When people reach middle age, every day when they open their eyes and go out is a matter of spending money.
This made me deeply understand that "money is not everything, but it can solve most of life's problems".
I think that as we grow older, we have accumulated a lot of experience and experience, and it is unlikely that some people will feel that talking about money hurts their feelings and is ashamed of talking about money, right?
I'm used to planning ahead, and the same is true when it comes to money.
Therefore, I have prepared five earmarked funds. I'm sharing it with you in the hope of giving you some inspiration.
01
Three to six months of living expenses, this money can also be understood as an emergency reserve.
In this year's hit TV series "Walking with the Phoenix", the only ancient god said: "Before the trouble became big, I controlled it."
It can be seen from this that Xingzhi Shenjun has a more thorough understanding of the sentence "people have no long-term worries, they must have near-term worries".
Mighty as a god can encounter tricky things, let alone us mortals?
Planning ahead for the emergency reserve as our backhand, plan B, can provide us with a buffer in the face of crisis when life or work is in trouble, leaving room to deal with the uncertainties of life calmly.
As Warren Buffett said, "It's only when the tide goes out that you know who's been swimming naked".
With an emergency fund, we can stay on top of our lives when the tide goes out.
02
Money for parents in emergencies
If the parents are financially capable and do not need financial support for their children, this item can be ignored.
In ordinary families like ours, the monthly pension of parents is very small, and more rely on the support and care of their children.
For me, my parents' life-saving money had to be kept.
Once, when my parents were sick at the same time, I queued up for the emergency room, and then I had various examinations and tests, and I really realized what it means to spend money like water.
Money has become a number, and it is gone in a flash.
The parents finally got the infusion, and they were arranged in different wards, and they had to go to the machine from time to time to check whether the examination report came out while running at both ends.
Running around all night, going upstairs and downstairs, was really super tiring.
Through the experience of my parents being hospitalized, I think it is very necessary to plan in advance for "the money that parents will need for emergencies", whether it is to see a doctor or hire a nurse, you need to have a financial foundation as support.
03
A fund for the growth of the child
Why not just call it an education fund?
Because the daughter's growth fund is not necessarily used for college tuition, it may also be the start-up capital for starting a business.
She has big dreams, although no one knows how the future will develop, but she has to do something for her dreams, right?
For example, a dream piggy bank program or a start-up fund.
If you have read my previous article on cultivating children's financial intelligence, first being a self-disciplined parent, and then cultivating a self-disciplined child, you may have found:
In addition to the income from the New Year's holidays, part of the daughter's growth fund is the income earned by her good habits and standards.
My daughter's money has always been managed by me, and I bought low-risk and medium-risk products for her to make a growth fund portfolio in order to realize the growth of her wealth.
As ordinary people, we from ordinary families, the greatest support we can give our children is to give her the ability to be self-reliant in the future and make choices according to her own wishes.
I believe that this growth fund will provide a sense of security for my daughter in the future!
04
Own pension reserves
Although I have pension insurance, I have always had my own pension plan, but my income is low and my progress is slow.
I have successively done a combination of compulsory savings and old age. In the end, after a lot of trial and error with real money, I found a way that suited my pace and risk tolerance.
Planning for your pension in advance is to lay the foundation for your future. I believe that "bringing an umbrella and dry food" will not treat you badly.
With money in my hands, I don't panic, and I hope that my old age will be decent and comfortable.
05
Self-improvement, leisure and entertainment fund
People live a lifetime, whether they are pushed by life or subjective will, they always have to integrate into the environment and adapt to the current changes.
Self-improvement is a great way to adapt to change. You can be self-taught, or you can pay for your knowledge and exchange money for the fruits of someone else's labor or experience.
Proper knowledge is paid, and I'm not disgusted. After all, people always have their own shortcomings, and it is also a good deal to learn from others' strengths to make up for their own shortcomings.
In addition, leisure and entertainment are also a part of life, and proper relaxation and enjoyment can make us better face the pressure of life.
All in all, these five sums of money, for middle-aged women, are not only a commitment to the current responsibility, but also a good expectation for the future life.
Planning in advance allows us to be more calm and confident in the face of the ups and downs of life.
Let's work together to plan ahead and protect our future!
· END