Can the poor manage their finances?
Of course.
Actually, financial management has little to do with whether you have money or not. I just want to manage my financial situation better and increase my financial knowledge reserve through financial management. In fact, the poor should learn how to manage money, enrich their knowledge reserves by constantly learning financial management knowledge, use funds rationally, and realize the preservation and appreciation of assets.
Investors are advised to plan funds reasonably, control expenditures, accumulate funds slowly, increase the principal of financial management, and obtain higher returns.
Financial management methods suitable for the poor?
1, fund management
Wealth growth can be achieved by buying money funds and gold funds. Common money funds include Yu 'ebao and Cointong. Yu 'ebao is a wealth management product that cooperates with Alipay. It can be used at any time when managing money, which is very convenient and flexible. The funds inside can be directly used for payment and consumption, and there will be income every day. You can also make a fixed investment in the fund and invest a certain amount of money to buy the fund at a fixed time, which not only plays a role in reducing risks, but also is equivalent to compulsory savings.
2. Bank investment
Now more and more banks are launching new wealth management products, such as Chaochaobao of Industrial and Commercial Bank of China, which is connected with the wealth management plan of Zhao Yin Wealth Management Co., Ltd., and belongs to low-risk fixed-income products, mainly investing in government bonds and bank deposits. Moreover, silver is more formal and funds are safer.
Step 3 force savings
If the monthly national debt is fixed, then you can consider compulsory savings. After you pay your salary every month, you will take out a sum of money and save it regularly, and gradually accumulate funds, and your income will increase.