Family Finances Need To Take A Look At The Overall Situation.

Family

It is a waste of money, the allocation of assets is arbitrary, and the choice of investment is more difficult.

In the process of family financial management, if we want to take a broad view of the overall situation and weigh the work, family, money and so on, we must rack our brains.

Where have all the money gone? I haven't loved you yet.

"Where is the money" often encountered such a bad family, usually two families, one is the family that does not earn much money, the family that worries about earning less and less use, and the other is how much the moonlight family will earn.

Weapon: families who do not earn much money need to continue to work hard to raise their salaries, increase their income, or seek additional income channels, such as driving on behalf of the family, doing part-time job as a weight loss coach, etc.

For families earning less and less money, Jiaxing Reed financial planners often suggest that first, develop good accounting habits, know their income and capital flow, and restrain themselves from some unnecessary expenses. Secondly, establish a

In addition, idle funds can no longer be allowed to let go.

Weighing consumption, more or less?

When it comes to consumption, the thing that worries family is

Pursuit and material life can not be equated sometimes. If you want to save more money, but want to buy your favorite brand phones, bags and clothes, and so on, enjoy the high material life early, and how to balance it?

Weapon: especially the young people nowadays, they all like to pursue material comforts and spiritual satisfaction, and advocate the concept of "enjoying before, suffering from hardships", so they can never afford to save money.

In order to change the family situation, this kind of family should make a good trade-off in consumption, such as spending more on food, spending less on clothing, spending less on playing, and investing more in themselves.

- there are many ways to manage finances and investments, and to make tangled choices.

Nowadays, there are many ways to manage and invest in the market. How to choose is also a matter that makes every family feel bad. This is related to the preservation and appreciation of family assets.

Weapon: there are many ways to manage money and investment. It is a good thing to choose more, but we must not invest.

Different people are different financial styles and risk preferences. Jiefong Reed financial planner suggests that we should combine the financial situation of our families and our own risk tolerance and other factors to choose suitable investment and financial means to pursue a steady family. We should pay more attention to the fixed income products such as the steady investment plan, bank financing and other fixed income products. 100 thousand, 200 thousand investment will be stable and yield at the end of the year.

If we want to pursue higher returns on the basis of sound investment, families like this can focus on stock investment, futures, fund investment and overseas investment, but we must not simply value high returns on investment.

- when debt is high, what time is it?

Debt is also a big worry for families with general income.

In particular, families who have not only housing loans, car loans, card loans, or even children, are even more miserable.

Weapon: such a family often becomes a "slave" of money, and it is also the biggest killer affecting the quality of life.

Xiaobian believes that families with debt are best to eliminate their debts in the shortest possible time and no longer generate new debts.

Especially for those credit cards that generate liabilities, it is recommended that these cards should be kept at 1-2, or simply not used.

Is it the first thing to buy a house, or to buy a car first?

Buying a car first or buying a car first is also the hottest topic of family financing.

In fact, whether buying a car or buying a car depends on its own economic situation.

Weapon: first of all, it should be clear that the house is an investment product that can be appreciated, while the car is a consumer product, and the value of the purchase will be devalued.

First of all, to buy a house or buy a car first, Jiaxing Reed's financial planner's advice is to choose according to the actual needs of the family. For example, in order to facilitate business, we need to visit our customers frequently. First, we should buy a car, travel convenient, and talk about good business; if we are working people, we should rely on wages to support families.

If we buy cars and increase consumption, we can hardly afford to save money.