I always feel that I am not good at managing money. Do you have any money-saving tips to share?

Financial management is a process of integrating existing resources. Therefore, financial management is a "process", which is always clear. If you want a smooth process, you must do things in a planned and targeted way. Everything is done as planned, otherwise there is no way to stick to it.

How to make a financial plan? You need to do at least the following five things:

You need to analyze your current situation, and it is recommended to use bookkeeping, otherwise you can't plan the funds in your hand. Because a clever woman can't cook without rice.

Set yourself a small goal, because the financial situation is different, so you must consider it according to your actual situation. But at least know what you are going to do next. For example:

Make a plan for the goal. Once the goal is determined, the next step is unswerving implementation.

Remember: observe discipline.

Many people don't know how to manage money or often lose money, that is, they have no plans.

I always want to make a lot of money, but there is nothing to repeat. I often can't even catch small money.

Masters who keep winning performance in the capital market have their own investment strategies and implementation plans, and have never seen an operation method that can make money comfortably by buying and selling casually. If someone says this and performs very well, it must be untrue.

The problem to be solved in the implementation is to make money with small money, and there is no other way. You can consider "fixed fund investment", which is very suitable for ordinary people to participate.

However, the fixed investment of the fund is "risky"!

For friends who don't understand or know, you can either find the staff of banks or brokers or watch my video study. (Free takes time to sort out ideas through various information; *** 15, a paid drama series, focusing on the problems that need attention in the fixed investment operation, which can save time)

Adjusting investment while doing is a technology and an art, and the details need to be constantly adjusted.

For you, it is recommended to start with saving money; Consider buying some wealth management products; In order to avoid a big hole in funds in the future, we must consider the allocation of insurance products; If you can bear the loss of principal, you can consider buying high-risk products, such as funds, precious metals and stocks.

Choose for yourself, this thing can't be persuaded.

In short, while operating, while adjusting.

All in all, financial management needs to consider your own situation comprehensively, not just focusing on local problems. Of course, in the case of limited funds, it is more necessary to be far-sighted in doing things. We should think comprehensively, focus on operation, step by step, and create our own spiral channel.

Hello, I'm Sister Xiaoxi.

I always feel that I am not good at managing money. Do you have any money-saving tips to share? If you can't save money, you can look at these tips! Pro-test is effective:

1, buy a fund and make a fixed investment.

Buying a fund and investing in it to save money is still relatively controllable. You can make a fixed investment every month on the payday, with a one-time fixed investment of 500- 1000 yuan, which can be fixed for 2-3 years. It is a good deposit and can still generate income.

2. Alipay spends a sum of money.

This function is quite good, as long as you spend a sum of money, you can save a sum of money and control your consumption. You can set up your own fund in advance, for example, you can deposit 50- 100 yuan at one time, and you can deposit it directly as long as you spend a sum. Basically it doesn't matter.

3. Save 10% salary.

This method is widely used by younger sisters. In order to prevent her from spending money indiscriminately, she specially set up a bank card without online banking. On the day of payday, the money to be saved must be saved first, but this needs to be budgeted in advance.

Even if it costs money, you have to go to the bank or ATM to withdraw money. If you find running difficult, you will control your expenses.

4.52-week deposit method, also known as stepped deposit method, divides the whole year into 52 weeks and deposits a sum of money every week, but the deposit amount should be increased every week.

According to the 52-week deposit method, the accumulated deposit amount for one year is:10+20+30 ...+520 =13780 yuan! It is not difficult to save tens or hundreds of dollars a week. As long as you stick to this method for a long time, you can save more than 10 thousand a year, and this amount has not taken into account the deposit income, so it is still very good!

The deposit amount of 52-week deposit method is not fixed. If the small partners have sufficient funds on hand, they can choose to set the initial investment and growth amount higher, such as depositing in 20 yuan every week and increasing 20 yuan every month.

