Financial management is actually very simple. Do the following 9 points, and you will find that financial management can be very easy. First, there are always some people who often sort out their expenditures and incomes and have no idea about their incomes and expenditures. There is no balance after one month. This situation is most typical among young people who have just graduated to work. To learn how to manage money, you must first control your own expenses. Only when you have money can you manage money, learn to keep accounts and record your daily expenses. You can use an online bookkeeping book or bookkeeping software, such as Caizhi, to clearly record where each sum of money is, and then look back one month later to see which ones should be spent and which ones should be saved. You can pay special attention to it next month and adjust your unreasonable income and expenditure. Bookkeeping is a primitive but effective way of financial management. Only by sorting out your income and expenditure can you further adjust your financial management strategy.

Second, saving money is the simplest and most practical means of financial management.

Have you saved money this month? Although the interest rate can't keep up with the CPI growth now, compulsory deposit is also essential for individuals and families. Many people believe that "it takes money to make money", but how can a family with "big spending and almost no savings" invest? "Being able to make money and spend money in a planned way" should be the way to invest and manage money!

Tip: the accumulation of assets is very important, and saving money is the simplest and most practical means of financial management. As soon as you get your salary every month, you must deposit a certain percentage of money in the bank. You can use lump sum deposit or fixed investment, and the rest is the expenditure part. Especially for those who don't know investment knowledge and blindly invest, it is better to deposit their money in bank insurance.

Third, pay attention to the proportion of fixed assets in the family.

China people have a deep affection for land and houses since ancient times, and this affection is often transferred to investment. Many people think that buying a house is a very safe way to invest, so they buy a house as soon as they have money. Excluding the risk of falling house prices and shrinking assets, the quality of life is often reduced because of the tens of millions of mortgages on the back of buying a house. The same is true of other household fixed assets. Take home appliances and furniture for example, the value of these things will gradually shrink over time.

Tip: The appreciation space of fixed assets is limited and the liquidity is poor. Therefore, the proportion of fixed assets to all household assets should not exceed 60%.

Fourth, pay attention to insurance and rationally choose family members who are insured.

Insurance is a risk management tool in family financial management, not an investment tool. The biggest role of insurance is to ensure that future life will not be completely changed because of risks. With people's cognition and understanding of insurance, they gradually began to accept insurance after experiencing the previous stages of strangeness, disgust and hesitation. I won't go into details here. The choice of family members who need insurance is noteworthy. Modern people love children and give them all good things. A family bought various insurances for children aged/kloc-0, with a total coverage of 200,000. But the children's parents hardly buy commercial insurance.

Tip: Don't ignore the importance of insurance, especially for young people whose careers are on the rise. Once they get sick or have an accident, it will bring a great blow to their families. The economic pillar of the family should be the main object of insurance. In addition, there are provisions on child insurance. If/kloc-a teenager under the age of 0/8 dies, the maximum guarantee he can enjoy is 50,000 yuan, and it is useless to buy too much.

5. Make a long-term financial planning.

Many people only know how to work hard to make money and don't think about other things. Personal or family assets often exceed several million, and I don't want to know how to manage these assets better. I'm too busy with insurance planning and pension planning.

Tip: Many urbanites only know how to earn money hard. When they earn money, they are ready to rest, and they don't think much about the future. Therefore, long-term planning should be established from now on.

6. Don't dream of getting rich overnight.

What is financial management? Many people do not have a clear understanding of financial management, and think that financial management is to make money by investing. Some people even think that it takes several times a year to really manage money.

Tips: Financial management is to make a long-term scientific plan through the analysis of family assets and financial management objectives, so as to make the living standard prosperous and finally realize financial freedom. Getting rich overnight is not financial management, but sticking to the concept of long-term investment is the correct concept.

Seven, don't blindly follow the trend.

We often find people around us: invest in stocks when stocks rise, invest in collectibles when collectibles are on fire, and invest in gold when gold rises. But in fact, I don't know anything. Just blindly follow the trend and often get stuck after investing.

Tip: Make long-term financial planning after fully understanding your own situation, and pay special attention not to touch anything you don't understand.

Eight, establish a scientific asset allocation

"Don't put your eggs in one basket"-this sentence is always heard, but it is often ignored in the actual investment process. Some people put 80% of their money into the stock market, and some people want to buy more houses after buying them. ...

Tip: Establish a scientific asset allocation according to your risk tolerance. If most of the money is invested in stocks, the risk is too high; And if it is all real estate, it will also reduce your liquidity. Also, don't forget to buy insurance when allocating assets.

Nine, fully prepare for contingency reserve arrangement

Many families ignore this. There are many stocks, funds and houses, but there is little emergency cash.

Tip: Although it doesn't have much value-added effect to keep money in the bank in your lifetime, you should still use 3-6 months' income as a family emergency reserve for emergencies.