Monthly Income Of 3000 Yuan Financial Management: Consider Investing In Treasury Bonds And Open-End Funds

First, we should finish.

Let's talk about accounting.

Every account should be recorded effectively.

A little cleaning of your account before going to bed every day will be forgotten for a long time, and the expenses you will forget will only be included in the reconciliation expenses.

Bookkeeping should be divided into categories, such as life, pportation, communications, leisure, education, medical care, other extra expenses, etc., at the end of the month to calculate the expenditure and proportion of each category.

Through bookkeeping, you can find out which part of your consumption is more, so that you can control at the next time.

Income can also be recorded.

Try to control the bulk consumption and reduce the extra expenses. If your husband has a hobby of smoking and drinking, it is best to control; if you have the hobby of consumption, then you should take the "less and better" route to the fairies.

If you have a good interpersonal relationship, you often go out to dinner with your friends. You can choose AA or round Zhuang, or lengthen the cycle.

Of course, money management is not just about spending control, but it also needs money. Gyjgj393 also needs to accumulate some capital for financial management.

My opinion is compulsory.

At this time, you can consider buying another endowment insurance, and the social security of the unit is not enough.

Choose a good insurance company and an insurance company.

Of course, mandatory savings will continue every month.

As your savings increase, savings can start to change.

At the same time, we can consider treasury bonds and some stable open-ended funds.

The following is the monthly expenditure, for reference only, because I do not know the price of Xi'an.

Monthly income of around 3000, after mandatory deposits of 500 yuan, there are still 2500 yuan left.

Because they have their own accommodation, they do not have to pay rent, and water electricity is estimated to be around 600.

The cost of living is estimated to be around 1000. You can eat at home most of the time, so that consumption will be reduced a lot.

900 yuan daily, 100 yuan can be used for outgoing consumption.

The cost of communication is 200 yuan, 100 yuan per person per month.

My classmates only spend about 50 a month. I don't know how your consumption is.

The pportation cost is 500, 250 yuan per person per month.

Newspapers and magazines are 30 yuan per month, and newspapers do not need to buy them everyday.

Other clothes, such as an average of 170 yuan per month, you can choose to spend 2-3 months.

I do not know whether such a distribution is in line with your actual situation, only for reference.

If the deposit is chosen for one year, the annual interest rate will be 1.71%, 500 per month, and the total principal and interest rate will be 6082.08 in one year.

This can be taken once a year, but the deposit rate is low.

Choose 500 deposit per month, deposit for 3 months, automatic pfer at maturity, 1.71% interest at 3 months, and 6.84 yuan after tax.

In this way, there will be a maturity deposit every month after 2 months.

When the family is more adequate, the deposit period can be extended appropriately.

I also think your card doesn't need to open so much. It costs too much and it costs a lot of annual fees.

I think you probably won't invest in some risky financial projects in your character, so demand, regular, treasury bonds, funds and insurance are the investment projects you can consider.

You can leave about 2000-5000 of the existing time to be available at any time.

You can also adjust your demand deposit according to your own situation, and do not limit it to this range. The proportion of current occupancy is not what you want, nor is it your proper way of managing money.

If you want to train any item and charge yourself, you can use this part of the money.

There are different deposits on a regular basis. Most of them will be stored for one year (for example, if you have 10000, you can save two 3000, 4000 or two 5000 or 10000). The small part will be stored in three or 500 months according to the share of 500 or 1000.

If you keep less money in your current account, you can deposit more money in three months, so that even if you need enough money to withdraw enough shares, others will be able to earn interest in the bank, and the interest loss will not be too great.

Treasury bonds are not taxed.

But now there is less and less profit space.

You can also consider investing, because your money has balance every month, so you will have a large proportion of your time deposit in a year, and it will be a good choice to consider buying some treasury bonds at the end of the year.

But treasury bonds are very good, so sometimes they will not be able to buy them.

Finally, if you still have some money, you can consider buying some open-end funds.

This generally requires medium and long-term investments, and short term investments may not be enough to earn enough money to go away by the fees and so on.

General fund investment requirements will be more than 1000 yuan, you can choose the investment below 5000 yuan to try.

Specifically select what funds, you can buy some financial magazines to see, or look at the Internet.

If you still feel the risk is great, you can give up.

Young people can still take some risks in their growth.

Insurance can choose an endowment insurance. Whether you have social security for the elderly or not, I think it is necessary to make another one.

You can also choose bonus insurance.

But the insurance time is longer. You have to choose carefully and read the terms clearly.

Insurance companies should also choose.

Who seems to have hung the red card recently?