What are some practical tips for managing your finances at home?

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I say my own personal experience, not copied from the internet.

3600 + 1300 - 2000 = 2900, right?

If you have a house, you are not allowed to buy a car, and you have insurance. Then you have to consider the following aspects.

1. Child. Now children are the lifeblood of every parent, and they can live a hard and simple life, but they will not treat children badly, so now many businesses say that there are two kinds of people in this world who make money easily, one is a woman, and one is a child. She is only three years old now, but you also have to think a lot about her in the future, such as going to school, children's daily consumption expenses, etc., because as she grows up, there will be more places to spend money, so you have to consider keeping a copy for her in the little 2900 you have left.

2. Human affection. When we reach adulthood, we all have our own social circle, today classmates get married, tomorrow friends make wine. You have to think about this, I have a deep understanding of this, looking at the few pennies I have worked so hard to save today, this tomorrow, and that tomorrow, the feeling of the waist bag slowly thinning is really a little, hehe, so you keep another copy.

3. Birth, old age, sickness and death, accidents. Although many times many friends are reluctant to mention this, but not afraid of 10,000 in case, both of you husband and wife have insurance, but you still have a baby, and parents, although this probability in daily life is very small, but this thing is unavoidable, you don't know when it will come, so you also think more about the family. So, landlord, you'll have to pay for another one.

4, we are all young people, everyone hopes that they have a good birth, but hope is hope, fate is so strange, because not everyone is born with a golden spoon, so there is no good birth, so a good future is not exaggerated, right?!

So you have to set aside a part for your future career to make a career and save money!

To sum up, according to my own experience, I can buy my own business savings to buy fixed investment products, because I am not in a hurry to use it now, and the rest of the money can buy the current common currency**, and the general income is now about 4%, and it is still principal-guaranteed, so I am not afraid that the money will be gone. When you need it urgently, you can pick it up in time, and it is more convenient to pick it up.

Talent is limited, I hope to help the landlord If you have good suggestions, you can also share them with me.

What is Family Finance? How to do a good job of family financial planning?

There are too many places to spend money, and it can be said that making money is like catching ghosts, and spending money is like running water. Financial management, on the surface, is to take care of money and spend reasonably, but in essence, there is no difference, it is related to married life, parent-child education, and even personal future choices. A sound family financial plan is the magic weapon to solve many problems.

The husband and wife have a monthly income of 4,900 and a monthly expenditure of 2,000, and they need to face the education of their children and the risk insurance of a family of three in the future.

First of all, to ensure that 6-12 months of family expenditure, that is, 10,000 yuan as a family emergency reserve, can be invested in all kinds of baby products with low risk, that is, currency**, the threshold is low, and the annualized income is about 4%.

Secondly, the family's insurance planning: accident insurance, medical insurance, critical illness insurance in turn, if you still have the ability to consider the life insurance of the family pillar, the insurance amount covers the family's expenses for 3-5 years, and the children's education and the other half and the parents' pension.

Finally, accumulate funds to put into production P2B online loans, choose a standardized and reliable company, generally between 7% and 15% per annum, and the threshold for online operation is slightly lower.

...... should be tailored to the individual's specific situation

First of all, you must have a financial goal, then choose the right financial tools, make a plan, and finally resolutely implement it, and adjust it in time according to the actual situation in the process.

I wish you all the best!

According to the family's income, expenditure, and personnel composition of the specific arrangement, the general recommendation is to deposit, wealth management products, insurance, currency** and other investment methods, according to their own situation.

Here are some suggestions:

1.Create a budget: Create a detailed budget plan that includes monthly income and expenses, as well as savings goals. When creating a budget, you should take into account the spending on necessities and non-essential items, as well as the ratio of investment and savings.

2.Savings: Save a portion of your income to build an emergency savings fund for a rainy day. In addition, long-term savings such as pensions, education**, and investments** should also be considered.

3.Investment: Understand the basics of investing, and consider investing in some long-term, stable investment products, such as **, bonds, real estate**, etc. At the same time, you should choose the investment products that are suitable for you according to your own risk tolerance.

4.Reduce debt: Reduce high-interest debt, such as credit card debt and personal loans, as much as possible. If there is debt, it should be prioritized to pay off the debt with high interest rates.

5.Learn about financial literacy: Understand the basics of financial management, such as investment strategy, risk management, and tax planning. Continuously improve your financial skills by reading books, taking financial courses, and consulting with professionals.

6.Continuous monitoring: Regularly monitor your financial plan and adjust it. If you find yourself in trouble with your savings or investment plan, you should make adjustments in time.

Financial planning should take into account three factors: risk, profitability and liquidity.

Financial planning requires you to first analyze your financial situation, including your assets, liabilities, income and expenses.

Financial planning should have appropriate goals and long-term persistence and continuous optimization.

1. When you are doing financial security planning services for a family, you must first identify the family members"Risk attitudes"with"Risk tolerance"。

Risk attitudes can be divided into three categories:

1. Risk-averse; 2. Risk-neutral; 3. Risk-seeking type.

At the same time, you should analyze the limitations of rational thinking on risk judgment, including psychological factors and objective law factors. Properly assessing a client's risk tolerance will not only help improve client relationships, but also reduce the likelihood of being sued by a client for the actual benefit being lower than expected. To do this, you can design a Financial Risk Tolerance Questionnaire.

Second, you need to help the family analyze the risks it will face in the future.

This"Risks"The following sections are included:

1. Personal risk of family members;

2. Risk of loss of family property;

3. Risk of loss of family liability. In the second step, you can also design a Risk Identification Questionnaire. Of course, to assess these risks, you have to quantify them, you have to get the same opinion with the other party, and you have to make the client very much agree with you and your expertise.

3. Give the family a piece of advice, of course, one or more insurance plans, and make a professional explanation.

Fourth, to provide practical services. Roughly like this, I will consider these specific questions, of course, I can make professional explanations for each link, but I believe you can do it! Thank you!

1.Set up emergency savings**: A savings account should be set up in a bank or other financial institution for emergencies, such as job loss or unexpected expenses.

2.Determine a budget: Create a monthly budget that lists income and expenses to better manage your money.

3.Do a good job of financial planning: Don't just focus on immediate consumption, but also consider future financial needs, such as pension and children's education**.

4.Be cautious when borrowing: If you need to borrow, make sure you only borrow the amount you need and repay it within the repayment deadline.

6.Avoid overspending: Don't give up long-term financial health for short-term pleasures, and overspending and unnecessary spending should be avoided.

7.Insurance is necessary: Buying health insurance, vehicle insurance, and home insurance can help people reduce financial stress in the event of an unforeseen event.

8.Diversify your money: Instead of putting all your money into the same investment style, you should diversify your money to reduce risk.