Investors can make a 52-week savings challenge table and fix the amount they need to save each week. After completing a week's task, they will cross out a week until they have saved 52 weeks.

Sister Xiaoxi reminded me that the 52-week saving method is mainly to save pocket money to achieve the goal of many a mickle makes a mickle. Therefore, when setting savings targets, we should do what we can according to our own financial situation to avoid giving up savings because the accumulated amount of deposits is too high.

5.365-day deposit method means that a small partner deposits a sum of money every day, and the deposit amount is increased from 1 yuan to 365 yuan, for example, the first day 1 yuan, the second day 2 yuan, and so on.

Of course, the small partner still has to choose the amount corresponding to a certain number to make a deposit according to his own fund situation that day, but each amount is only used once a year, which means that the daily deposit amount will not be repeated within 365 days.

For the convenience of operation, friends can prepare a form filled with 365 numbers in advance, save one number and cross off one, until all 365 numbers are saved one year later, even if it is completed. According to the 365-day deposit method, the annual deposit amount is:1+2+3+4 ...+364+365 = 66795 yuan.

However, there are also feedback from small partners that their total annual salary is less than 66,795 yuan. How do they save money in this way? In fact, the deposit amount of 365-day deposit can also be adjusted. For example, if the deposit amount is set to 0. 1 RMB -36.5, the deposit amount can be 0.1+0.2+0.3+0.4 ...+36.4+36.5 = 6679.5.

The second is that monthly savings can be deposited as bank demand deposits or in products such as money funds. At present, the initial investment of the money fund is generally 0. 1 yuan, and the risk of the money fund is relatively low and the income is relatively stable.

Speaking of saving money and managing money, I really have a few tips to share with you. Can be used alone or in combination, depending on my own situation.

0 1. Good at managing money with small change, many a mickle makes a mickle.

You can put all your monthly expenses in the Yu 'ebao and use them by scanning the code or transferring cash, so that you can generate interest income when the money is not used.

My Yu 'ebao account has accumulated interest of 1000 yuan over the years.

At present, the annualized rate of return of Yu 'ebao in seven days is 2.04%, which is equivalent to the annual interest income of 1 10,000 Yu 'ebao of 206 yuan.

02. Compulsory savings, purchase one-year regular financial management.

If you can't save money all the time, I suggest you take out part of your salary every month and buy one-year regular financial management directly. You can save money by taking it out when it expires.

Alipay's one-year regular financial management generally yields more than 4.5%. The only thing to consider when buying regular financial management is that it cannot be redeemed in advance without maturity.

The equivalent of 10000 yuan is used to purchase the one-year regular wealth management income of 450 yuan.

03. Buy bond funds to realize long-term compound interest.

If you are going to invest and finance for a long time, it is recommended to buy a bond fund. If you hold it for more than five years according to the historical rate of return, you can achieve an annualized rate of return of 6% on average.

I don't want to manage my money, so I don't need money for a long time. It is recommended to buy bond funds directly.

It is equivalent to 10000 yuan to buy a bond fund, and the annual interest income is in 600 yuan.

In short, financial management is a long-term process of compound interest and appreciation. The sooner you start to compound interest, the longer it takes, and the higher the income you can get from Qian Shengqian.

Don't stop managing your finances just because you invested too little money at first. Taking care of your money is equivalent to giving you an extra source of income.

Divide the money into three parts when you pay your salary.

The first part, as long as you don't lose your job, the amount of compulsory savings every month is unchanged. Anyway, this part is up to me, and I suggest paying more than half of my income. When the money arrives, you can buy regular financial management for one month, half a year or even longer at Alipay. Because you can't take it out at any time, as long as you don't redeem it within the time limit, he will automatically buy the next issue, and it seems that there is interest every day. This interest can offset your daily transportation expenses. The number is increasing steadily every month, so we can figure out how much it will increase in the future. really

The second part of the basic expenses, calculate the basic expenses that must be spent every month, such as transportation, telephone, meals and so on. This calculation should be based on the lowest and most basic, that is, the lowest monthly basic expenses I put in Yu 'ebao, and there is no interest auxiliary tool: bookkeeping! ! Every expenditure is recorded in the accounting software. Don't be afraid of trouble! After a long time, it is clear at a glance that if you can at least do it all the time, it shows that you are controlling your consumption desire and reducing unnecessary expenses and consumption, then you can naturally save money.

