How to record a day s expenses in a family s financial management

First of all, we must learn to keep accounts, record daily income and expenditure, know your income and expenditure details, bookkeeping is actually very simple, you can try to use accounting software, simple and convenient, such as Jiameng personal information management software, suitable for the financial planning of the general public. Then it's all about saving and saving as much money as you can for a rainy day. Finally, you should choose a good investment project, according to your actual situation and risk tolerance.

Investment and financial management methods include: **,**,**, insurance, deposits, gold bars, foreign exchange, etc., a variety of but individuals should do what they can according to their actual situation, choose the right investment method for themselves according to their own capital situation and risk tolerance, and do not blindly follow the trend.

Buy a notebook, insist on recording each day's expenses, and settle it once a month. If you have accounting knowledge, you can buy a cash account record.

Many people have a misunderstanding about family financial management, that is, they only record large expenses, ignoring fragmentary expenses, in fact, the amount of fragmented expenses in daily life is not a lot.

The small ledger of this software is divided into flow account, income account, expenditure account and accounts receivable, which can be used for family expenses, target collection, project budget, sales balance management, special expenditure and fund lending records and other aspects, so that the accounts in daily life and work are clearer and clearer.

[You ask, I answer].

Guangzhi Library, you come to ask: [Post the annual account book, what family financial plans do you have? Wealth management handbooks, bookkeeping apps, annual bills, and "small ledgers" help you review the flow of funds over the past year. How to understand the economic situation and how to plan family finances?

In this issue, we invite Baute, Assistant Professor of Economics at Nanyang Technological University in Singapore@Baute Experimental Economics and Finance to interact with you, and ask questions now!

@东城小夜猫: What kind of signals have been released by the new economic situation, and what can we share?

@建云麻醉师: The year-end bonus will be issued soon, what advice do you have for small financial management?

@包特 Experimental Economics and Finance:It depends on your risk appetite. If you tend to be conservative, it's good to buy government bonds.

If you pursue high returns on failure and reform, you can appropriately allocate some**, but you must do a good job of risk prevention. As an entry-level investor, you should avoid high-fee actively managed indices and try to buy low-fee passive indices.

@单边退出: Are you optimistic about the development of China's P2P online lending industry in 2020?

@包特 Experimental Economics and Finance:The future growth rate of the P2P online lending industry will certainly not be as fast as the period of "barbaric madness". From the perspective of further strengthening the norms, making them operate legally and strictly undertaking their due functions, some laws and regulations have been introduced in various places, which can effectively reduce the risk of investors and deter potential problem platforms.

Bright** (2020-01-20 07 edition).