Family Financial Sense
As the saying goes: "eat, wear well, thinking
," I said is poor home the importance of finance. Planned economy, family wants to guarantee
the normal work and life, everything will be affected, this is an important guarantee of the happy family. Below we will come from the
foundation of a common family financial problems.
What is the family financial management
So-called family financial management from concept, is to learn how to effectively and reasonably processed and using money, let oneself of
maximum utility cost, in order to achieve maximum satisfy needs of daily life. In short, the household wealth management principle is the
use of family financial and economic method (mainly only family income and expenditure) for planning and management, enhance the economic
strength, improve the ability to resist risk increases, the family utility. From the perspective of the general speaking, reasonable family
financial will save social resources, improving the social welfare, social stability and development.
From the viewpoint of technology, family financial expenditure is the use of the principle, increase revenue, expenditure, with the most
reasonable save the way to achieve a family hoped to economic goals. This small home appliance equipment, add to travel, to buy, buy room,
children's education funds, reserve until retirement age living arrangement, etc.
The whole family financial planning, it includes three aspects: the first is the content of the family financial goal setting, Second is
the master and current assets debt, Finally, how to use investment channels to increase the family fortune.
The necessity of the family financial management
Along with the growth of family income and wealth and the uncertainty of the market more and more influence to the family's actions, family
financial management (savings and investment) has become a focus. And everyone knows, the generation of society to maintain a family is not
easy, especially can make a family to live a good life more easily. Because their inevitably will involve the necessary economic burden, a
family without at least economic capacity to bear all the family's needs, the bear family will collapse, family members cannot survive in
the family.
How to manage family economy, is a family and a good life the vital problems, therefore, family financial management is in front of every
family should not be ignored. When it comes to family financial management, someone will think, our home still not wealthy, most people are
not high, family income without any extra money can be saved, still talk up what family financial management. Actually, this is not a
correct view. Some of you may not relatives and his income difference but days are richer and small savings. Compared with your own
sometimes richly, this explains every family should take seriously about family financial problems.
What aspects including family finance
Generally speaking, a complete family financial plan includes eight aspects:
1 career planning. Choose a career should correct evaluation of their own personality, ability, hobbies, outlook on life, the second to
collect the jobs, requirements and other information, finally to determine work objectives and plans to achieve this goal.
2 consumption and saving plan. You must decide how much of the year in income for current consumption and children learning software
consumption, such as
Rosetta stone learning software, how to savings. With this plan related tasks is preparing the balance sheet, annual
balance sheets and YuSuanBiao.
3 we plan to debt debt must be management, make its control in an appropriate level, and to reduce borrowing costs.
4 insurance plan. With your success, you have more and more of the fixed assets, you need a property insurance and personal credit
insurance. For your children after you leave can still live happy, you need to life insurance. More importantly, in order to cope with
disease and other accident harm, you need medical insurance, hospitalization medical expenses for your savings will likely.
5 investment plan. When our savings grew up, the most pressing is looking for a portfolio, can put profitable, safety and mobility and
three.
6 retirement plan after retirement pension plans include the consumption and other requirements and how to work in the situation to meet
those needs. On social endowment insurance is not enough, we must have ability to work as a retirement fund accumulation.
7. Heritage plan heritage of the main purpose is to make plans for people in the property tax minimum, mainly inherited person is a proper
wills and a tax measures, such as early as a gift given will be part of property heir.
8. Tax planning is the personal income tax on personal success of the government in the legal foundation, you can adjust their behavior
through to tax avoidance effect
Rosetta stone by: rosettastone1
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