If You Spend Money, You Will Be Able To Manage Your Money!

"Double eleven" crazy online shopping, shouting "shouting" after the order, money spent painfully unable to breathe.

Do you do the same? You can spend money if you want to spend money!

Introduction.

First: follow the "three points method" of income.

Don't rush to spend every month after earning your income. First divide them roughly into 3 parts:

The cost of living is 1/3:, that is, the necessary expenses for rent, water and electricity, communications, fuel, grease, salt, etc., to ensure that this part is not used.

Savings 1/3: is deposited in the bank and used as little as possible without special expenses.

Active funds account for 1/3:. The rest of the money can be used more freely according to their current life goals, such as travel, shopping, gathering or investment.

1, durable goods, commonly used tools, electrical appliances and other things to be used for a long time, it is better to buy quality and brand good, do not add functions, basic money can be - this kind of thing saves money is really a waste of money.

2, holidays, promotions day to pay attention to the various electricity suppliers, fast products can take advantage of the activities of more than a little.

3, estimate the money to be spent every month, take out cash deposit once in a while, do not use it again, so it is easy to spend money without knowing it.

4, do not go out with too much cash.

5, drink or stop drinks, coffee and so on, and make tea yourself.

6, cook more and eat less outside.

7, do not follow suit, do not blindly consume.

If you have "spare cash", you can choose some low risk investment and financial projects.

1, the national debt: the national credit guarantee, the yield is higher than the bank deposit, the security is high, but the supply is in short supply, the starting point is 100 yuan.

2, Monetary Fund: the security is relatively high, the yield is higher than the bank deposit, the starting point generally is 1000 yuan (individual fund's investment starting point is 100 yuan, 1 yuan).

3, corporate bonds: the risk is relatively low, the yield is higher than deposits and treasury bonds, flexibility is good, but to face the risk of price fluctuations, not suitable for short-term investment, the starting point is generally 1000 yuan;

4, Internet financial products: controllable risk, high income, good flexibility, the starting point is generally 1 yuan;

5, bank financing: fixed income banking products, the yield is generally higher than deposits and treasury bonds, security is higher, but must hold maturity, relatively high starting point, 50 thousand, 100 thousand, 30 million have;

6, gold: has always been used as a tool for value preservation, but there is also a certain risk, liquidity is acceptable. If you want to invest, you should have a sense of risk and choose the right time.

7, insurance: guaranteed insurance can prevent risks; financial investment has a long term.