Care About Family Finances And Get Out Of Financial Puzzles

< p > > the world's < a target= "_blank" href= "http://www.91se91.com/" > clothing < /a > a target= "_blank" href= "_blank".

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< p > a few days ago, Ms. Rao, a member of a public institution in Changsha, was drying out his monthly income and expenditure bills, hoping that the financial secretary could inquiring him and offering advice.

A representative case is selected for readers' reference.

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< p > < strong > suggests that a sufficient deposit should be prepared for emergencies < /strong > < /p >.

< p > Ms. Rao and his wife are both employees of Changsha public institutions. Their son is 3 years old.

Family income is about 9000 yuan per month.

Two sets of real estate, one for parents to live, a set of self occupied.

In terms of household investment, the existing fixed investment fund is about 18 thousand yuan, with a deposit of several thousand yuan.

The monthly household expenditure items are: 2400 yuan (8 years), 300 yuan for property management, 300 yuan for parking, 400 yuan for oil, 2000 yuan for meals, net charges and telephone charges, and 1200 yuan for child care.

Ms. Rao hopes that financial planners can combine their own situations to provide constructive financial advice, which can provide educational support for children's kindergartens to university education.

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< p > reporter contacted Wang Mingliang, a financial planner of Changsha branch of Xingye Bank. He combined with the analysis of Rao's family's view that she had a monthly income of 9000 yuan and a monthly expenditure of 6600 yuan.

The general family needs to prepare an emergency reserve fund that can cope with three months' expenditure, that is, 19800 yuan, but Ms. Rao has only a few thousand yuan deposits, which is obviously insufficient and difficult to deal with emergencies.

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< p > < strong > recommendation two increase income and reduce income by < /strong > < /p >

< p > in detail, Wang Mingliang said that the family of Rao is in the period of family growth. At present, the main assets are self occupied housing and interest earning assets are not large.

Therefore, its financial goal is not to focus on the a href= "http://www.91se91.com/news/index_s.asp" > income < /a > level, but mainly from these two aspects to consider the asset allocation: on the one hand, focus on the work, through the study, training, textual research and so on to increase their input, enhance the income of the whole family, and realize the open source of family assets; on the other hand, it also needs to cultivate financial habits and savings habits. In fact, the fund's fixed investment is a good tool to cultivate financial habits, which contains a lot of investment ideas, and also allows Ms. Rao to understand the capital market at a minimum price. These are all for the sake of wealth allocation in the future.

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< p > provide a guarantee for children's education < a href= "http://www.91se91.com/news/index_cj.asp > > expenditure < /a >, which is a very good reason to enable the whole family to form the habit of saving money. At present, the family can spare 2400 yuan per month and 28800 yuan a year.

"If we increase our income and reduce expenditure, the monthly balance will gradually increase, which will help children to provide better education."

Finally, Wang Mingliang suggested that Ms. Rao could consider giving the family's greatest economic pillar a regular life insurance, small investment and big security.

"We can't predict our future, but we can add a safety lock to our families, and insurance can play such a role."

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