:

If you have 300,000 yuan in your account, the bank can lend you five times the principal, and you can get 6.5438+0.5 million yuan in stock investment. However, banks will have compulsory liquidation regulations. It means that when your loss of 6.5438+0.5 million yuan reaches 20%, the bank will force the liquidation to ensure the safety of their funds. Once there is a strong balance, your 300,000 principal will have nothing.

Last year, a friend of mine once owned two luxury cars, the cayenne and the BMW. There are two nannies to look after the children and three servants to look after the villa. However, it is precisely because of the leverage of stock trading that I finally got nothing, and now I am a debt dodger.

It is safest to deposit money in the bank for a period of time.

It feels the stupidest thing to deposit money in the bank regularly.

The interest paid by banks can't keep up with the annual inflation, and the money shrinks invisibly.

I don't know why so many people are willing to deposit their money in the bank. Even if they buy some funds or deposit Yu 'ebao, the interest rate of the bank will be higher.

Fourth, how to plan investment and financial management from scratch?

1 Try to borrow money. Ten years have passed, and the money borrowed now is nothing.

I have asked some friends before to persuade them to buy a house or invest, but some people always feel that they need to rely on their own abilities to achieve such a big thing, and it is a very shameful thing to borrow money from their parents.

Then year after year, they still stay where they are, and they have long been well-off since they invested early … ..

What's so ugly about lending money to your parents? You can also pay interest, which can be higher than the bank's interest rate for the same period.

Your parents' money is in the bank. According to the current inflation rate, only those who lose money will help your parents by paying interest.

If your parents don't have enough money, you can still borrow it from your relatives and friends, just paying them interest.

What dignity can we talk about without money? !

No money, what are you talking about? !

You dare not even borrow money from your parents. How dare you? !

Please remember: it is one thing for them to agree or not to borrow it, and it is important for you to dare or not.

If you really think that your parents have no money and your relatives and friends can't lend it to you, then read on and go to the bank to borrow money. You don't need to look at anyone's face, as long as you keep your word.

Proper purchase of commercial insurance can not only protect health, but also help to upgrade the overall assets.

Commercial insurance is an insurance other than normal social security. Commercial insurance can be pledged in the bank and then loaned out in proportion. The average loan can be 70%, and the interest is very low. But if you buy the principal and loan of commercial insurance, the bank will count it as your assets.

When you open a credit card again, the bank will calculate your credit card limit according to your overall assets.

For example, I bought 200,000 dividend-paying commercial insurance in ICBC, which needs to be paid for three years continuously, which means that if I want to redeem it within three years, I need to charge a certain percentage of handling fees. Then, I pledged the insurance of 200,000 yuan to ICBC, and I could lend almost 6,543,800 yuan in cash. According to the calculation of 6,543,800 yuan, my assets in ICBC will be 380,000 yuan.

Among them, the dividend income of 200,000 yuan, its annual income is about 5%, and the loan interest is about 8%. The difference between the two is the income of three-point interest, and about 20,000 yuan is equivalent to being deposited in the bank on a regular basis. But if you open a credit card with a satisfactory amount, can the difference between these three points be offset?

Of course, you can also choose not to buy such a high amount, or you can choose to pay annually. You can analyze it according to your own assets. When buying commercial insurance, you can ask them what kind of plan is suitable.

More credit cards, rational use, timely repayment, never overdue.

(1) Why do you need a credit card?

1) can enjoy interest-free use and increase liquidity.

According to different policies, banks have an interest-free period of about 20 to 45 days, which means that if the billing date of your credit card is 1 and the repayment date is 28, if you use your credit card after the billing date, for example, 65438+ 10 on February 2, then you can use it on February 28 and February 65438+ 10.

There is an interest-free use time in the middle, which is much more convenient than borrowing money from relatives and friends. The only difference is that you have to pay it back every month, but you don't need to look at anyone's face.

And as long as a bank gives you a credit card, other banks will not only review your assets, liabilities, credit and other comprehensive conditions, but also refer to your existing credit card limit. Of course, this reference is only a reference, and the bank will approve it according to your actual situation.

I remember that Everbright gave me a credit card of 65,438+10,000 yuan, and Bank of Communications immediately exceeded the credit line of Everbright by nearly 50,000 yuan. If you have three 50,000 credit cards, it means that you have 1.5 million working capital to use every month.

2) You can increase your credit record in the bank.

A bank is a place to look at data. The bank wants you to have some debts with them. Besides, you are a man of your word. If the borrowed money can be returned normally, banks will especially like it.

