How to do a good job in family finance? How to manage your family finances

Learn more, ask more, watch more, and participate more. Don't do single product financial management, but structured financial management. According to the situation of your family and your ability to bear risks, choose the corresponding financial channels, products, and financial planning.

In today's society, financial management has become a kind of service, service can be a commodity, there will be differences in goods, there will be differences in comparison, comparison requires knowledge, knowledge has to rely on professionalism, and professionalism has to find professionals.

Personal view of financial management: open source and reduce expenditure, and live within your means.

This is a real score situation.

Let's say you're a family of three.

Give less than 20% of your annual income to your children and husband, and it is best to do financial management and critical illness insurance for yourself.

Deposit is a must, every month according to your family's habits (minus the money to pay insurance). or not affect the quality of life.

I don't know if you have saved some savings now, if so, more than 5w. Go to major banks to consult bank finance.

Generally, it is a minimum deposit of 5w or 10w (the higher the income, the higher the threshold for wealth management products).

All of the above are relatively low-risk and are the basis for choosing financial management.

Secondly, if you still have the energy and have some relevant expertise. You can consider doing foreign exchange, spot, ** and so on.

However, I personally feel that the key to family financial management is to be stable. If you can stick to the above 2 points, put them into practice and do them well. I believe that your family's life will be managed by you.

Good luck ha.

You can use family financial management software, such as Jiameng personal information management software, which can help record income and expenditure, manage physical assets, and carry out family financial planning, such as consumption plans, insurance plans, medical plans, children's education plans, etc., and more powerfully, this software can make financial budgets for income and expenditure to achieve excess expenditure control. Its report analysis capabilities are relatively easy to use.

The specific situation is analyzed on a case-by-case basis, and simply put, it is to open up sources and reduce expenditure, and the money is used on the cutting edge.

If you don't manage your money, your money won't care about you.

The law of family financial management 1 4321 At present, the more practical family asset allocation ratio can be simply summarized as the 4321 law, 40% of the family's income is used for housing and other investments; 30% of the income is spent on household living expenses; 20% of the income is used to save for the family's emergency needs; 10% of the income is spent on insurance. Experts remind investors that "don't put all your eggs in one basket", and the allocation ratio of 4321 family assets also uses this investment philosophy to minimize the risk of family financial management.

The law of family financial management 2 80 family financial management process must involve investment, through investment to maintain and increase the value of assets, then how much is the appropriate proportion of risky investment in family financial management, you can refer to the law of 80, for (80 - age)%. For example, if you are 30 years old, you can invest 50% of your assets in high-risk products; If you are 70 years old, it is advisable to invest in high-risk products at 10%. Experts said that the older the age, the smaller the proportion of participation in risky investment, like the elderly financial management, should be the first choice, such as fixed deposits, treasury bonds, bank capital-guaranteed wealth management products, fixed income wealth management and other low-risk investment methods.

According to industry insiders, the Double 10 Law is mainly to help families set the most appropriate amount of insurance, which is generally 10 times the annual income of the family, and the proportion of premium expenditure should be 10% of the annual income of the family. For example, if your family's annual income is 100,000 yuan, then the total annual expenditure of family premiums does not exceed 10,000 yuan, and the insured amount of the product should reach 1 million yuan.