Personal investment and financing? Need to learn about financial management!

Personal finance is a word that people can never know again. However, the people who really understand financial management are not most. Most people know some fur, and they need to learn the knowledge of investment and financing seriously. How to learn personal investment finance knowledge? In order to become a financial master, in addition to good luck, we need to rely on their own knowledge to improve the ability to grasp investment.

To learn personal investment and financial management knowledge, we need to learn these first:

1. establish correct financial management concept and method

How to establish the correct financial management concept and financial management method: repeat simple things, when success comes, it can not stop, and treat financial management as a habit; In any case, we can not use the savings and try not to use the money; Comprehensive financial management should include cash plan, consumption plan, insurance plan, investment plan, etc; Financial management should be clear about the goal, and this goal can be quantified and has timeliness.

2. understand that saving money is the starting point of financial management

Saving form: current deposit and fixed term fixed term method, which are divided into two ways: lump sum deposit, zero deposit and interest taking and fixed living; Scientific deposit method, step deposit method n n-year 1 interest, interest rate roll method deposit principal and interest and zero deposit integral withdrawal; Note: automatic transfer should be made with multiple deposit documents, but the period should not be too long.

3. learn to spend rationally and make it as much as possible

From scratch, we should know that the first priority of financing is to pay attention to the amount of money. We should refuse short-term temptation. We should be careful when choosing to promote discount goods. According to the investigation, there are still quality problems in many active commodities and resist temptation. Learn to consume rationally and make money according to the amount of money. Because it is a knowledge, you should buy the right products instead of expensive ones.

4. to insist on saving is the foundation of financial management

Saving is to plan the money in your pocket reasonably, reduce unnecessary expenses, and waste it. You can spend it on meaningful and valuable things. But saving can not be based on reducing living standards, not blind saving, we should be aware of it, carry out according to financial management plan, appropriate savings, but also can manage a lot of money.

5. study investment and financing hard

Individuals learn to use these money to learn to invest in financial management by establishing ideas, setting financial objectives and saving methods. With the continuous introduction of Internet financial products, investors can choose the appropriate financial products according to their hobbies and economic conditions.