How individual manages money

IndividualIt is the word of a fashion, however general person as manage money knowledge existence two mistake districts: One thinks that managing money is raw wealth, it is to throw 100 thousand and the gains 120 thousand of next year in this year , is also to make investment to make money. 2 thinks that managing money is the matter of rich person, common people have no some money, indifferent reason does not be managed money. Actually, this two manage money idea is narrow.

It is actually the life program of a kind of individual or family to manage money , on foundation denoting us want good to spend money wealth, make the financial situation of individual and family be in best state as far as possible , so raise life quality.How to use each minute efficiently money, how to hold in time are each to invest in opportunity, is manage money key place. Manage money at the same time the life of our everybody and is closely linked , manage money not have the patent of person - -

It is life

" individual manages money " is to appear along with the increase of people's income and the raising of life quality. In agricultural economic times, people error is self-sufficient life, the low basic problem of productivity level that makes most one be faced with is survival problem. In feudal society," value farming light business" " gentleman the idea of not speech advantage makes people feel ashamed in discussion money. Even if have gone to new China to set up afterwards, when everybody eating from the same pot, in period of secure job, in times of merchandise shortage, the extravagant hopes of most all the life of common people are also to fill full belly however. Perhaps people most can will self and manage money the word that contacts is also to store money to bank to go simply, again near point says that managing money is fried share to make money. However, when developed country, people will accept since childhood manage money training. For example, recently, British government makes decision, a child begins from 5 years old , must accept in school is taking " good uses money " as theme manage money to educate , elementary course includes , money are since where come , there may be what use; After 7 years old, will study the money of how to handle self properly step by step , how to look after the influence as well as needs in the future via save are human to use the various factors of money and savings money , must make control budget and the pocket money of how they know to utilize self amiable, serve with finance. So, it is that people meet commodity economy to manage money , is further socialization place must, it is the expression of social progress to manage money. Manage money should with the raising of life quality, the realization of personal goal is ultimate purpose. This in which the increase of wealth merely a aspect, the safety of wealth, the social responsibility of personal reality manage money must the factor that will be considered.

So, it is not only the matter of rich person to manage money , it is planed that rich person also has the person that manages money badly and have no money to pass through systematic life , manage money scientifically , may reach the extent reached of " financial freedom " also.

Do not put egg

Some experts think that people will carry out various investment combination when carrying out individual to manage money , broad open " wealth road", the investment combination of the most suitable ordinary family is: The bank of 40% deposits , 30% buies bond and 10% to buy insurance and 10% buy stock and 10% to be used in other investments. But we should see that any pattern is not absolute truth , for different person, since own financial situation difference, everybody manage money goal is different, family responsibility is also different, his risk the condition of bearing ability, goal and asset is different, he should not follow this kind of proportion immutablely. There are how many eggs after all, put how many eggs in what basket , is since person is different.

Generally speaking,
Walk first , put in order own asset situation, including you for now have how many assets , is in debt somewhat, as well as the expectation of your future income is also amount, it may manage if knowing you have how many wealthes, this is the most basic prerequisite.Abroad, manage money the work of teacher major also the datas such as the asset, liability and income that is according to customer, according to the goal that it sets carry out the design of life scheme helps to implement. Do not think own not much money, do not deserve to be put in order. In realistic life, the financial situation of many persons for self is not clear , live also do not know to budget carefully. Actually, this is also very simple , tries the two family financial report forms of own produce , will be clear at a glance for own financial situation, this at the same time also arranges income and expenses to be very helpful reasonably for our ordinary family.General , family manages money

The table of income andNow, the income of our individual or family usually includes work salary income, part-time job income, deposit interest income, stock investment income, rent income and other income etc.. And the project of expense is wanted because of person and is different. Different income horizontal family or individual can have different expense project, but general may also include such some kinds of, if: The education and expense of daily necessities are paid ( the family that has child ) , bank according to uncover expense( housing loan, automobile loan etc.), investment is paid as well as is recreational to entertain to contact with expense. Every family may form according to own income expense to carry out classification and statistics. But no matter consumerness is paid , or investment is paid , general principle is that expense will be smaller than income , can not arise the overdraw of long-termness , stretches otherwise on economy too tight, self life meet to face great pressure. Surplus is to take in to deduct the part of expense. The tables of increase and decrease of enterprise and the table of income and expenses is similar( the person rights and interests had by asset=liability +). Establishment a table of income and expenses can let we as in the same month , or the income source of same year, make money source is clear at a glance , may again accomplish for the cash surplus of same year to know well. It is not only so, we will still carry out comparison for cross year income and expense project , see that which project is high , which project is low, the reason of thinking of behind is considered high or the low influence for that own or entire family lives is positive or is negative, positive influence how to keep in next year, it is what that not good influence has , self whether bear as well as how to overcome. In a word, will enlarge income source actively , economize or decrease , or reject unnecessary expense firmly. The friend who has heart returns may when annual beginning, it is for self with family the income of same year carries out a prospect, it is also to do a budget , is so better. Fill estimated figure under corresponding project. A quarter, half a year or annual actual condition comes to carry out more a comparison , see that discrepancy is in what place , seek the countermeasure of solution as well as the reason of behind, that effect is better.

