For wage earners, a single source of income is a risk, and it is inevitable that salary increases will meet the ceiling.

In the case of limited monthly salary, people who have the concept of financial management tend to lead the growth of family income.

1, change ideas, cultivate financial quotient

When it comes to financial management, some people think that they have too little money or even moonlight, and there is no extra money for financial management.

"lack of money" is not an excuse to give up financial management. Financial management can be divided into two categories, one is to save money, and the other is to make money, which has nothing to do with how much money is.

Give a classic example:

Take Xiao A, a white-collar worker in a big city, as an example. She just graduated with a salary of 6,111 yuan per month, and has no savings. She spends 2,111 yuan on rent, 2,111 yuan on meals, 1,111 yuan on shopping and 1,111 yuan on other expenses every month, and there is basically no money left at the end of the month. So how should he manage his money? In fact, in addition to the rent paid by 2111 yuan, the remaining 4111 yuan is not spent in one day, but gradually consumed in 31 days. Then Xiao A can actually use this money to buy money funds or other wealth management products, and then use a credit card to pay for this month's expenses. When I get paid next month, in addition to the rent of 2111 yuan, the remaining 4111 yuan will be used to return the credit card bill of last month and continue to pay the expenses of next month with the credit card, so that Xiao Zhang will have the first 4111 yuan for financial management. Can you still say that there is no money to manage?

changing one's traditional viewpoint and cultivating one's ability to know and control money is the first step in financial management.

2. Don't overdraw your expenses

For people who have just entered the society, the most important thing is to learn to keep accounts and recognize their financial status:

1) Make clear their income:

Know what income channels they have, whether it is stable income or variable income;

2) Sort out expenses:

Record your monthly financial expenses and divide them into transportation, catering, entertainment, study, family and other categories. This can not only reduce unnecessary spending, but also make rational expectations for future development;

3) Future planning:

Financial management can't be divorced from life. Buying a house and a car, getting married and going abroad are all important life nodes and need a lot of money, so make plans in advance to lay the foundation for small goals in the future and avoid being in a hurry.

4) Classified management:

Classify debit cards, and stabilize daily income accounts as central accounts, so as to establish accounts for investment behavior and expenditure behavior;

Control the number of credit cards, and don't be a slave. It is best to have no more than three credit cards. More than three credit cards may burden your daily repayment and credit management, and remember not to be superstitious about the so-called "credit card financing".

3. Choose a financial management method that suits you:

When choosing financial products, the first thing to do is to assess your risk tolerance. High risks correspond to high returns, and learn to invest rationally.

At present, the ratings of mainstream wealth management products in the market are as follows:

Low risk: medium risk such as bank savings, bank wealth management, national debt, insurance and money fund; high risk such as bond fund, fund fixed investment, stock fund, trust and P2P wealth management: stock, foreign exchange, futures, equity investment, etc.

Most wage earners have no financial burden for the time being, no mortgage and liabilities.

At present, most wage earners are stable investors, and fixed-income wealth management products are the best choice for stable investors. So what are the fixed-income products and what are their characteristics?

1) Bank deposit:

Bank deposit is the most common and familiar fixed-income product, which mainly includes demand deposit, time deposit, large deposit certificate and interbank deposit certificate. It has the characteristics of safety and high liquidity, and there is no threshold limit except for special varieties, but the yield is relatively low, so it is necessary to control the allocation ratio of such products.

2) monetary fund:

wage earners can invest working capital or short-term idle funds in monetary funds to gain short-term gains to make up for losses in interest and other aspects; However, after a short period of high growth, the income of Internet products headed by Yu 'ebao gradually declined, making it difficult to find the initial high income.

3) Bank wealth management:

There are various bank wealth management products, including guaranteed income, guaranteed floating income and non-guaranteed floating income. The first two categories can be classified as guaranteed income and the third category as non-guaranteed income. At present, the average income of bank wealth management products is about 5%, of which the income of guaranteed wealth management products is mostly below 4.5%, while the income of non-guaranteed wealth management products is mostly above 5.2%.

4) Savings-type treasury bonds:

With steady and relatively high returns and national credit as the guarantee, savings-type treasury bonds always have a group of loyal pursuers. Judging from the last two issues of savings bonds issued in October, 2117, the annualized income for three years is 3.9%, and that for five years is 4.3%, and the income level is lower and middle. However, compared with state-owned banks, bank time deposits at the same time are also attractive. However, compared with the bank wealth management products in the same period, the income is not dominant.

5) P2P financial management:

P2P is an Internet finance that combines the Internet and traditional credit business. Generally speaking, P2P products have low investment threshold and are suitable for all income groups. At the same time, combined with the Internet platform, the operation is convenient; The rate of return is high. Take the Rabbit Financial Service Platform as an example: the annualized rate of return is between 6% and 12%, and the asset side is connected with the bank, which is safe and secure, and has much greater advantages than the traditional financial management.

besides, you must remember to invest in yourself, which will be a large amount of intangible assets.