Monthly Income Of 3000 Can Also Be Reasonable Financial Management, Not Worry About Food And Clothing.

The general financial review list has been committed to providing the most intimate financial planning for every reader and investor. This year's financial review list is no exception. We have created suitable financial planning for the people with different income and different financial needs. Let's go to see if there is anything to learn from it.

Taiwan girl Ceng Wanling and her husband were both born in the ordinary family, but through their own efforts, they achieved the goal of financial freedom ahead of schedule. They both quit their jobs and became backpackers and began to travel around the world.

Many people will say that it is only a few cases, and how many people around them can be like them. In fact, it is not difficult to achieve financial freedom ahead of schedule. You just lack financial planning. Even if you earn only 4000 yuan a month, as long as you implement financial planning step by step, save money carefully, retire at 50, and achieve financial freedom is not a problem.

Let's take a look at the detailed financial planning made by professional financial planners to help us achieve our financial goals at an early date.

Zhang Qian, a bank financial manager, said that financial management can be carried out on a certain economic basis. First of all, we must meet three prerequisites.

The first premise is that there is a steady income. For most people, wages are the main source of income.

Young people who enter or leave society may not earn enough to make their own expenses. But in the next twenty years, we must ensure sustained growth in income.

On the one hand, there are

To support themselves, we need to improve ourselves faster, seize the right opportunities, plan our career properly, raise salaries and raise salaries naturally.

The more you earn, the faster you will go to financial freedom.

The second premise is the necessity of saving money. Obviously, if a moonlight clan says that they want to achieve financial freedom, it is simply a myth, because the premise of financial freedom is to have an asset that can bring you passive income.

"Some people think that earning money means spending.

But most people choose to take a long view. They think the money they put aside is their own.

Saving is not to spend without spending, but to reduce unnecessary expenses through some changes. "

Zhang said when he talked about saving money.

If we want to achieve the goal of financial management, we must plan on consumption and control consumption so as to save the capital for subsequent investment.

Controlling consumption requires not only enough wisdom, but also perseverance. Therefore, it is not easy to succeed. We must insist on it and never give up halfway.

For how to make financial plans reasonably, Zhang gives the following suggestions for your reference.

First, it is necessary to make a financial plan according to the consumption situation, and ensure that the investment amount per month is no less than that of last month.

For example, living expenses, unexpected expenses, investment and financial management, and other aspects of the formation of a written form, convenient to adjust plans according to the actual situation at any time.

Second, cut costs and zero reserves.

People often disapprove of spending a small sum of money, but even a small amount of investment may bring a lot of wealth.

Suppose you start at the age of 25, save more than 100 yuan a month, and get 10% annual profit. By the age of 35, you have 20000 yuan. The longer the investment time, the more obvious the effect of compound interest will be.

The concept of zero deposit and withdrawal is emphasized by every financial planner, who keeps a fixed amount of money every month for one year. When it expires, it will be converted into a one year fixed deposit or treasury bond. There is no risk in deposit and treasury bonds. It can be used as a life reserve or later.

First payment.

Third, control your credit card and eliminate blind overdraft.

The actual consumption of credit cards should not exceed 1/4 of the wage income. In order to avoid blind overdraft, it is suggested that only one credit card should be handled properly.

Manager Zhang also cited most young people as an example to show us how to make our own financial plan.

Let's assume that our monthly income is 4000 yuan, and the year-end bonus is 4000 yuan, with an average monthly expenditure of 1000 yuan.

Each month, 500 yuan of funds will be put in to collect and collect money, which will meet the daily emergency expenses, apply for a credit card, and usually choose credit card consumption. Especially in case of an accident, you can rely on the credit card to tide over the difficulties.

But remember to repay in time to ensure credit accumulation.

Besides, purchase a major sickness insurance for yourself, and the monthly premium is about 500 yuan.

Investment and investment can be considered when both expenditures and safeguards are ready.

but

We should pay attention to keeping sober minded, not aggressive, not buying much, and buying suitable financial products according to our actual situation.

As the saying goes, it is better to earn money than to accumulate. In fact, the first two prerequisites are to lay the foundation for the last one.

Use primitive capital reserves to invest in order to earn money.

Zhang Qian, the financial manager, said the third premise is "to vote".

After our calculation, the annual average return of 10% can achieve the expected goal.

Some people may say, who will care about this income, but the long-term and sustained growth is very substantial for our assets appreciation.

Now there are many low-risk products, virtually reducing the threshold of investment and financial management, even if you are not proficient in this, a little understanding can also find their own products.

"The main reason why many people do not touch financial management is that they always feel that investing in wealth is the patent of the rich, and they do not have big money to invest in it.

This view is incorrect. It is because savings are scarce that financial management should be more reasonable. Detailed planning should not be allowed to be "rich enough" to become "a stumbling block on the road to your wealth."

When Zhang talked about his financial attitude, he said that no one is born to be a financial manager. Financial experience comes from learning and accumulation.

Don't be rich and get rich dreams. Down-to-earth is also a recipe for wealth freedom.

Financial management should not be blind. If you blindly manage your finances blindly, money will naturally ignore you.

Zhang said that it is necessary to master basic financial knowledge, such as the simple operation principles of Monetary Fund and stock fund, and know how it achieves revenue.

Read more books on financial management, set up a sense of financial management, and accumulate their own small Treasuries step by step.

There are time to pay more attention to people's livelihood news and financial news. Many of these contents will be reflected in the stock market, which is very important for financial management.