The monthly salary is only a few thousand dollars. How to manage money is better? Who can tell me?

How to choose a financial management method when you only earn xxxx yuan a month?

Since doing financial consultation, this is the kind of question that most people ask. If you feel that your self-control in financial management is not good enough, your knowledge reserve is not enough, or you want to improve your knowledge in financial management more advanced, I recommend a reliable course "financial management training camp" from the beginning: limited time special offer! "Financial Training Camp" and like-minded people learn financial management efficiently!

Today, I will talk about the practical and efficient financial management methods of wage earners.

First, make more deposits.

Then, the first step in financial management is to deposit. Saving your first money and then investing it is the correct way to manage money.

I want to introduce you to the 52-week savings method-a way to ensure that you 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, saving 10 yuan in the first week is too simple for quite a few people. You can start at 100 yuan, or you can start at 1000 yuan directly.

How much money to save depends entirely on everyone's personal situation. You can save more balance and less balance.

In the process of saving money, the amount target should be appropriate, don't stop halfway, and don't take out the money halfway.

You think it's too hard to save money like this, so you can take out a sum of money you want from this part of the deposit every month, so that your luxury dream can be satisfied and you can manage your money easily 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 use idle money. When money is badly needed, it will be embarrassing not to use it.

But what if there is not enough money in hand and no spare money to invest?

If you are troubled in the world, then you absolutely need this investment method-twelve investment methods.

The so-called "Twelve Investment Law" means to set aside a sum of money every month to invest in a fixed-term investment product, which can get the best harvest and insist on fixed investment.

If you persist in this way, you can save a sum of money every month and manage your finances correctly. After one year, in addition to receiving interest, you will also receive a principal every month.

At this time, if you want to use a lot of money, you can get the principal that has been paid or will be paid to achieve your goal.

If you are not in a hurry to spend money, the principal and interest together with the budgeted investment amount can be used for reinvestment.

This method is effective for investment funds and bank wealth management products.

Third, how should I manage my money?

Although there are many different financial products in the industry, the basic theory and selection skills are the same. For those who don't have much liquidity, you can try the following methods.

The first step, of course, is to focus on normal living expenses, that is to say, to ensure sufficient liquidity in life before managing money. According to the general situation, it is recommended to keep the living expenses for three months.

This money can be put in a money fund, such as Alipay's Yu 'ebao or Tencent's change pass.

With ample funds at hand, the rest can be used for investment.

Although different classes of people will have different money in financial management, there is no difference in the choice of working-class people. Ordinary people's financial management methods are mainly bank financing, funds, stocks and gold.

The risks in financial investment also affect people's specific allocation of each financial management method. The risk levels are as follows:

Stock > stock fund > gold > bank financing > money fund, the higher the risk, the higher the income.

Among them, stock funds belong to floating income wealth management products, and the reason why they can't be compared with fixed income products of the same dimension is that their income and risk are in direct proportion, and the risk of fixed investment of funds can't be compared with stocks, so the risk is lower.

For investors, the proceeds can be used to invest in high-risk wealth management products such as stocks and equity, and investment in gold can be used to avoid risks.

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.