Learn how to manage money.

1. How to learn how to manage money? As the name implies, financial management is to manage property. Personally, if you have a little economic foundation, you can speculate in foreign exchange or stocks (risky) and make small investments.

Financial management is a science. Different people have different ways of managing money because of their different work income and family situation, so how to manage money should be formulated according to their own situation. I recommend several good websites for you to learn slowly according to your own situation. Through the study, I believe you will find a suitable financial management method: financial channel-Sohu financial management ★★★★★★★★★★★★★★ ★ He Xun financial management ★★★★★★★★★★★★★ ★ First Financial Weekly ★★★★★★★★ ★ ★ Financial management _ financial management horizon _ Sina.com ★★★★★★★★★★★★★ ★ ★ ★

2. Why do young people learn to manage money? In the west, 65,438+08 young people have started to stand on their own feet and support themselves independently, and no longer ask their parents for money.

They gradually manage their money when they are young, and have become the main competitors in the market by middle age. In China, most young people still rely on their parents, and they don't learn how to manage money until middle age. At this time, due to the influence of family and children, their energy is limited

As I grow older, I face retirement. I have some money in my hand and want to prepare for retirement. I can't afford to invest heavily, so I have to do nothing in the end. Youth is wealth, and everyone envies it.

We can draw such a conclusion with a simple compound interest formula. If you had a 1 10,000 yuan venture fund when you were young, after 10 years, 1 10,000 yuan can become 2 million yuan; The same old age is 100000 yuan, and it will take10 years to grow to 60000 yuan, so it is no exaggeration to say that youth is a golden age.

Similarly, youth is the most important capital of financial management. Celebrities often say to college students, "Young man, your name is wealth!" " "Because it is obvious from the compound interest formula that time is money and youth is wealth.

The compound interest plan gives us a clear financial career plan: when we are young, we should devote ourselves to increasing revenue and reducing expenditure and start investing, because the money saved when we are young contributes a lot to the wealth when we are old. In fact, when I am old and have some money in my hand, I will start to manage my money. It's too late because there is not enough time.

The correct concept is: investment is the job of young people, and how to make good use of wealth in old age. However, many young people often only pay attention to the enjoyment of life in front of them. When they have money, they will buy a sports car, an advanced stereo or travel abroad. They always think that they will enjoy themselves when they are young, and they will worry about financial management when they are old.

If you already know the role of time in financial activities, it is not difficult to understand that such people are doomed to mediocrity. In the real society, there are countless examples of poverty in old age because of the emphasis on enjoyment in youth.

The key is that you ignore the importance of starting financial management at a young age. When you get old, it's not only half the effort, but also too late.

3. How should I learn how to manage money? Plan ahead. Watching TV plays when I was young. I have always admired those girls who don't have to think about money. I wonder if my future life will be so relaxed and comfortable.

When I put on a wedding dress and marry you, from a person to a family, financial management becomes urgent and realistic. It's a good idea to budget our income, so you and I discussed many details of the plan.

That would be very painful. We must spend money according to the plan. Do you know what it's like to see something you like that you can't buy because it's not in the plan? Fortunately, I persisted.

So we had our first deposit. When we tasted the benefits of planning in advance, it became our regular activity to discuss the plan together every month.

I have always kept in mind a principle, that is, to ensure that every member of the family can be satisfied, can cope with all kinds of unexpected expenses, and can save some money to protect the future. You know, planning is not a constraint, but a purposeful use of money where it should be used.

It's no trouble to keep an account on the 95th. Bookkeeping is a good habit, which allows me to know my expenses clearly. I used to be lazy. I just made a rough record of my daily expenses, no matter where I spent them.

It turned out to be useless. When I want to save a little, I don't know what expenses can be cut.

So it's starting to get a little troublesome. Every expenditure is listed in detail, and the necessary expenditure and the amount of each expenditure are calculated at the end of the month. Draw a circle and indicate the proportions of all aspects. I can find many unreasonable places.

Bookkeeping is really cumbersome, but when I get into the habit, I don't feel troublesome. At least I know what I want to buy, what I must buy and what I can give up.

Item 96 Dealing with unexpected expenses Accidents are inevitable in life: temporary unemployment; Suddenly fell ill; Colleagues want to get married; The old man actually wants to eat ribs, which is absolutely unexpected when planning. Many financial experts warn young families to save at least three months' income if they want to cope with emergencies.

The advice given by financial experts is: despite the rising prices, as long as you save one tenth of your income every month, you can cope with all kinds of accidents and get economic comfort in a few years. Happiness may come from fantasy, and happiness will only come from reality.

Only by dealing with unexpected expenses can we prove that there is no money at home. A wife who has no financial problems is happy.

The 97th thing is to buy an insurance for my husband. "People say I have money and a lot of wealth. In fact, my real personal wealth is to buy enough life insurance for myself and my relatives.

Li Ka-shing, a Hong Kong tycoon, said. "If I can do it, I will definitely write the word insurance on the door of every household and in the handbook of every civil servant, because I am convinced that through insurance, every family can avoid a disaster that is beyond redemption as long as it pays a negligible price."

