How do families manage their finances?

I think the problems that small families should consider in financial management are: first, avoiding risks, and second, rational distribution.

Generally speaking, family financial management should be divided into two aspects. One is current savings, and part of it is kept in Yu 'ebao, accounting for about 20-30% in case of emergency. Second, 70% will be deposited regularly, and the regular interest rate is high, which is conducive to rational financial management.

I won't talk about this part of the current account, as everyone knows.

On a regular basis, I suggest diversifying your investments and not putting your eggs in one basket. On the one hand, diversified investment can observe the effect of each platform, on the other hand, it can effectively avoid risks.

Investment funds and P2P platforms can be decentralized. Stocks are really not recommended, which is a point I often mention. The fund income is not bad, higher than the current period and lower than the P2P platform.

P2P platform is very popular in recent years, mainly because of its high income and simple and convenient operation. An APP can operate. At present, the income of P2P is higher than that of funds, and its security is slightly lower than that of funds. If you want to consider security, I recommend a P2P platform, such as Rabbit Financial Services. This project is connected with Minsheng P2P Bank with high security. And the income will not be low. This can be considered.

The first is the four-point savings method, which is suitable for small idle funds that will be used within one year, but the interest will be much higher than that of current savings when using this method, and the required amount can be withdrawn with minimum loss. Specifically, if this amount is 10000 yuan, then divide this 10000 yuan into four different amounts, such as 1000 yuan, 2000 yuan, 3000 yuan and 4000 yuan, and then deposit them into the rabbit financial platform of Minsheng Bank respectively.

In this way, according to the current one-year fixed deposit rate of 9%, you can get interest 900 yuan, which is more than 600 yuan more than the duration. The other is the alternate saving method, which is suitable for people who have more spare money and will not use it within one year. Take 10000 yuan as an example. Divide this 10000 yuan into two equal parts, each of which is 5000 yuan, and deposit it into the fixed deposit with a half-year period and a 1 year period respectively. The deposit due after half a year is called 1 year, and both 1 year deposits are set to automatic rollover. In this way, when you need money after half a year, you can have an expired certificate of deposit to withdraw it.

There is also the relay savings method, which is more flexible than the alternating savings method and can basically replace the daily current savings. The specific operation method is, assuming that the investor deposits 5,000 yuan in the bank every month, then deposit this 5,000 yuan in a three-month fixed deposit for three consecutive months. In this way, the deposit of 5000 yuan deposited in the fourth month and the first month arrived.

Small family financial management, it is recommended to grasp these:

Wife and husband's salary cards are kept by one person, preferably the careful and stingy one at home. But it is also a good way to supervise each other and ensure that the other party can receive SMS reminders when there is money in and out of the salary card.

Generally speaking, the overall planning of food, clothing, housing and transportation for a month means that the daily planning should be done within a general scope within a month, and it cannot exceed too much, so as to achieve a relatively fixed expenditure for a month.

Major expenses should be carefully thought out, and you can't just make moves, such as buying critical illness insurance and children's education insurance at home, going out of the province or even traveling abroad, and eating out for a month. These one-time expenditures of more than 300 to 500 yuan should be cautious and not too casual, so as to save money.

Open source links should be as open as possible, such as using new media to write articles and making small videos to generate income. If you have other skills in your daily life, you can try to find some part-time jobs to earn legitimate income.