Family Financial Management Means That Your Funds Will Not Be Idle.

According to the survey, it is found that among the married people over 25 years old, the biggest inducement of husband and wife's quarrel is money. Financial management is a matter of long-term persistence. Every couple of time, two couples should sit down to have a meeting, examine the current financial situation, correct financial mistakes in time, and establish the next stage of financial goals.

At the time of advocating equality between men and women, earning money is not only a male patent, but more and more women play an important role in family income. Under such circumstances, the traditional mode of "money making by men" is no longer feasible. The husband and wife sit down and talk about money and family. Financial planning In order to make family life more harmonious.

Always remember this sentence: "take your property as a basket of eggs and put them in different places: if you accidentally break one basket, you will not lose all at least." We must make more idle funds and make more financial products. We should rely on more investment and make less investment.

Decision making and execution are two different things, separated by clear boundaries. When making investment and financial decisions, we need two couples to participate together, and we can discuss with our elders. They will perform their duties when they are executing. For example, someone will deal with investment, handle bills and declare taxes, and divide them according to their interests and specialties.

When the other half's consumption may interfere with your emergency reserve fund or Retirement fund When discussing how the goal can be achieved in this state, instead of concentrating on firepower and attacking the other half's improper consumption. Family members can sit together, write down 5~10 wish list separately, and then put them together. The desire to overlap is to lay the focus of resources first.

In a double paid family, couples allow each other part of their salary to remain for their own use. Husband and wife should have a common account to deal with the necessary expenses of the family, and at the same time have a personal "small Treasuries" for their own use. This small coffer does not have to be too large. For example, the husband who regularly takes part in a courtesy can control some social expenses of alcohol and money.

Although the one-year deposit benchmark interest rate is lower than the CPI increase, it is implemented. interest rate It can float substantially higher than the benchmark interest rate. If the banks are chosen properly, the deposit earnings will still outperform CPI. However, in the family, funds can not be idle in the bank. It is suggested that the remaining funds be properly managed after leaving the emergency funds for life (3-6 months' total household expenditure). For the monthly household balance, it can be used as a reserve fund for pension funds and educational funds.

Most investors suggest that investors should extend their holding period and lock in higher returns in advance. It is best to choose medium and long term high-yield products. According to the current situation, they can choose financial products. At the same time, they can also pay close attention to the open type products and structured financial products sold by major banks in order to gain relatively high returns.