The third part of the total income of the flexible fund minus the first part and the second part is the flexible fund that can be started. This part of the recommendation is directly put in the salary card. When the second part is overspent (not too much), you can transfer it out at any time, or invite friends to eat and buy things. These extra expenses are used from this part. If not, keep it in the card and use it all the time. Don't worry too much.

In short, if you want to save money, you must allocate funds, plan ahead, and control your consumption desire (don't be too hard on yourself, but save). You must not spend it in advance! ! ! Do your best! Of course, the most important thing is to find ways to increase income, hahahahaha, open source and reduce expenditure.

There are many theories about how to save money and manage money in textbooks, such as bookkeeping, latte factor, 365 saving method and so on. All these theories can be called methodology. If a person realizes that he needs to save money, he still can't save it. Personally, I don't think it's a question of method, but a question of self-discipline.

Just like a person saying that he wants to keep fit, there is no need to hire a fitness instructor at first. As long as you keep running and playing ball, you can also have the effect of strengthening your body. This is to save money. Saving money is the first step in financial management. As for whether to slim down or practice vest line in the future, you can study systematically again. This part is equivalent to appreciating the money you have saved.

Therefore, the first step is to solve the problem of self-discipline. The core of saving money is to consider how to overcome the weakness of human nature, because saving money is against human nature. Since the baby, we like to drink today and get drunk tomorrow. From my own experience, I was also a moonlight family when I worked for the first three years, and the only money left was the provident fund, because I really could not spend it. A month 1000 is more than ten thousand in three years, so most people here will say that compulsory saving is really the most effective. It is very rare to overcome your inertia by your own consciousness. The subject has the idea that your frugality has the upper hand at this moment, but we can't expect rational consciousness to always overcome the idea of spending money, so we need to do something when we are awake, so that we can't spend money when we are lost.

There are many ways to force savings. When I was a child, our piggy bank was forced to save, but as adults, it was naive, and the fund fixed investment was the most effective way.

First, because the fixed investment of the fund is an investment that needs long-term persistence, it may be a loss in the short term, which will reduce your impulse to spend it.

Second, the long-term profitability of the fund's fixed investment is very good. After tasting the sweetness, the high return of this kind of savings will stimulate the motivation to continue saving.

Third, don't worry about the fixed investment of the fund, the money will be automatically deducted, and you don't have to do complicated psychological struggles every time.

People with clear goals need to be motivated, which is not essentially different from animals. When a monkey falls, there will be bananas to eat, and people's hard work must be rewarded. Otherwise, who will work? The purpose of saving money is not to save money, but to get happiness, just a means to make happiness bigger and more evenly distributed in different ages.

My personal opinion is that saving money should not be too extreme, and we should find a balance between saving money and consumption. My grandparents' generation is particularly fond of saving money. An old neighbor woman saved money for decades, and when she died, her family dug out more than 1000 yuan from her locker, which is the kind of old paper money that has withdrawn from circulation. This money may have been valuable when she was young, but after so many years, it has been spent. I don't mean to advocate consumerism, I mean to save money in a controlled and targeted way. For example, how much will it cost to get married in three years, how much will you earn now, and how much will you save every month. There must be a clear plan, and things with phased goals will have the motivation to do it. These phased goals are to reward yourself with bananas.

So saving money is not that complicated and does not require too many theories. As long as we set clear goals according to human nature and force savings. It is against human nature not to try to save money by consciousness. You will lose badly. After all, most people are not great men.