Churchill said. Today, I believe I understand the role of insurance, but the question is who to buy insurance for at home.

Many families are buying insurance for their children. In fact, you should buy insurance for your husband first, and you can buy insurance for others if you have spare capacity. Because the husband is the pillar of the family.

According to a public opinion survey conducted by asap, an educational savings media, the average monthly living expenses of Korean nationals are 6,543,800 won, of which the average amount spent on children's education is 60. 50,000 won, accounting for 36.

2%。 Respondents whose children are in middle school replied that children's education expenses account for 42% of the average monthly living expenses.

7%。 Many parents say that more than half of the money they earn in their lifetime is spent on their children's education.

Who wants children not to go to a good school because of money? The employment rate of fresh graduates from Korean universities is less than half. In order for children to seize the commanding heights as soon as possible, become top students, enter prestigious schools, go to the United States, and gain a foothold in the fierce social competition in the future, parents will spend millions of won to buy suitable teaching materials for preschool children and send them to various cram schools.

Where did the money come from? As parents who are responsible and obligated to their children, we must start saving for education as soon as possible. I'd rather not buy beautiful clothes, and I want my children to have no worries, so that you won't feel guilty because you can't give them a good educational environment.

The 99th thing to buy expensive things is to discuss. Jiang Junhao and his wife have been married for three years, and now they are getting divorced. There is a simple reason.

When Jun Hao said it, he was full of anger: "After I married her, I gave her the power to manage money. But she often buys a lot of things that I don't seem to need at all without consulting me.

For example, once I just gave her the money, and the next day I had something to discuss with her. She actually said that she had spent it and asked me if I hadn't seen anything at home. I don't object to her spending money, but at least let me know. What's the big deal at home? What matters is how to spend the money you earn. She didn't even discuss it with me. Where did she put me? "Yes, the husband has the right to know where his money has gone and what contribution he has made to this family.

For men, money can not only provide a stable and prosperous life, but also be a symbol of power. It is natural to spend money on your wife.

But when buying more expensive items, most husbands hope that their wives can discuss with him in advance and respect his opinions. The 100 incident suppressed the impulse to shop. When you come back from shopping, you will often find that many things you bought were only bought on impulse because of discounts, and you don't need them in your life at all.

There are also many people who liked it so much at that time and began to regret it when they bought it. More than 90 years ago, Kraepelien, a German psychiatrist, regarded "excessive shopping" as a disease, which means "price mania" in Latin. Blake, a psychologist at the University of Adelaide in Australia, explained that shopping makes some women sexy and excited, and shopping makes the brain secrete serotonin, which makes people feel happy.

Yes, I admit that shopping makes me happy, but it seriously disrupts the family spending plan. What I want to do is to resist this impulse.

Write down what you have to buy on a piece of paper and take it with you before you go out. Every time I am attracted by something else, I tell myself, "Buy something useful first, but.

I want to learn six habits in financial management.

Habit 1: record financial status. If you can measure, you can understand, and if you can understand, you can change. Without continuous, organized and accurate records, financial planning is impossible. Therefore, at the beginning of financial planning, it is necessary to record your income and expenses in detail. A good record enables you to:

1, measuring the economic situation-this is the basis for making a reasonable financial plan.

2. Effectively change the current financial management behavior.

3. Measure the progress of achieving the goal.

It is particularly important to note that in order to keep good financial records, you must also establish files, so that you can know your income, net assets, expenses, liabilities and so on.

Habit 2: Clear values and economic goals.

Knowing one's own values can establish economic goals and make them clear, definite, true and feasible. Without a clear goal and direction, it is impossible to make a correct budget; If you don't have enough reasons to restrain yourself, you won't be able to achieve your desired goal in 2, 20 or even 40 years.

Habit 3: Determine the net assets.

Once the economic records are made, it is easy to calculate the net assets-this is also the way most financial experts calculate wealth. Why should we calculate net assets? Because only by knowing the annual net assets can we know how much we have made progress towards the goal.

Habit 4: Know your income and expenses.

Few people know how their money is spent, or even how much income they have. Without this basic information, it is difficult to make a budget and arrange the use of money reasonably. If you don't know where the money should be spent, you can't reasonably change your consumption.

Habit 5: Make a budget and refer to its implementation.

Wealth does not mean how much you earn, but how much you still have. It sounds that the budget is not only boring and tedious, but also seems too artificial, but through the budget, you can find out where a lot of money goes in your daily expenses. In addition, a specific budget is very beneficial for us to achieve our financial goals.

Habit 6: Cut expenses.

At first, many people complained that they could not invest more money to achieve their economic goals. In fact, the goal can not be achieved by a lot of investment. Cut expenses and save every dollar, because even a small investment may bring a lot of wealth, such as saving 100 every month. What is the result? If you start investing at the age of 24, you can earn 10% every year, then at the age of 34, you will have 20,000 yuan. The longer the investment time, the more obvious the effect of compound interest. As time goes on, the benefits brought by savings and investment become more obvious. So the earlier you start, the more you save, and your profits will multiply.

The above six habits can help us start our own financial life. A good beginning is half the battle.