With a monthly income of 2,000 yuan, I can eat healthily, make friends and study at the same time, and I still have a monthly deposit of 500 yuan.

Divide the income of 2,000 yuan into 5 parts

In this post, the "Financial Emperor" made a life plan for people with a monthly income of 2,000 yuan: Divide the money into five parts. One portion costs 600 yuan, the second portion costs 400 yuan, the third portion costs 300 yuan, the fourth portion costs 200 yuan, and the fifth portion costs 500 yuan.

The first 600 yuan will be used for living expenses. With such a small amount of living expenses, I can only get more than ten yuan a day. Breakfast is a portion of boiled rice, an egg, and a cup of soy milk. A fast food and a piece of fruit for lunch. Make a small stove for dinner, cook some rice, add two vegetables, and have a glass of milk before going to bed. In this way, one month's food cost is about 500 to 600 yuan. If you are young, you won't have health problems for several years.

The second 400 yuan is used to make friends and expand your network. You can use 100 yuan on your phone bill. You can treat guests twice a month for 150 yuan each time.

The third portion of 300 yuan will be used for study. You can have 50 yuan to 100 yuan every month to buy books. If you don’t have much money, you should read the books you buy carefully and learn to apply what you have learned. Save the other 200 yuan to attend training once a year.

The fourth portion of 200 yuan will be used for travel, and you will be rewarded with traveling at least once a year. Participate in independent travel and stay in youth hostels. Financial planners believe that traveling will become the driving force of life, giving you more enthusiasm and energy to devote to work.

The fifth portion of 500 yuan is used for investment. Save it first, and then invest it in the stock market, or use it as capital for purchasing goods. Small business is very safe, open a Taobao account, and wholesale some things to sell.

Financial management refers to the management of property (including tangible property and intangible property = intellectual property). It is mostly used for individuals' management of personal property or family property. It means that an individual or an organization sets the economic goals they want to achieve based on the current actual economic situation of the individual or organization, and uses one or more types of financial investment tools within a limited time limit. , a plan, plan or solution to achieve its economic goals through one or more means. The process of implementing the planning plan is also called financial management.

Steps and core of financial planning

Steps

The first step is to review your asset status. Including existing assets and expectations of future income, knowing how much money can be managed is the most basic premise.

The second step is to set financial goals. Financial clearing goals need to be defined qualitatively and quantitatively from specific time, amount and description of goals.

The third step is to find out what type of risk preference is. Do not make assumptions about risk preferences that do not take into account any objective circumstances. For example, many customers put all their money in the stock market without considering their parents, children, or family responsibilities. At this time, their risk preferences deviate from what they can bear. range.

The fourth step is to conduct strategic asset allocation. Make asset allocation among all assets, and then choose investment types and investment timing.

Part-time jobs are required if you earn less than 3,000 yuan

Financial planners believe that those with a monthly income of less than 3,000 yuan must work part-time to make money. Try to find a job related to sales. For example, real estate agency is a very good part-time job. You can not only meet many valuable people, but also exercise your information gathering ability and marketing skills.

You have to buy as little clothes and shoes as possible this year. It’s best to buy all the money you earn from part-time jobs as a way to reward yourself. There are business people who need help everywhere. Help them do something part-time to hone your will, eloquence and work ability. Plus your financial management skills, your income will increase to at least 5,000 yuan in the second year. The minimum should be 3,000 yuan, otherwise your income growth will not keep up with inflation. Keep this balance and gradually you will have a large surplus. This is a virtuous circle life plan.

And you will be able to gradually realize your various dreams, buy your own house, car, and prepare a sufficient education fund for your future children.

Be generous when you are poor

When you are poor, spend money on others; when you are rich, spend money on yourself. Eat out less often, treat people if you want to eat, and treat people who are more dreamy, thoughtful and hardworking than yourself. Financial planners believe that knowing what to invest and where to save is key to the entire process.