In the asset allocation of modern people, the debt structure has increased significantly. Not to mention saving money, you can beat most people even without debt. So what are the specific ways to save money? Let me give you my opinion.

Compulsory savings-the simplest and most direct way, as the name implies, compulsory savings is to forcibly store part of your own funds. If you feel stiff and boring, set yourself a goal. Save 65438+ 0/3 of salary every month, or 10 yuan every week and 20 yuan next week. By analogy, there are more than 50 weeks in a year, and the last week can be deposited in 500 yuan, so that the accumulated account can be deposited above 10000. Isn't it a little exciting?

Accounting-knowing your income and expenditure structure is a simple word that many people can't do. In modern life, we don't feel much when we spend money on a certain software, in other words, it has little influence on ourselves, so it is not easy to control. Sometimes you spend too much money unconsciously, or you owe so much money for your flowers.

At this time, we need to develop a good habit called bookkeeping. You can see how much you spend and summarize it once a week or once a month. I'm sure you'll be surprised when I do this.

Not only is it bookkeeping, but also some unnecessary expenses are cut off in the process. Later, you will find that your life has become self-disciplined, and money will naturally be saved.

Investment-strengthen savings or increase the value at the same time to put money into the capital market, just like you have been taking money to buy bonds or closed-end funds, how long can you not take it out, similar to compulsory savings. Or invest in a fund, monthly or weekly. As long as you persist, you can not only achieve the purpose of saving, but also increase the value of your money.

Financial management is a lifelong matter, you can take your time, but you must have this awareness. It will be very important to manage your own assets in the future. If you understand this, you will surpass most people.

I'm glad to answer your question.

Everyone is eager to get wealth, and with wealth, the value of life will be better realized. The accumulation of wealth depends not only on one's own labor and skills, but also on the necessary financial management skills, so that Qian Shengqian can "ignore you without financial management".

First, determine the wealth goal. No matter what you do, you must have a clear goal, and so is financial management. Short-term goals such as how much money you need to save every month and how much money you need to save every year. Long-term goals are like how much wealth I should have by the age of 30 and what kind of life I should live by the age of 50. With a goal, it is equivalent to having a clear direction and banner.

Next, open source and reduce expenditure to maximize the accumulation of principal. Ensure the stability of your main business, and then have extra time and energy to learn more and accumulate more, keep up with the development of the times, and choose the right reality to open up sideline business. In terms of expenditure, there should be a plan to reduce unnecessary expenditure.

While accumulating the principal, we should allocate savings or investments with different risks according to different proportions, so as to diversify the investments, and don't put eggs in the same basket. For example, 50% of the family's funds are used to buy bank deposit certificates, and the risk is minimal; 30% of the funds are used to buy government bonds; 20% of the funds are allocated to high-risk and high-yield stocks or equity funds. The skills and timing of buying stocks or funds need to be better grasped through learning.

This is not enough. Insurance is also an important part of family financial management. It can resist the uncertainty of the future and put a safety lock on family property. Common types of insurance include accident insurance, critical illness insurance and medical insurance.

The scope of financial management is very wide, which is difficult to explain at the moment. But saving money is relatively simple, because saving money is the basis of financial management, and many people start with saving money.

There are many ways to save money, but there are two most important ones:

First, you really want to save money and have a clear goal. For example, I want to save enough 50 thousand yuan for a romantic trip and so on.

Second, you can make some sacrifices and efforts to save money. For example, you are used to drinking Starbucks coffee twice a week. When you really start saving money, you should be prepared to sacrifice this habit.

Saving money starts with bookkeeping. Many people spend their earned money, but they never know where to spend it, let alone what to spend and what not to spend.

Bookkeeping can solve this problem well. I used to spend four or five thousand yuan a month, and I don't know where the money went. I think every sum of money should be spent.

After bookkeeping, I found that I spend a lot of money on drinking and eating among friends every month, almost 2000 yuan a month.

