A Good Investment And Financial Planning Allows You To Have Money Immediately.

< p > with the accumulation of material < a href= "//www.sjfzxm.com" > wealth < /a >, many people realize the importance of financial planning, but many people are worrying about how to do well in financial planning.

The horse year is coming. If you really don't know how to manage your money, start with bookkeeping! < /p >

< p > financial management is to serve the goal of achieving a better life, because people's desires are endless, but the available resources are limited.

In this sense, the key to financial management is how to make trade-offs, and bookkeeping should solve this problem.

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< p > revenue and expenditure is the basis for achieving financial goals.

How to understand your financial situation? Bookkeeping is a good way.

Record each income and expenditure by recording one by one, and make a summary at the end of each month. As time goes by, you know your financial situation well.

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< p > at the same time, bookkeeping can also make an analysis of its expenditure and know which expenses are necessary and which expenses are dispensable, so as to arrange expenditures more reasonably.

If the "moonlight clan" can learn to keep accounts, it is believed that the end of each month will not be another day.

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It is still a little difficult to write a book by P.

Now that it has entered the era of "credit card", the popularity of credit cards has solved many problems.

In daily consumption, credit cards can be used as much as possible. Credit card consumption can be avoided.

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< p > in addition, don't forget to ask for invoices when expenses are paid, so that you can better protect your rights and interests.

When there is a large a href= "//www.sjfzxm.com/news/index_s.asp" > paction < /a >, and do not receive the invoice in time, please make a note in the memorandum in time, so as not to forget it for a long time.

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< p > bookkeeping is just the beginning, in order to better budget.

Because family income is basically fixed, family budget is mainly to make a good expenditure budget.

Expenditure budgets are divided into controllable budgets and non controllable budgets, such as rent, utility costs, mortgage interest and so on.

Monthly household expenses, communication and pportation expenses are controllable. We must plan these expenditures reasonably and economically, so that the monthly savings that can be used for investment can be stabilized at the same level, so that we can achieve the goal of financial management more efficiently and efficiently.

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< p > first step: determine your financial goals.

Everyone has different goals in his life, one of which is financial goal.

It is impossible to achieve anything without goals. Without financial goals, we will suffer every day in the mood of gains and losses as the stock market goes up and down.

With financial goals, emotional decisions can be reduced and market changes rationally.

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< p > second step: define your investment deadline.

Financial goals are divided into short-term, medium-term and long-term, so different financial goals will determine different investment periods, and different investment periods will determine different risk levels.

For example, after 3 months, the money to be used must not be used for high-risk investments.

On the other hand, if you don't invest money in 3 years, you will lose the possibility of getting higher returns.

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< p > third step: draw up a plan suitable for your own "a href=" //www.sjfzxm.com/news/index_cj.asp > investment < /a >.

When the investor determines his financial objectives and investment duration, a suitable investment plan will be decided later.

That is to say, after considering all the important factors, we need a feasible plan to operate. In investment, we call the investment portfolio.

The risk tolerance of investors is the starting point of all investment problems, high risk tolerance, and can consider higher risk equity funds. Low risk bearing bonds can consider low risk bond funds or currencies.

Because of the different risk bearing ability of fund investors due to age and asset income, the investment portfolio will also be divided into conservative, general risk type and high risk type.

In fact, the essence of personal financial planning is to achieve the goal of life through reasonable planning and management of wealth.

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