. over the past few years of marriage, both husband and wife have been living alone. We have two wage income is not high, along with several in the middle of the elderly, such as illness, family buy a house like emergencies, but also taught us the importance of financial management, but also because we are more concerned about financial management, On the revenue that we have not many, still calm in the face of a number of incidents around without borrowing.

. There are always around friends, even if a high income can be hard-pressed to live there from time to time, so I used some of the financial management experience to share with you.

. a monthly spending plan law

. every working family a fixed monthly income, how to prepare a monthly income expenditure plans, financial management is essential.

. My approach is:

. First of all, I left with her husband in addition to their own pocket money necessary, to come up with all the rest of the family as a whole on the basis of the Fund;

. Second, a list of the month on the basis of expenditure, such as water, electricity, gas, heating costs, and so on; month listed the cost of living expenses (in this case refers to the main board); and then left a small number of other expenses, such as seasonal clothing, such as the need to Tim ( This is certainly not spending every month, every month, but some).

. list of expenses, up 33 envelopes, the first sealed envelope on the basis of expenditure, not when the money will not move; second sealed envelope that other expenses at every turn, of course, use this as the case may be, this Not on, the natural next month on a large scale shopping can be a lot; 31 the rest of the envelope is sealed, of course, the average daily cost of living, day by day, can use up to leave the next day, using ultra - , On the next day had no choice but to use less myself!

. The reason why this distribution is that it gives more money planned.

. Second, the most reasonable and effective means of saving

. will set out the necessary expenses, the remaining money earners for the family or on the bank of the most secure.

. I am a part of this money will be divided into two parts, 25% of the demand for deposit for the rainy day, a 75% save on a regular basis, this will be bound to see if they would like to spend money on that impulse.

. demand since Needless to say, on a regular basis on this part of me is that 75% of the monthly deposit into a regular one-year certificates of deposit. Some friends said Lingcunzhengqu save it not be better, then I would say that this is the difference between right:

. 1.'s One-year Lingcunzhengqu on a regular basis and compared with the higher interest rates;

. 2. Once the much-needed money to spend means Lingcunzhengqu come to naught, and each of the CDs you can use the money you need and the number of certificates of deposit due in the order in which to consider the use of a few and the use of which A few, this will not be affected by the other on a regular basis;

. 3. Expires, the entire zero means that the relative maturity of a large sum of money, at this time would be very easy to generate impulse purchases, the one-year certificates of deposit on a regular basis, for each of the little amount of this Impulse on the kind of small now.

. 4. Zero is a one-time full maturity, in addition to that, a little surprise, at other times should be no sense of what it has. This is not the same as regular deposits, to the second year of every month certificates of deposit due each month and surprise, how? You have a sense of accomplishment.

. To sum up, it is not hard to see the merits.

. the right, but also said that, from the second year, of course, you can each month to month and 75% for the month certificates of deposit maturing into a year-to-deposit together again.

. another part of the accident is the large revenue, such as New Year's Day when the dividend, the amount of money for a class of more revenue, partly as a result of a greater amount of the general, it must be a good plan of how to store only the most appropriate. My approach is not to save a deposit on a regular basis, but is divided into several pieces, such as: deposit 10,000 yuan a year, as 4000 is divided into three thousand, two thousand, a thousand each. Why? Of course, but also to cope with emergency needs, needs over time, do not move the other, required to spend five hours on the increase over 4000 (two thousand or three thousand plus), to use a word of the better CD. Under this you get the point.

. three, the appropriate investment.

. stocks, the current futures market is not very good, and as a result of risk and need the expertise and Not suitable for the average family, and the fund is the same reason. Working families that we can invest what?

. In fact, working families face the investment although narrow, but not without, such as bonds and insurance.

. treasury bonds issued every year, although interest and interest on bank savings is not very different from the same period, but do not have to pay 20% of the interest tax. Some of the money at home in the near future with less than when the choice is a natural.

. insurance and some friends will not have such a sense of total income that would not be high, then use the money to go for it I do not know what happened will not really worthwhile to buy insurance. I can say that is because the income is not high, because things are unpredictable, because of the high cost of health care, working families should only buy insurance, so out of the accident other than to give their own treatment to family members to A security. Therefore, no matter how kind, but also to buy at least 000 large and dangerous Casualty (now a big dangerous despite all with accident insurance, the odds are not high, the other a security Casualty Baishi yuan will be very cost-effective).

. the last one, is more important, it is accounting. Accounts do not need professional, but it itemized account, remember every day, is the only way a month down their own inventory when you can find themselves whether to buy the spur of the moment things are not in fact own the most in need. With the sum, next month will be a constraint.

. These are some of my personal financial management experience, to come up with to share with you the hope of play Forward.

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