Money Management: Living And Investing, Life Will Become Better And Better.

As long as we live, we must manage our finances. Without financial management, we can always maintain the existing life level. Only by managing our finances can we make our lives better and better. Never use less money as a reason for refusing to manage money. Of course, besides selling annoying sales calls, financial management must choose a regular, safe and secure channel.

When it comes to financial management, some people think that their money is too little or even moonlight, and there is no extra money to manage their finances. In fact, the author thinks that financial management can be divided into two categories. One is to save money, the other is to make money. As long as you are still living, you need financial management. Financial management should continue from the sensible to the final, and financial management has nothing to do with more money and less money than.

Let's talk about what people are most familiar with. make money Investors can earn their own money through bank deposits, treasury bonds and other ways to get a stable risk free return. They can also get risky returns through buying financial products, funds, stocks and so on. These are all financial purposes for making money. People often say that they have no money to manage their finances. That's exactly what they are. But do they really have no money to manage their finances? Take the moonlight clan as an example. No money can be drawn.

Assuming that white-collar Xiao Zhang earn 8000 yuan a month, it needs to pay 3000 yuan for rent, 2000 yuan for clothes, 3000 yuan for other expenses, and no balance every month. Conduct financial transactions . First, the monthly salary is 3000 yuan, and the remaining 5000 yuan is not spent in one day, but gradually consumed in 30 days. So Xiao Zhang can first buy the 5000 yuan into a monetary fund or other approved financial methods, then use credit cards to pay for future living expenses, and can not use credit cards to make use of cash. Do not think that this 5000 yuan can invest for a month, and theoretically, the 5000 yuan can be invested permanently.

Next month, the salary is paid. Besides the rent of 3000 yuan, the remaining 5000 yuan will be used to return the credit card bill last month, and the credit card will continue to pay for the next month's expenses. This small Zhang can have the first 5000 yuan for financial management. Can it be said that no money is available? Credit Card There is a discount for payment, such as pizza at a business, Sunday and Zhou Yishua.

By next month's pay, Xiao Zhang found that he needed only 4500 yuan to return the credit card bill, and more than 500 yuan Zhang chose to buy a risky equity fund, so Xiao Zhang had his first venture investment. 3 months later, Xiao Zhang felt that the income of the stock fund was higher than that of the money fund. So Xiao Zhang redeemed the 5000 yuan Monetary Fund and bought the stock fund. At that time, Xiao Zhang held a stock fund of 6500 yuan. His plan was that if the investment was lost to 5000 yuan, the company would stop the loss to ensure its solvency.

Since then, Xiao Zhang has 500 yuan balance for financial management every month. His investment can get bigger and bigger. Can he say that he has no money? The more common informal financing channels are various kinds of crude oil, spot silver, telemarketing high interest loans, high interest financial management, and all kinds of high yield fundraising, P2P and so on.

I believe that as long as we live, we must manage our finances. Without financial management, we can always maintain the existing life level. Only by managing finances can we make our lives better and better, so that we can benefit future generations. Never use less money as a reason for refusing to finance. Of course, except for the annoying sales calls, financial management must choose formal, safe and secure channels, such as bank savings, bank financial products, treasury bonds, Shanghai and Shenzhen A shares, regular public offering funds, bank paper gold, regular physical gold, domestic futures and so on.