How To Manage Money On Singles Day? No "Bachelor" Or "Double Eleven" To Find Financial Style

< p > November 11th "< a href=" http://sjfzxm.com/news/index_cj.as > Singles Day < /a > will be there soon.

How can you plan for the future? Learn a few tips for single financial secrets, try to find your own "Bachelor's financial style", manage your finances scientifically, plan rationally, and make preparations for future happiness! < /p >

< p > A < /p >

< p > < strong > [single Style]: workplace new rookie < /strong > /p >

< p > < strong > controlling shopping desire and accumulating funds < /strong > /p >

< p > for the newly recruits and single groups who have just joined the work, the income is not high and the cost is not small.

Seeing the arrival of "singles day" in November 11th, shopping malls have launched discount activities, and many new "singles" shopping desires are starting to stir up.

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< p > for this, financial experts remind: singletons should plan their life carefully, especially when they enter the workplace, there are no new job people to control, desire to control shopping, and hard accumulation of funds is the first choice to enter the rational financial life.

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< p > "if you want to manage your finances, you need to have funds first.

Therefore, for the new people in the workplace, it is the kingly way to accumulate capital.

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< p > how to accumulate? Financial planners think that we should start with the following aspects: < /p >

< p > first, from the beginning of bookkeeping, learn to make budget.

Download a bookkeeping software on your cell phone and spend a minute every day.

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Spend 15 minutes at the end of P to analyze various bills, find unreasonable expenses, improve next month, and gradually learn to control daily consumption.

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< p > secondly, develop your own savings habits.

The premise of financial management is to stabilize our savings rate, even if the amount of savings initially started is small.

It is suggested that the rookie can choose to use "snowball" to save money, and deduct part of the funds from the wages every month, which is used for regular savings, and 12 certificates of deposit accumulated in one year can be included in the next deposit cycle.

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< p > finally, the fund will invest and save money.

Go to the bank to invest in the fund, and invest a portion of the money each month to invest in two or three growth funds. Stick to investment, accumulate a lot of money, and make good capital reserves for future marriages and unexpected emergencies.

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< p > B < /p >

< p > < strong > single Style: the workplace is light, /strong < /p >

< p > < strong > actively try to accumulate investment experience < /strong > /p >

Xiao Yun, P, aged 27, has worked for five years. With some accumulation, she regrets that she is still alone.

In other people's eyes, Xiao Yun is a single noble who has certain savings. There is not much economic pressure, but houses and cars are still far away.

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< p > > for this reason, < a href= "http://sjfzxm.com/news/index_s.asp" > financial management < /a > people say that small businesses like Xiao Yun have accumulated a certain amount of investment funds in their hands. They also have a basic understanding of financial affairs, and even have some investment experience.

But the workplace and emotional status of the group are still at an unstable stage, so various kinds of expenses are also increasing.

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< p > How do you make good investments in light young women? < /p >

< p > experts believe that the "bachelors" at this stage should try to invest in different types of investment when they invest money.

Mainly from the following aspects: < /p >

< p > first, we must continue to make mandatory savings in the form of fund allocation.

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< p > secondly, we can try to invest about 40% of assets in bank financial products and buy some long-term, medium term and stable banking products.

Relative to the fund and stock investment, because the risk of bank financial products is relatively small, now the bank financial products purchase point is generally 50 thousand yuan.

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< p > again, configure insurance products.

Besides social security, some commercial insurance can be purchased, such as the purchase of multiple life insurance policies with low premiums and high insurance coverage, and the lower the purchase cost of life insurance products, the more must not forget to purchase accident insurance products for themselves.

Single people need more self-protection.

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"P" finally, let the change of the hand of the change, to small volume.

The monthly cost of living is always a gradual process. It can buy money fund at the expense of living temporarily. When using money, you can use credit card consumption, and you need to redeem money one day in advance.

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< p > C < /p >

< p > < strong > [single Style]: 30 years old left male left female < /strong > /p >

< p > < strong > reasonable allocation of investment big upgrade < /strong > < /p >

Xiao Cai, P, aged 31, is deputy to a business department of a large enterprise.

People are limitless, but the pressure of work is enormous.

Although the income is stable, the career prospects are bright and the room for growth can be expected, however, the emotional problems are not yet available.