It is second toIt is very crucial to set this goal, otherwise, we manage money is blindly, shoot at random. However in reality, a lot of persons even do not understand that there is a what goal by oneself in coming few years. For example, in 5 years, buy computer , buy vehicle , or buy room or asset to reach amount , these may calculate does specific manage money goal. At the same time, quantify your goal , need how many amount of moneies, estimate how long.

3th walks , understands that your risk isDo not want do do not consider any assumption with good risk of objective condition, for example, many persons, put money in the stock market completely , actually, he has not had parents and offspring as far as him is concerned , has not considered family responsibility, at this time, his risk has deviated well the scope that he can bear.

4th walks , does strategic asset

5th walks , do Ji effectMarket changes constantly, our financial situation, income level also when unceasing change, we should regular for us investment Ji effect does a assessment, manage our wealth. So, may realize the extent reached of financial safe, asset increment and financial freedom.

Now, comparison popular manage money means have save, insurance, national debt, stock, fund, futures, foreign exchange, real estate, jewelry, stamp, antique calligraphy and painting, coin and auction article. Manage money regardless of which one means, there is the characteristic of its self and cannot replacingness. This indifferent who good who spoils , risk and profit coexistence. Select which kind of investment combination after all, must basis self actual condition, own risk the ability of bearing comes to decide. Different person should establish , is different to manage money to plan.

In a word, it is absolutely not the patent of rich person to manage money , rich person need to manage money , the person who has no money need to make good financial program more. Even the person of zero asset need to also manage money.For example, one just walks into the university graduate of society, his financial program should value the raising in self actual ability instead of making investment , he may work as well as develop actively the good relation of human communication through getting various certificates and passing with great efforts in order to seek , is better to develop opportunity, salary higher position and work. It should be the major goal of its current stage financial program to get Gao Xin to take in.

Again have only 230 thousand Yuan for example a pair of save, go up have old, there are the little spouses of salaried class , their income per month will spend light completely , has no surplus, and their child will again study at university at once. So, how to support parents with this limited fund , and can study at university for child, at the same time again satisfying life every is necessary? This will be carried out by us, is very good to manage money. According to the financial situation of this family reality, we may make such financial program: In educational aspect, may carry out educational save for child, adopting every month the way stored is stored for two years, until child studies at university for 2 years, the time of level may take out the money of educational save , enjoy preferential interest, interest rate than normal deposit Gao 25% of interest rate. Additionally, they have estate , may do mortgage with estate , do educational loan, so, child studies at university first in year, may get the educational loan of the money of 20 thousand Yuan. At the same time, must consider the program of financial safety , should make some programs of basic medical guarantee and basic regular guarantee for example spouses two persons, this kind of guarantee is very important for them, because they are the life pillars of family, once they have , the words of problem and the education of child realize for the method of having no , old man supports for the method of having no. Now, many families give child merely blindly to buy so such insurance , have neglected is for the safe guarantee of the major creation person of family wealth , this is actually very dangerous. For such family, must make ample guarantee for income source , let this family very safe. This is that individual manages money actually.

Again for example , for one month, take in well-off standard who takes off on 6000 Yuan home, though, the mutual unit of husband and wife stabilizes relatively, benefit is better, and have attended medical insurance, paying have fited the gold of endowment insurance. But this family manage money scheme should be also primary with financial safety also. Besides depositing surely, they manage money the input that should still have safe kind in structure, for example the business for the commercial house, insurance is that family member purchases the personal insurance of suitable quantity. May consider to purchase domestic wealth safe and bonus insurance as well as the personal insurance of suitable quantity , is so besides, get bonus except enjoying minute and the operation result of insurance company, it is minimum to be able to still make the unexpected loss decreasing of family arrive.

Additionally, though in home, child is still reading primary school , but educates consumption level now to rise year by year, after child counts year, entering a higher school to select the cost of school will be as high as ten thousands of Yuans, the various expenses of studying at university are larger. So spouses two may still consider for child carry out educational save. Educating save have do not incorporate the higher characteristic of interest tax and interest rate, the rate of annual interest of the issue educational save of 6 years is 2.79%, zero stores the highest rate of annual interest taken is 1.584% only after( tax), they may use this preferential policy fully , go to bank to open educational save account for child , fix every month to deposit 260 Yuan , child last high school the retrieval Yuans of principal and interest more than 20 thousand, so realize save profit is biggest. As to other manage money kind, for example fried share , stir-fry to remit as well as estate investment, must bear ability on the foundation of financial safety according to own actual financial situation as well as risk to carry out investment combination.

A lifetime of everybody cannot depart from to manage money , lifelong manage money is also to manage own a lifetime as enterprise , program. The daily consumption of short period, the investment of the material, spiritual aspect of mid-term, the long-term plan of living in retirement and guarding against the aspects such as unexpected disease , these are closely linked with the life happiness of our each person.