My monthly salary is 1300, and my husband is 4000; Monthly fixed expenditure on rent, water and electricity 1000+ son tuition 750 =1750; There is no RV deposit, and I am looking for a financial management method that suits me. The first step is to review your assets. Including stock assets and expectations of future earnings, knowing how much money can be managed is the most basic prerequisite. The second step is to set financial goals. It is necessary to define the financial target qualitatively and quantitatively from the specific time, amount and description of the target. The third step is to find out what kind of risk preference. Don't make the assumption of risk preference without considering any objective situation. For example, many customers put all their money into the stock market without considering parents, children and family responsibilities. At this time, his risk preference deviated from the range he could bear. The fourth step is to allocate assets strategically. Do asset allocation in all assets, and then choose investment varieties and investment opportunities. The core of financial planning is the process of matching assets and liabilities. Assets are previous stock assets and income capacity, that is, future assets. Debt is a family responsibility, supporting parents, raising children and sending them to school. The second is the goal, which has become our debt. To have a high-quality life and dynamically match your assets and liabilities is the core concept of personal finance.

People with average income don't have a lot of money. How can they manage their money to make money?

Trick 1: "lose weight" for the wallet

At present, many citizens have several cards and passbooks, and their deposits are scattered. Many of them are "sleepers", that is, the cards have only tens or hundreds of yuan, but they have not used this card or passbook for several years. These small depositors are likely to be the target of bank liquidation. Just like Shenzhen Construction Bank, it is common to lower interest rates and charge management fees for small depositors below 500 yuan abroad.

According to the regulations of Shenzhen Construction Bank, if 500 yuan deposits for one year, the interest will be only 5 cents at the interest rate of 0.0 1%. In addition, interest tax and management fee 10 yuan will be paid. Isn't money getting less and less? Therefore, before banks adopt the same policy, local citizens should clean out their wallets, cancel some unused bank cards or passbooks, and concentrate scattered small deposits in a common account as much as possible, which can also save annual fees. It is understood that many local banks, such as ICBC and CCB, have started to charge an annual fee of 10 yuan for some bank cards.

Trick 2: short-term funds to buy funds

In foreign countries, because banks not only charge little interest on small deposits, but also charge management fees, local people rarely live, but buy funds.

We should also rearrange the term and types of short-term funds according to our own needs. For example, a bank's current deposit, citizens only need to leave a certain amount to ensure their living expenses. 60% of short-term funds should be purchased from the "savings-like" product money fund. At present, the income of the money fund is around 2% and 3%, which is much higher than the interest of demand deposits. However, the money fund has a two-day redemption period, so citizens should be prepared to make good use of their money two days in advance. In addition, citizens can take out 20% of short-term funds to deposit one-year time deposits.

Trick 3: "Put some eggs in each basket"

If a small sum of money wants to earn interest on deposits, it is very small. Only by broadening our own investment channels and diversifying family investment can we avoid the impact of possible interest rate adjustments on income in the future.

If it is RMB financing, the average family can consider voucher-type and book-entry treasury bonds, high-quality corporate bonds and trust plans, or buy some RMB financing products, and now the income is about 2.4%. In addition, they can also buy some funds or guaranteed insurance. If you are interested, you can do some collections.

If it is foreign currency financing, in addition to foreign exchange deposits, you can buy some foreign exchange financing products or fry some foreign exchange. If the operation is good, it is not a problem that the annual income of foreign exchange speculation reaches 10% or 20%.

Others, such as stock speculation, real estate speculation and futures speculation. You can do it, but remember not to follow the trend to do projects that you are not familiar with or understand, otherwise the risk will be too great, not only will it not be profitable, but it may also lead to loss of principal.