Banks are not afraid that you owe them money, so you often use credit cards to repay on time, and banks will treat you as a good credit. Then, when you apply to the bank for business again, the bank will like your behavior more.

(2) So, which banks are more secure in handling credit cards?

There are also tricks to apply for a credit card at the bank. At present, the credit card approval quota of the four major state-owned banks is relatively strict, and its quota is generally not as loose as that of non-state-owned banks.

Especially at the end of the year, Shanghai Pudong Development Bank, China Everbright Bank, Bank of Communications, Baoshang Bank, Minsheng Bank and other banks. There is a slightly loose card approval limit, so you can try more.

When you apply for a card, try to submit materials that can prove your assets, such as real estate license, driving license and social security card. If you have bought commercial insurance, you will also bring an insurance policy. The bank will evaluate your assets as a whole. The more assets you have, the higher the amount you will be awarded.

Of course, if you are lucky enough to work in a Fortune 500 company, or be a public official or a bank employee, the credit card application amount will be higher than the ordinary one. This is because of the nature of your work or the endorsement of the company. It is recommended to open more cards.

(3) I have no assets. What should I do if I want to apply for a credit card?

Another situation is that you have just graduated and worked for about a year, and you have no savings, let alone a house. In this case, you can also open a credit card with a higher amount.

For example, in Shenzhen, Citibank specializes in opening credit cards for working-class people. As long as your salary has been paid from the bank for more than six months and you have purchased social security, you can basically approve about 50,000 credit cards.

For example, Shanghai Pudong Development Bank, although you don't have any assets, the initial quota they give you may be very low, but they adjust the quota four times a year. As long as you use your card well, such as a credit card for eating and shopping, you will never give cash where you can use a credit card. Plus, if you can repay the loan on time, they will increase the quota soon.

(4) When using a credit card, please remember to repay the loan on time and never overdue.

If you have credit cards from multiple banks, please manage them in a unified way and don't overdue them.

If your credit card is overdue, it will bring great inconvenience to your later life:

For example, when you want to buy a house, it is overdue, and the bank may refuse to approve your mortgage;

When you want to buy a car, you are overdue, and the bank may refuse to approve your car loan;

When you need to apply for a credit loan from the bank, you are overdue and the bank may refuse to approve any of your loan business.

(5) How to manage your credit cards in a unified way?

1, the most primitive way is to make a unified EXCEL form to record all the basic information of your credit card, including billing date, repayment date, limit and timely update repayment status.

2. The second very convenient and practical method is to directly associate your credit card with WeChat, WeChat-wallet-credit card repayment, you add your credit card, and set a repayment reminder in association, so that WeChat will always remind you when to repay, and how much is left, at a glance.

3, the third is to use APP management. There are many apps that specialize in managing credit cards, but after using them, I always feel that it is not as convenient as WeChat wallet, because I don't like downloading more than N apps on my mobile phone, which will occupy the memory of my mobile phone.

Appropriate investment in fixed assets, such as buying a house.

Perhaps, seeing this title, you will feel very helpless, and you will feel that you are unable to buy a house, especially in the north, Guangzhou and Shenzhen. House prices range from tens of thousands of flats to hundreds of thousands or even more expensive. ...

How far do you think it is to buy a house? Think about it, work hard in Shenzhen or Shanghai for a few years, and then go back to your hometown to buy a house and live a small life. ...

In fact, the idea like this is very one-sided and wrong.

Of course, I'm not saying that life in small towns is not good. I just want to remind you that if you work and live in a big city from the beginning and return to a small town a few years later, most people are not used to it.

Moreover, in a few years, you will regret it when the house price turns over again. Why not buy a house in advance? Perhaps, if you bite your teeth, suffering will come.

1) You can buy a house to earn the principal in the prosperous time of real estate.

In 20 15, the real estate boom in Shenzhen, Nanjing and other places was probably known by most people, which promoted the prosperity of the surrounding markets. People who didn't take part in this activity just felt that real estate had gone up, which made people with houses make money, but they didn't know the real rising speed of real estate and the speed of making money.

For example:

After the policy of 2065 438+05' 3.30' was introduced, that is, in April, you immediately went to the intermediary to find a house for you. At that time, you bought an elevator room with a small second room in the center of Shenzhen, about 57 square meters, and the price was about 1.86 million. You paid a deposit of 1 10,000, so you paid more to prevent the seller.

Before handing over the house, you can entrust an intermediary to rent it for you and help you find customers in advance. The rent is 5000 yuan a month, and the monthly payment is about 7500 yuan. Then, you actually only need to pay about 2500 yuan a month.

