How should a woman manage her money after marriage? How do female office workers manage their financ

Ten dollars to spend, one money to save.

How do female office workers manage their finances after marriage?

Working women are forced to save for their own monthly living expenses after deducting their necessary monthly living expenses. Such as bank fixed-term, ** fixed investment, treasury bonds, etc. You must definitely control your desires, this money cannot be easily withdrawn.

Generally speaking, you can save 25% of them as current accounts for emergencies and 75% as fixed deposits, so as to restrain your impulse to spend money. Those who can save for a fixed period should try to save for a fixed period of time, and those who can be saved for a whole time should be deposited and withdrawn in a lump sum in order to obtain the maximum expected annualized expected return.

Working women still have 15 years to prepare for their children's college and study abroad expenses after marriage, so they should adopt a prudent and aggressive investment strategy. Based on the 3% growth rate of undergraduate and study abroad expenses, about 750,000 yuan should be prepared for education after 15 years. It is recommended to invest 30,000 yuan per year in the historical expected annualized expected rate of return of 7%**, and after 15 years, you can accumulate 750,000 yuan.

The specific allocation is: growth ****15%, index **50%, bond **35%.

The establishment of a security system is particularly important for working women, for office women with low incomes, if there is no perfect security system after marriage, it is easy to encounter economic crises when encountering accidents or major diseases. Therefore, it is very important for working women to establish a sound security system for themselves after marriage. Don't leave anything to chance, be sure to take social insurance.

On the one hand, working women must learn to make more money and increase their capital in order to spend money more chicly, so they must learn to invest. For example, you can purchase medium- and long-term stable wealth management products such as **, **, P2P, some medium and long-term investment targets, which take less time and are expected to have good annualized expected returns. On the other hand, you should start to develop the habit of saving, and you can withdraw about 10% of your monthly salary as a current or fixed deposit, so that you can improve your life by buying a house or a car in the future.

1. Grasp the financial power and do not limit the reasonable expenses of the husband. If you want to take it first, you must give it first, and if a smart woman wants to firmly grasp the financial power of the family, she must first learn to delegate power.

2. Grasp the financial power, but do not monopolize the power. If you do the above, your husband is very comfortable with your finances, and you can't just take over the power of politics and let it be at your disposal.

3. Establish a correct financial management concept, invest reasonably and have a slight balance. A good housewife knows how to cultivate a correct view of financial management in daily life, knows how to manage money reasonably, can not only ensure the quality of life, but also make reasonable investments, and have the habit of fixed deposits.

4. Develop the habit of recording the daily expenses of Hengtang. Bookkeeping of daily expenses allows you to see your family's income and expenses, so that you can change your financial strategy in a timely manner according to the actual situation. Regardless of whether she is married or not, she must know how to love herself, and she can't forget to invest in herself for the sake of her family.