Moonlight Clan'S Financial Tips

From "moonlight clan" to "

In today's society, everyone wants to make himself richer, but sometimes he does not earn money, he also loses his capital, and others unknowingly carry it back.

Keywords: open source

Making use of all the opportunities to earn money to earn more money, such as unit holidays and overtime work, are often 2 to 3 times normal wages.

In addition to full-time jobs, there are free bobbins who can do some part-time jobs, good English plations, good writing skills, good writing skills, and good manners.

By the way, I would like to introduce some good part-time channels. One is the BBS of major universities, such as Shui Mu community, there are many opportunities, and Ganji network, cool news network. These large websites are relatively reliable.

Keywords two: throttling

That is to say, we should spend money rationally and spend money rationally. Now, there are more and more sales promotion methods of various businesses. Advertising is overwhelming. It means that you spend money. If you are attracted by them and irrational consumption, it is very difficult to save money. This is also the reason for the emergence of "moonlight clan".

1, establish a sense of conservation.

The most important thing to save money is to have a sense of frugal, especially girls, to curb the impulse to buy. Before going to the supermarket, it is best to make a list and buy away what they want to buy.

Besides, make full use of coupons or discount cards, and have 30 yuan coupons for 139 mailboxes. Why do we have to pay 60 yuan to go to the movies?

2, change love - change things.

Everyone is temporarily unable to use it, or they don't like it, but it's a pity that they throw away the land, and then they can exchange things with their classmates and colleagues, or sell them to the school's jumping Sao market. There is also a website dedicated to exchanging things to introduce to everyone.

3, join the rob race, strive for free things.

Nowadays, many businesses do promotions, there are buying and selling activities, and some large cosmetics also have free trial activities, as well as financial university, as well as essay Award activities.

We can participate in these activities more often without delay.

Lucky enough to win the prize, another calf was charged.

Learning knowledge and gifts, why not?

4, try to delay buying a car.

Robert Kiyosaki, the author of rich dad and poor dad, said, "how can we distinguish between assets and liabilities? That depends on whether the investment can bring cash flow to you." so in his book, even the home occupied property is classified as "debt", because it can not bring you cash flow, but you have to pay property fees and management fees for this month.

Your car has depreciated by 20% from the moment you belong to the car (except for antique cars, collectibles, Limited Edition). You need to spend a lot of money on maintenance, insurance and parking every month. This is a standard depreciation investment. And more and more motorists get chronic diseases of the lumbar vertebrae and neck cones, which is caused by the lack of proper exercise for a long time. In fact, sometimes running to catch up with buses and buses is a rare compulsory exercise for yourself. It saves money and exercises, and has the opportunity to choose to rent out. {page_break}

5, skillfully use the credit card "interest free repayment period".

The advantages of having credit cards are many, and the most important thing is that you don't have too much cash in your pocket. You can get more efficient investment with your money. When you travel, you have to bring credit cards, and you don't have to worry about the accidental cash theft on your trip, which makes your holiday holiday disappointing! Credit cards are already the partners of various businesses. As far as digital cameras, clothing, clothing, laptop computers, household appliances and cars are concerned, all bank credit cards have launched "interest free installments". Some even have "zero down payment" and "moonlight clan" friends to make good use of interest free repayment periods and installments, reducing the pressure of shopping.

Keywords three: financial management

It is the use of money to regenerate money, learn more about financial knowledge, reasonable savings plans, stock fund investment, collection and so on are all investment channels, and reasonable private lending.

The reasonable matching of financial management and different groups of people have different collocation principles. We can learn more about this knowledge from "easy learning finance".

Many friends feel that the house is too expensive now. How can I afford it? I don't think buying a house is necessary at a time.

"A homeowner who has perseverance" can live happily, even if it is a small dwelling that is entirely his own. It can bring you endless happiness. "Moonlight clan" friends can buy a small house, and monthly bank loans are mandatory savings. If families and children upgrade their homes in the future, small houses can be rented or sold and become another asset.

Keywords four: hedge

It is to prevent the loss of money, to remember the business which is not familiar with itself, not to do business and not to guarantee loans to others, even if it is guaranteed within the scope of its own support, and to borrow money, we must follow four principles:

Borrowing procedures must be implemented conscientiously.

Fourth opinions on the trial of loan cases by the people's court indicate that the people's court should request the plaintiff to provide written evidence in writing when borrowing the case for borrowing and lending, and the written evidence should be provided without any written evidence.

The ruling shall not be accepted for the prosecution which does not possess the above conditions.

The other party's borrowing is legal.

Eleventh opinions on the trial of loan cases by the people's court indicate that lenders know that borrowers borrow money for illegal activities, and their lending relationship is not protected.

The illegal lending activities of both sides can also be admonished, collected property and illegal gains for illegal activities, and may be fined and detained according to the law.

Loan interest rate should be within the specified interest rate.

The contract law stipulates that the interest rate of private lending can be appropriately higher than the bank's lending rate, but the maximum should not exceed 4 times that of the bank's similar loan interest rate. Beyond this limit, the excess interest is not protected.

We must pay attention to prescription when borrowing money.

The 135 provision of the general principles of civil law of China stipulates that "the period of limitation of action for the request of the people's court to protect civil rights is 2 years, except where the law provides otherwise."

That is to say, within 2 years after the expiration of the loan, the creditor will not return it to the debtor, and the law will not protect it for more than 2 years.

Keywords five: guarantee

As the saying goes, "there are days when accidents happen.

Although insurance can not avoid the occurrence of risks, it can give economic compensation when risks occur, and embodies the mutual assistance of "I am for everyone and everyone for me".

For example, a 30 year old person can deposit ten thousand yuan a year, and ten years is one hundred thousand yuan. Unfortunately, he got a serious illness in tenth years and spent one hundred thousand yuan, which means that all savings were gone. But the one hundred thousand yuan serious illness insurance required 3000 yuan per year for 20 years, and the insurance company still has to pay one hundred thousand yuan for life.

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The remaining 7000 yuan a year's deposit, even if he unfortunately had a serious illness spent one hundred thousand yuan, the insurance company will give him one hundred thousand yuan, his bank's seventy thousand yuan deposit will not need to spend.

If a serious illness occurs in second years, he will be even worse. He will have to pay eighty thousand yuan for his debts.

There are also old-age insurance, juvenile marriage education insurance, accidental injury and accidental injury medical insurance, etc., according to their families to handle appropriate insurance.

"You do not manage money, money does not care for you", family financial management is to develop a reasonable financial planning, and then adhere to the implementation of the reference, so that you can become richer.

"Easy to learn financial management" will continue to provide more and more practical knowledge of financial management.