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Last year, Xiao Cai just bought a house, and now he has nearly 4000 yuan of mortgage pressure every month. It almost uses half of his monthly salary. P

Xiao Cai said that with the constant adjustment of his work, his personal configuration also needs to be upgraded. Fortunately, the work clothes are basically wrapped by the company, but even so, when going out to make big customers visit, they also need a lot of head office configuration.

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< p > Xiao Tsai is counting fingers: watches, cell phones, belts, purses, handbags, neat shirts, clean and stylish hair...

All these are for money! Besides, there are more and more kinds of business entertainment, which is not a small expense for him.

Xiao Cai said he plans to configure a car for himself next year in order to make the work go up to a new level.

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< p > "Xiao Cai spends a lot, but from another angle, it is part of his self investment."

Because these investments may eventually return to him in other ways and channels. "

Xue Yingying, a financial planner, said that for the remaining men and women in the age of 30, the workplace was gradually stable, but the competition became more and more intense. The house was basically settled, but the pressure of housing mortgage, which was often needed for more than 20 years, could not be ignored.

Like Xiao Cai, knowing how to invest himself is also a good choice.

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< p > of course, we need to intensify our efforts in < a href= "http://fz.sjfzxm.com/" > capital investment < /a >.

According to Xue Yingying analysis, investment in this age group needs to pay more attention to asset allocation, increase the proportion of venture capital, and strengthen insurance protection.

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< p > first, learn to match assets and invest risks in a long-term way.

Don't put your money in the same basket, and the same is true for financial management.

It is suggested that Xiao Cai replan his monthly funds and remove part of the fixed investment, including fixed investment and fixed investment, such as fixed fund investment and gold fixed investment. Such investments are long-term investments with stable returns and low risk allocation.

The advantage is that on the one hand, a small amount of money can be used to gain higher returns, and on the other hand, it can overcome inflation and avoid less money in hand.

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< p > secondly, try high end financing.

At the age of more than 30, the remaining men and women generally have some investment experience. When replanning their finances, their investment structure also needs to be upgraded. After reaching a certain number of assets, they can enter a higher level investment field, such as trying to trust financial management and starting a higher bank financial products.

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< p > finally, in addition to tens of thousands of demand deposits as emergency funds, the remaining money can also invest in other types of products, such as funds and stocks, so as to share risks and multiple profits.

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< p > D < /p >

< p > < strong > [single Style]: "run four" group < /strong > /p >

< p > < strong > strengthening protection and expanding investment level < /strong > /p >

< p > Li Li is 38 years old. He went to graduate school after graduating from university. He studied doctor and degree after graduate student. But his emotional problems dragged on.

After several years of hard work in the workplace, the work has finally stabilized, but the age also needs to "run for four".

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< p > at present, there are two sets of big Li house and several funds.

For him, marriage is important, but he has to plan for life after becoming an old bachelor.

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How do we manage the "Bachelor four" and the experts believe that the single group of this age group should first strengthen the insurance protection, and try some risky investments on this basis. P

Specifically, we can start from the following aspects: < /p >

< p > first, live within our means.

For a single group of people who are hungry and full of food, it is easy for money to disappear.

Where did the money go? You may not be able to say it at all.

But if you are 40 years old, you need to reflect on it.

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The old age pressure of "P four" has gradually emerged, and it is necessary to save money and prepare for old age.

And the first step to save money is to live within our means and increase revenue and reduce expenditure.

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< p > secondly, configure insurance products and raise the level of protection.

I believe that many "Ben four" singles can't help asking themselves, "can I still find the other half? If no one is accompanying you through the rest of your life, then you need to strengthen self-protection."

From the point of view of risk selection, it is suggested that the old-age insurance and serious illness insurance should be mainly allocated. Besides, health insurance and accident insurance should also be kept up, and the better the protection will be done.

Big Li can buy a certain amount of old age insurance or pension insurance with dividends. It can not only develop a good habit of thrift and saving, but also buy a high security for the future with less expenditure when having a high salary.

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< p > again, try < a href= "http://sjfzxm.com/news/index_c.asp" > venture capital < /a >.

After years of accumulation, if you insist on paying attention to the investment field and trying different investment varieties from your youth, your investment experience will bring you a broader investment space when you are 40 years old.

High risk investments such as foreign exchange and gold speculation can be tried to achieve high returns.

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< p > finally, diversify investment.

In addition to fixed assets, it is also necessary to configure some anti risk investment products, such as gold.

At the same time, we can also handle the monthly surplus money flexibly through the fund's fixed investment, monetary fund and other channels.

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