The low income family manages finances three big magic weapons

In the real life, some income not high families as soon asmention manage finances, thought it is one kind of luxury goods, theymostly thought the oneself meager income, does not have " Wealth" May manage. Has never realized, manages finances is the matterwhich is bound by a common cause with the life, so long as is good atgrasping " Three magic weapons " The low income family alsohas possibility " A little at a time mounts up " Achieves" Financial free " Boundary.Magic weapon one: Positively contributes money" The income are few, expends actually many " ------This is a question which the present majority low income family faces.Must gain the family " First barrel golden " First mustreduce the fixed charge, namely immediate expends through the reducedfamily accumulates surplus, then carries on the investment with thesesurplus properties. The low income family may list family each monthof each disbursement a detailed detailed list, carefully analyzes itemby item. In does not affect the life under the premise to reduce thewaste, reduces project the as far as possible and so on shopping,entertainment expense disbursement, guarantees each month to be ablethe surplus part of money.Take the housing as the example, said regarding the low income family,the setting at industry most important principle is " Decidesexpenditures on the basis of income " Take lives in contentmentas the standard, prohibited corrupt greatly strives for luxuriously,reduces 购房the funds total amount as far as possible. May considerfirst buys set of area quite to be small, price relatively cheap二手房, from now on through replacement, " To slightly tradesbig " " To old exchanges " Can directly purchase newbuilding to be more relaxed than some.Magic weapon two: Friendly buys the insuranceSerious illness is hospitalized, frequently is several tenthousand Yuan and even several ten thousand Yuan. A big sickness, maylet the family lose everything is even heavily in debt. Therefore, lowincome family in managing finances time needs to consider whetherpurchases insures sharpens the family risk guard ability, shift risk,thus achieved gets rid of the difficult position the goal.Suggested the low income family chooses the pure safeguard or thesafeguard product, by " Healthy medical service class " Theinsurance primarily, take the accidental danger as the assistance.Specially regarding these social medical service safeguard not highfamily, compared with the ideal insurance plan is the purchasesignificant disease healthy danger, the accident injury medicalservice danger and is hospitalized the expense medical service dangerset meal. If really did not plan spends buys the insurance, suggestedalso must buy the share accidental danger in any event, 11,000 has themisfortune, compensates pays also may alleviate some difficulties forthe family. Considered the low income household income very majorityof all uses in the daily life expenditure and child's educationdisbursement aspect, the safe disbursement take does not surpass thefamily gross income 10% as to be suitable, but insures the emphasispoint also should be an adult which acts the home economics prop role,but is not the child.Magic weapon three: Prudent investmentAs for the low income family that, the wage is often lower,cannot stand up to the big eclipse, therefore, before investment musthave the psychological preparation, first must understand investsappraisal which and repays, also is invests the repayment rate. Mustbasically understand the different investment way the operation, allinvestments way all can have the risk, only is the size, but saidregarding the low income family, the security should be mostimportant. Likes investing any, or thought invests any to be good,besides looked whether there is the investment object does invest thevalue, but also must look at own knowledge and the specialty. Onlyunifies own knowledge specialty investment, the risk can be under theactive control.Low income family each month must complete the paying-out plan,besides the normal expenditure, surplus partially will divide intocertain achievement family foundation fund, will carry on theessential investment to manage finances. At present stock, futuresmarket quotation all not too good, moreover risk bigger, the wagefamily risk bearing capacity is lower, may invest the Renminbi tomanage finances the product, the money market fund and the nationaldebt, like this both can enjoy the corresponding interest rate, andmay drop the Shuicheng river.