Three Magic Weapons For Low Income Families To Manage Finances

Magic number one: live within our means.

"Everyone wants to live a little bit, dress better, get rich and envy, so there are many people who are more than their own.

The "netizen" milkshake says that she and her husband insist on "how much ability they can enjoy and how to enjoy life" in the details of houses and ordinary life.

On the house, "milkshake" and husband are currently living in a less than 80 square meters of second-hand housing.

"In 2007, I had the opportunity to buy a 120 square meter house with a loft, with a total price of 1 million 380 thousand.

My husband and I can add up to 1 million 150 thousand of our parents' support.

Netizen milkshake and husband's monthly income is only about 7000 yuan. If they buy this suite, they will not only empty their parents' savings, but also have to repay more than 1000 yuan a month.

In order not to affect the parents' pension and their quality of life, the milkshake eventually abandoned the big house.

In addition, in the clothing, cosmetics and other aspects, "milkshake" has played the "housewife" the biggest "wisdom and ability", in addition to adhere to the "less excellent" boutique route, the netizen "milk shake" to the fine maintenance and love of the clothes, not only let her and family wear is always tasteful, but also very little waste.

"My salary card and credit card are all one.

"Everyday life can be swiped all by credit card, or even help the unit purchase or help relatives and friends to buy things, we all put the money in my salary card first, and then take the credit card to bind the card to purchase.

The "netizen" milk shake has accumulated lots of credit cards.

"In addition to the credit card score, I paid a short-term financial variety to the payroll card. If you put in the money for a week, you will have interest higher than the bank.

In 10 days from the credit card repayment, I will solve this kind of financial variety, pfer the salary card to the current period, to the repayment day bank automatically put the money off the "milkshake" said, in spite of the trouble, but every month can receive a few yuan to dozens of yuan interest, a year down to save a hundred and eight hundred interest is not a problem.

Magic weapon three: a reasonable mix of financial products

"I am a conservative financial manager.

At present, there are only four ways of managing money at home: savings, funds, insurance and fund-raising.

In the four way of managing the milk shake, savings account for about 70%, fund raising 20%, fund 7%, insurance 2% (insurance has been bought for 1 years, and next year we plan to invest 15 thousand yuan annually).

"We are a public institution, raising funds is relatively guaranteed, the annual interest rate of 100 thousand yuan is 5%, I think it is OK, and I have saved 100 thousand with my husband. I have taken back the three interest, and the unit also gives 500 yuan reward fee every two years.

"Now that the unit is no longer fundraising," milkshake "is very grateful for its bold and wise investment.

"For funds, I did not choose to vote, because I do not have no time to see the plate.

I bought it when it was around 4000 in 2008. What I gave myself was that if the market was less than 3000, I would go in a little, make a profit of 30%, and I would go out. The market was below 3000 and I would go in again.

"In December 2008, when the market was around 1800, the milkshake bought 20 thousand yuan, and it turned over and turned over. Now it has made more than 20 thousand.

"I am not greedy, even if the situation is better, the most profitable 50%, I will redeem it.

As "conservatives" milkshakes, while preserving their strength, they also succeeded in earning small families.

Expert advice

In the above example, we saw a housewife with good family financial management consciousness and ability.

Not only can the long-term savings of families be built, but also the expectation of family property accumulation can be enhanced, and the worries about future expenditures can be alleviated. It is also helpful to promote family harmony under good expectations.

The use of credit card repayment time difference, various preferential measures can also achieve the accumulation of sand and become a tower.

A reasonable combination of financial management varieties, in the case of the housewife is based on their actual situation and expectations of a combination, long-term harvest.

Suggestion: every family should make a running account for each month's expenditure and categorize it. On this basis, we must measure the monthly household's necessary expenses and the needs of financial management and savings, and leave room for flexibility. Secondly, we should make good financial planning and choose different financial products according to our actual situation. For example, young people who go to work soon can choose some radical stocks and stock funds. The middle-aged people should pay attention to some financial management products such as life insurance and children's education.

For those who lack the sense of financial management, they may choose to set their own funds to restrict themselves and carry out passive financial management.

Finally, we suggest that we should start with the dots around us, make full use of some resources that we can get now and make use of them. Credit cards, coupons, discount cards, integral exchange and short term bank savings products are all good choices.