At the same time, entrust the intermediary to hang out the selling information. Because of last year's market, the price of the house is one price per day, and sometimes the price is different in the morning and afternoon. Finally, the house 20 16 1 was sold for 2.85 million.

2) When the real estate is depressed, you can earn a house with zero down payment.

Of course, due to the intervention of government policies, it is difficult to have a market like last year, but when the real estate market is in a downturn, it has its own investment methods.

In Shenzhen, because the government has repeatedly raised the evaluation price, the tax price has continuously created a new history, and various policy restrictions have led to a' temporary' downturn in the Shenzhen real estate market.

We often see the information that intermediary companies advertise and buy houses with zero down payment. Zero down payment means that the house price is much lower than the bank evaluation price, and the bank mortgage is subject to the bank evaluation price. For example:

The price of the house is 2 million, and the bank's evaluation price is 2.8 million. This is how you actually calculate the down payment:

A: The down payment you need is 2 million * 0.3 = 600,000 yuan.

B: Bank loan: 280 * 0.3 = 840,000.

C: 840,000 to 600,000 = 240,000.

This means that you not only bought back the house, but also got back 240 thousand cash. The interest rate of your loan this time is about 4.5%.

When the house price goes up, all your liabilities are also your assets, because when the house price goes up, so does the total assets.

So when the real estate is in a downturn, there will be a lot of selling orders. Because there are few buyers and there is not enough market to accept selling orders, the price will fall in stages. As long as you look carefully, mainly describe your needs with major intermediaries, and let intermediary companies help you find a house every day, you can always find bamboo shoots that suit you and buy a suitable house with as little down payment as possible.

3) What about the monthly payment after buying a house?

Under normal circumstances, the transaction time of the second-hand housing market is generally about three months, and some times are longer, maybe four months.

From the second month after the bank issues the loan, you need to pay the monthly payment.

Repay by credit card

Then your old credit card will come in handy. At the same time, your loan bank will also give you a credit card. You can pay back the monthly payment by credit card, and then pay back the credit card in stages. If you feel stressed, you can divide it into 24 stages and pay it back slowly.

Because the national policy has raised the handling fee for credit card swiping, many banks now have credit card cash installment business directly. You just need to call the credit card center and ask if there is any cash installment service. If there is, you can pay in cash directly, saving the charge for swiping the card. Basically, cash can reach your savings card on the same day or the next day.

Borrow money from the bank

You try to survive the repayment period of six months, because after your monthly payment exceeds six months, Ping An Bank will have a monthly payment, which can be about 20 -22 times of the monthly payment, but the interest is relatively high, with the difference less than 1 minute. But the money borrowed is basically enough for your monthly payment for one year.

Apply for a commercial loan

If you have a company in your name, the bank will also have a commercial loan. If you borrow it, you will pay it back, and the interest will only be used by you.

Another kind of house is the way for developers to rent back. For example, if you buy a house from a developer, and then sign a house lease agreement with the developer at the same time, the developer will pay you a certain rent every month, and you can use this rent to offset the monthly supply.

Of course, this kind of house is rare in urban areas, and it is usually a hotel type to do so.

5 looking for capital preservation projects with moderate investment

If you depend on your salary, you should never expect to get rich unless you are like a working emperor, but many ordinary people can't, so we should seek to maximize our assets according to our own situation.

You can pay attention to some investment projects, but you must be cautious, because people often cheat in the name of investment in the market, so you must be cautious in choosing, which is why you put it last.

This is a double-edged sword. If used well, a few points can shake the whole situation. If you make a mistake, you may lose all your money.

I never blindly invest in any project, nor do I blindly listen to other people's exaggeration of the project. I will judge the quality of the project by myself before deciding whether to invest or not.

Please often attend some business studies or parties.

The market economy is changing, and the future of enterprises must be guided by financial development. If you don't take part in the study, don't pay attention to the latest business development, and just stay in your own small world all day, you will find that friends or colleagues you haven't seen for a year may realize wealth freedom, and the gap between you and others will widen invisibly.

Therefore, I will often spend time and energy to study. Of course, I have also paid a lot of tuition fees, ranging from several hundred yuan to tens of thousands of yuan. Although the quantity is different, I am satisfied as long as listening to a class can make me feel appreciated or learn new theories or knowledge.

Keep learning, so that your mind will not fall behind, and it is possible to seize every opportunity to jump in front of you.

Of course, any of the articles mentioned above can be carefully written alone, but the articles can't be seriously talked about because of the limitation of space.