What are the ancient poems about scientific financial management?

There is a saying: eating and drinking is not bad for money, and poor planning is poor.

My financial management ideas and methods and life planning can be used for reference.

The safety of funds is the first, otherwise there is no principal at all.

First of all, I only do a little stock, accounting for 1% of my bank deposit (I must control the funds. If you don't know anything about stocks, it is not recommended to enter the market. Remember that the safety of funds comes first. ), I have made a time deposit for the rest in one way.

My opinion is that there will be no pie in the sky. Why is it called venture capital? First of all, there must be risks. Most people say (many financial managers I have contacted) that the risk is high and the income is high, but they never emphasize the risk to you. But when you buy a product, they ask you to fill in the words "read at your own risk", and when the risk really happens, no one will replace you. When you buy a product, it's your money. If someone tells you to buy it, you buy it, but if there is a risk, people will withdraw.

My view on financial management is capital preservation. In case of investment loss, don't affect your basic life and quality. Do not buy wealth management products. Don't buy a guaranteed product, such as writing "at your own risk" or it won't be guaranteed.

I have been a stock trader for more than ten years. At first, I heard someone say which stock to buy. Now I can judge for myself. I should study hard. Investing in stocks is disciplined. Don't put all your money at home.

If you put 10000 yuan into the stock market, when you earn 20000 yuan, you will take out the original principal 10000 yuan, so leaving 10000 yuan in the stock market is the money you earned, and take out the remaining principal 10000 yuan. In the future, If you earn, you will take out some funds when you reach a certain amount, and then deposit them regularly to ensure the income.

In addition, I divide my income into several pieces every month: from clothing, food, housing, transportation, education, medical care, telephone charges, utilities, rental fees (if I buy a house with a loan, it is the cost of repaying the loan).

The way I manage family funds is:

Bank card management

Through physical isolation

In the bank where you deposit money, * * * opened three cards:

The first type: bank cards with relatively large deposits must not open online banking;

The second card: the bank card used for transfer, which can open online banking, but can keep the deposit below 1000 yuan at ordinary times;

The third card: If you use Alipay for shopping, you can open this card to bind Alipay, and you can usually leave about 2,000 yuan on it for small shopping, which is more convenient.

Let me talk about the usage of these three cards first:

1. If necessary, bank cards with large deposits (those without online banking) will transfer some money to the transfer card at the counter, and use as much as possible;

2. Then use a special transfer card to transfer money to others (never to strangers) or transfer money to the bank card bound to Alipay. Be sure to remember how much to use, safety first;

3. Alipay needs money and can be recharged with the bank card bound by Alipay;

4. Usually don't deposit too much money in the bank card bound by the transfer card and Alipay, so as not to steal the bank card.

Deposit management

1. Just start saving 2 months' salary, and save the rest of the money regularly (usually for one year) except for necessary expenses;

In this way, there will be six certificates of deposit within one year (for example, every two months), and then one certificate of deposit will be deposited every month in the next year. If this cycle goes on, there will be money due every month and money in balance every month. If there is no urgent need, you can continue to save with interest;

3, just cycle, there is money due every month, not afraid of something urgent. You can also save a lot of money.

With a certain amount of funds, these funds can be planned and divided into children's education funds, tourism, pension and so on.

Matters needing attention

Remember not to transfer money to strangers easily. The persuasion of the bank staff can be described as well-intentioned.

Let's talk about life planning.

First, try to use your savings for special purposes. The following describes how to use them for special purposes.

Every two months, use the above-mentioned certificates of deposit to save the balance of your monthly income after reasonable control, and then distribute it after the funds have accumulated to a certain extent.

When I was young, this accumulated fund will be used to support the education of my baby and children after they are older. I should also think about myself and my lover's parents and give them some money, even a little, until there is more money in the future.

When people reach middle age, at this time, there are old people and small people, and the accumulated funds should be divided into blocks.

1 With medical funds, it is better to have medical insurance now. Is there any medical insurance at present?

I think the medical fund should have a family member's serious illness fund, and everyone should be considerate to a certain extent. I save this money for a fixed period of time to ensure that my family (including both parents) have a solution when they are seriously ill.

There should be education funds, mainly to help children complete the necessary studies.

Give some money to both parents every month (give less if you have more money, don't forget your parents).

Save some money for yourself and your lover when they are old, because people may need someone to take care of them or go to a nursing home when they are old.

Other funds. With spare money, you can consider other personal preferences such as travel.