Personal Finance Focuses On A Word "Qiao".

Nowadays, more and more people begin to attach importance to individuals.

In the first class, we invited Sun Manli, the financial manager of the Chengdu branch of Jinjiang branch of the Bank of China, Hongji Road, to deal with the financial center. In her opinion, your willingness to manage finances does not mean that you can manage your finances well. The key is to grasp the mystery and focus on the word "Qiao".

We must learn to use "ingenious" strength.

At 7 o'clock last Friday, the 10 branches of the Hongzhi Road branch of the Jinjiang branch of the Bank of China ushered in more than 10 enthusiastic citizens, including couples and children aged 10.

Here, they will listen to Sun Manli about "lucky money" and

Before the lecture began, Sun Manli threw out a multiple choice question. If we want to sort out the happiness index of the four groups of "unmarried women, unmarried men, married women, married men", what is your choice?

As a result, the participants who answered the questions gave quite different answers.

Taking this multiple-choice question as a case, Sun Manli told everyone here that different people had different views on the same issue from different angles, and so did financial management.

You do not manage money, money does not care about you.

However, if you make a fortune, will money be able to rationale you? The answer is No.

In her opinion, financial management must pay attention to skills, and learn to use various tools rationally. Only by working hard on "skillful" words can we really manage the good fortune.

It is impossible to make good fortune without knowing economic indicators.

What is money management? That is to make your wealth effective and value added.

Sun Manli said, if you do not understand the economic indicators, do not understand the meaning behind the economic data, then you will never be able to make good money.

Step one: look at economic data skillfully.

For ordinary people, interest rates and CPI are the most familiar and most concerned economic data.

On the first day of the new year's work, the central bank raised interest rates, and there was an increase in the bank's earnings. However, when the 4.9% increase in CPI was announced in January, we should understand that saving money is not cost-effective.

Sun Manli said, whether saving money is cost-effective is closely related to interest rate and price level. When the deposit interest rate is lower than the price increase, it means saving money is not cost-effective. If you just pursue the deposit income and ignore the price increase, your financial management is not perfect.

The second step: interest rate adjustment.

Every interest rate increase will bring changes in deposit earnings, and many people will rush to go to the bank to handle the pfer. Sun Manli cautioned that not every time deposit is suitable for deposit after raising interest rates. If you do not have a good time, you may lose interest.

The third step is to learn economic indicators skillfully.

Here, she mainly talked about "inflation" and two common indicators of CPI.

Through a detailed interpretation of a case, Sun Manli wants us to understand that price increases will bring about a decline in your wealth. When CPI rises more than 3%, inflation will come. Over 5% means that we are facing serious inflation.