Family financial management is to learn to handle and use money effectively, scientifically and rationally in the family. The key to family financial management is that family members need to have a unified income and reasonable expenses.
At present, many families are lacking in financial management. Many families are still living on the AA system of family expenses, rather than co-owning the management and control of wealth. For example, in a family, both husband and wife contribute 3,000 yuan and are jointly responsible for living expenses. Or if you are responsible for repaying the loan and I am responsible for the household expenses, but the income is managed separately, this kind of family will generally have a debt crisis. There is even a high possibility of a marriage breakdown, because none of the family members wants to give more, they think that if they want to give, they will pay together, otherwise the other will lose money. In fact, the foundation of such a family is not strong.
In the family, if one of our family members hides his income, the other parent will also hide his or her own income. I call this kind of family a cooperative family, and this kind of family is not a family financial management at all. The real family financial management is that all family members hand over their income to a member who can manage the money, and finally enjoy the income and expenses together, so that the family members are more closely related.
Only by carrying out the most scientific means of family financial management can our family become more stable in planning and management, and can the family be harmonious. The most important thing for our family financial management is to learn to calculate. It is to make more of the surplus money profitable. For example, two families. Their monthly income is 20,000 yuan, and one family uses the AA lifestyle, while the other family uses the lifestyle of joint ownership of marital property. Five years later, the combined funds of the AA family may be less than 100,000 yuan. However, if the marital property is jointly owned, and the person in charge of asset management in the family is able to invest and operate, their joint property may exceed $1 million.
As long as we compare, we know that in fact, family financial management needs the most stable marriage and mutual support and help, trust and understanding between husband and wife, not a simple cooperative relationship.
A complete family financial plan can be planned through the following aspects:
The first is the career planning of family members. We say that the wealth of a family comes from the joint efforts of family members. A happy family, their career planning is very clear, but also provides an effective guarantee for them to increase their income. The second is the scientific management between income and expenditure. A family with good planning, they can be able to open up sources and reduce expenditure, be good at planning, arrange the capital structure reasonably, and even their investment will only choose products with relatively low risk. Third, they are able to carry out effective commercial insurance for their family members, rather than blindly pursuing all commercial insurance. Fourth, they subdivide their own debts, and even solve the debt problem through open source. Fifth, be able to make the most correct plan for your present and future.
As long as we develop a sense of financial management and investment skills, wealth will be connected with us. The benefits and advantages of financial planning are that you can make your life more free, and your wealth can serve you effectively and reasonably. Improve our own control over our wealth and avoid over-indebtedness, bankruptcy. Problems arise such as attaching to others in search of financial security.
When we manage our finances, we have to have the most intimate contact with wealth, so that we can have wealth. For a family, only by managing their finances carefully can their wealth grow exponentially.
Financial management secret: Careful financial management, financial growth can be exponential.