First of all, make clear the source of your total income and how much income you have. Maybe many people don't understand how much income they have, and they can't correctly define what represents income. They simply equate income with wages, and wages are only a large part of income. There are other sources of income, such as welfare and unexpected income. Don't underestimate this small part. If you don't use it, you will waste this part of resources. Long-term accumulation will reduce your income a lot, so it is important to know your source of income. Only by knowing how much income you have can you allocate your financial plan reasonably.
Secondly, knowing your income is only the premise and preparation of financial management. The most important thing in financial management is to allocate your property reasonably, so that every part of the property can play its due role and no property can be wasted. According to the amount of your personal property, you can divide your monthly income into several parts. First of all, you have to take out a part to ensure the necessary life. Secondly, you have to prepare some emergency funds. It is necessary to meet any unexpected situation, such as getting sick suddenly and going out suddenly, or you will be burned out when things come. In addition to these, you may think, should the remaining funds be deposited in the bank? Your idea is good, but your understanding is superficial. Now, inflation depends on a little interest from banks. How do you increase the value of your capital? Perhaps, your capital will not depreciate. Imagine, now that you have 10 yuan/kg of potatoes, you can buy 10000 kg. Inflation. Your principal 10000 yuan can be 10500 yuan. Because of inflation, potatoes 1 1 yuan/kg. 10500 yuan can only buy 954.54 Jin of potatoes, but you can buy fewer potatoes, so your money is actually reduced. Therefore, I personally suggest that you can divide this unused fund into three parts. The first part, you can buy some low-risk bonds, and the income is definitely higher than in the bank. The most obvious is the national debt, whose annual income is definitely higher than that of bank deposits. In this way, this part can play a role in preserving value. The second part, you can buy some long-term risk assets. In the long run, these assets have a lot of room for appreciation. The average income is higher than that of bonds, most obviously stocks and funds. Perhaps, you will say that you always see that most people in society have lost money in buying stocks, especially in the last two years. Then, I tell you, you are wrong again. They lose money because once the stock falls, they can't help but throw it away, so they will definitely lose money. You are investing in them for a long time, and you represent the shareholders of the company. What can shareholders do? In the long run, stocks will definitely increase in value. In the short term, due to market factors, there will definitely be ups and downs. So this part of your funds is locked up and cannot be used in the short term. So, what should you do if you want to use this fund in a short time? This brings us to the third part, which is to make some short-term investments. Short-term, generally including foreign exchange, gold, bulk spot. The risks of foreign exchange and gold are relatively high. You have bought stocks with relatively high risks. So it is not recommended that you buy it. Only buy wealth management products with moderate risk, considerable income and strong liquidity. Then, spot is the only choice. Spot combines the characteristics of stocks and bonds, with moderate risks and considerable returns. If handled properly, the long-term return is even higher than that of stocks. At the same time, its two-way operation mechanism is not available in stocks and bonds, so it can make money regardless of ups and downs, and it only operates in a short time without observing market conditions, which is especially suitable for office workers because it has night trading from 6 pm to 9 pm.
Finally, it is not enough for you to distribute your property reasonably. You must settle your income and expenses at the end of each month. You must know what your spending and financial management are this month, not only from many sources of income, but also from your spending direction. If spending is always higher than income, in the end, you can only spend all your assets. Therefore, at the end of each month, you must make an account of your spending this month, and at the same time sum up where to spend and where to save for new investment. Finally, you should make a good budget for next month according to this month's expenditure. Next month is a new beginning. You can change your asset allocation according to the actual situation.