As an ordinary person with zero financial knowledge, how to manage moneyIf you earn 3,000 a month from a non-working day, you can be considered financially free. How do I go about the rules? Now I am 39 years old and have a salary of 6,000 months. There is no other income. There is a deposit of 50,000. This money is saved for emergency purposes.
First, control spending and force savings. I spend an average of 4,000 a month on living expenses, whether it is enough or not, I adjust it myself. Fixed deposit of 2000 to Yue Bao.
I have two Alipay accounts, one for financial management and one for daily living expenses.
Second, lazy financial management. Alipay for financial management, I will set up regular investment in high-quality bonds**, and save for 10 years and 20 years. When *** reaches a low point, the regular investment index ** is also a long-term fixed investment, like a 5-year fixed deposit bank, and the thunder cannot be moved. When ** reaches about a high point, the index** will sell all the Yu Bao Bao.
Bonds** and indices** are relatively stable ways to manage money. If I do this, there is a high probability that I will have a positive return, and the annual yield will be 8% if I am conservative, if I save for 15 years, because I am 39 years old and retire at the age of 55, I can only save for 15 years. With compound interest, I should have a sum of 650,000 yuan in 15 years, which can be calculated with a compound interest calculator. With the money management methods that I have already succeeded, continue to manage my deposit. There is a yield of 6 points per year, and my deposit income is 3,200 yuan a month on average. This money has just allowed me to achieve financial freedom.
Third, keep exercising and eat a nutritious and healthy diet. Having a good body is the cornerstone of financial management. Spend less money on hospitals. Minor illnesses are insured, positive**.
Fourth, read more useful books to enrich my spiritual world. I believe that a person, with sufficient cognition and a certain level of spirituality, can calmly face life and death. Serious illnesses do not need to be treated, and they should be treated with a normal heart.
Fifth, writing. Learn to express. Export what you know to benefit more people. Helping others makes you happy. Realizing one's own worth, this feeling of realizing one's self-worth can bring happiness and satisfaction. Happiness makes people live longer and healthier.
I hope to do the above five things in the future. Having goals and arrangements will also make people less anxious.
The fragrance of books nourishes the family style