Bookkeeping allows you to discover the consumption habits in your life, find out the specific problems and correct them.

Many people fail to save money repeatedly because they take saving money too casually. One month's salary is paid down, first in buy buy, then at the end of the month, see how much is left and save it.

It doesn't seem to be a big problem, but by the end of the month, many people have often spent all their money, so it is impossible to save money.

Therefore, if you want to save money, you must deposit the money you intend to save in a specific account at the first time when your salary is discovered, and you can't use it at will.

Remember: income-savings = expenditure, not income-expenditure = savings. This order is very important. Save the money first and use the rest for expenses.

Make a simple expenditure budget. Remember, the control of the expenditure account is very important and cannot be specious. I've heard such a thing before. A friend's new house decoration, the original budget is 200 thousand, which is his psychological price. But in the process of decoration, there is no control over the budget, and everyone wants to use the best materials. As a result, they finally spent nearly 300 thousand.

If the expenditure budget is not controlled, the consequences will often be very serious.

In fact, financial management is planning assets. If you want to save money, you can use the following tips first.

1. Reasonably plan income and expenditure.

Plan your income and expenditure reasonably, such as monthly salary and basic expenditure. Let's see if there is a monthly surplus. If there is no surplus, let's see what causes it, whether it is our own consumption habits or the short-term study now. If it is unnecessary and unreasonable, it needs to be reduced to make personal income and expenditure know fairly well.

2. Compulsory savings and financial management.

After planning your income and expenditure reasonably, according to the actual situation, I suggest that you take out a sum of money to deposit every month, which can be used as a fixed investment fund, and try to do it every month. Only when it is urgent and necessary can you know how to use this money.

3。 Reasonable use of credit cards, flower beds and other credit accounts

Although many people think that credit cards and flower beds lead to increased consumption, it is because they have not planned their own income and expenditure and have no restraint. Credit cards and flower buds generally have interest-free repayment for about 50 days, of course, this time is determined according to your repayment date. If you plan rationally and spend wisely, credit accounts such as credit cards and flower buds will give you a financial management period, so that your cash can be bought as a money fund or saved for financial management, and it will not be paid back until the repayment date, which is equivalent to using bank funds without interest. Of course, the premise is that you should be rational and reasonable, and you should not spend impulsively or rashly.

Improving yourself is the best financial management. Saving money when you are young is not the most important thing. The most important thing is to increase your knowledge and learn to invest in yourself. This is the most important financial management.

Every stage of life has different requirements for financial management. I personally put forward some views on each stage for your reference.

In the first stage, I started to work after graduation until I was 30 years old. Just graduated from work, try to take out hundreds to thousands of fixed investment funds from the salary surplus every month. It is best not to affect the quality of life. You can choose to invest in bond funds at first. If you catch up with the big bear market, you can choose to start investing in equity funds. Index fund is the best choice. In fact, it is equivalent to forcing yourself to save money. If the fixed investment fund catches up with a bull market, it will sell more than half of the fixed investment stock funds. The sold funds continue to choose fixed investment bond funds. In this way, you can save tens of thousands to hundreds of thousands of funds around the age of 30.

The second stage is about thirty to forty years old. Try to help you buy a wedding room with the money you have saved or your parents and relatives. Try to buy a house with a loan for 30 years. Moreover, the real estate should try to choose cities above the second tier, mainly to solve various functions such as education, medical care, employment, and combating currency depreciation, and try to use up the provident fund as much as possible. In addition, as far as possible to buy a medical insurance for relatives, as a supplement to medical insurance, in case of emergency.

The third stage is between forty and sixty years old. Mainly for the next generation, consider changing to a bigger house and continue to invest.

In the fourth stage, I will continue to make a fixed investment for my own pension.

Therefore, in fact, the financial management of a person's life is summed up as a fixed investment and two suites. Maybe people with plenty of time can consider stock trading. Fixed investment in stock funds is stock trading, and the success rate is higher.