Two people get married, and lived a happy life. Of course support the happy one is income for two. Just my own two people suddenly form a family, if money is simply merged it? How to pipe good money for two? Is worth Oh.
Financial management of a: consumption, storage, investment, three-pronged
This form of finance people who happen to be reflected under the pressure of modern urban life and a unique set of hedonism, sense of adventure in one of the emotional characteristics.
People love to enjoy, sufficient economic conditions they live do not need to tighten their belts, can fully meet the basic clothing, food, housing, and transportation back to further improve their quality of life. Buy a car, travel to facilitate the life of this kind the consumer moves, adding fun has become the ideal for many families.
By the influence of traditional Chinese culture, people still believe that \"man has no foresight, there shall be immediate worries\" this sentence. In the case of life \"definitive refutation\", many people taking part in a fixed monthly income from the money as bank savings, have not only is the pursuit of a modest profit, more is the guarantee to property and life.
Modern man will spend money and saving money also causes the \"money begets money\", \"compound interest\". They are not content with making \"dead money\", trading stocks, lottery, operating the second industry as diverse so that people may money rolling in, \"a fortune overnight\" means business is himself attracted investment of the public eye.
Husband Mr CHENG 54 departments of a company Manager monthly salary of about 20,000 wife Lady 51 old Gu financial officers around $ 8,000 per month for a newspaper son Cheung 23 New Zealand students
Mr CHENG and his wife money income in the fierce competition in the community is the leader, and their philosophy of is help them conduct life, vigor.
Married for 24 years, they will at least come up with their respective monthly income five to two-thirds into the same account, used for daily consumption of family life, big spending and savings together. For example, in recent years, they moved from small two-room house in more than 100 square meters of three rooms and two halls, has a private car, sending her son to New Zealand to study this part of the cost savings depends on a couple of years is hard.
\"Help establish, minor differences\", in addition to these common consumer, their remaining money, is used to meet personal needs. Way more friends and socializing are, as a Manager, he inevitably often pay for customer; Gu Lady is like trading stocks, most of the petty money into the stock market, she said that the change is not the most important, how important is to pulling off a peace of mind.
Comments on the financial management Division: in General, Chen way of managing money is still desirable. But pay attention to two points: one is to control the investment amount, the second is to pay attention to the risk, risk management measures, if the investments had fallen through and affects basic life, gain.
Financial management of the second: eat bought insurance ran out
This method of financing will often be used \"off the end of the coffin\" in a nutshell. But now more and more families, they are happy to do this \"off the end of the coffin\", they entrusted personal safety insurance Foundation, and then eat ran out, if xiaoxiao voluminous!
Yiqian, lack of material resources, causes people\'s consumption concept are more likely to \"conservative\" and now, material supply, consumer attitudes are gradually \"open\", and even understand the meaning of money is to improve lives, enjoy life, rather than like a miser, while watching a Jinshan yinshan. Modern parents more and more \"in\", consumer attitudes are also becoming more advanced, such a philosophy of \"good\" or \"bad\" evaluation?
Husband du 36 Deputy Manager of a food shop Madam Lee 36 about $ 5,500 per month his wife edited a magazine about $ 3,000 per month daughter Qi Qi 10 pupils
Du and his wife, not only in implementing the AA system on economic management, and in addition to the deposit fee for her daughter, income is spent each month lasts. The middle-aged couple without their age usually some awareness of preventive measures, but much like the prevalence of young white-collar workers in \"Moonlight.\" reasons, the couple spoke with reason.
Du Pont believed that the introduction of AA on the economic system, is a very democratic practice. Because every family member is a separate entity, even couples, should not interfere in each other\'s economic ownership. This is not a strange or regard SB. as an outsider, but a mutual respect. Such respect is not only reduce a lot because of financial differences caused friction, more cultivated a tacit understanding between him and his wife.
Du Pont family of three running all kinds of insurance procedures every year, this can be regarded as a disguised form of savings, compared to save banks, return on investment is small, great. As for how to spend money, du feel that many people consume concept lags behind, because no clear meaning of money. Money itself without any effects, if you don\'t use it for the exchange of goods, like waste paper, only when it can meet the needs of the people, the real dotted the purpose of life is reached, money is necessary.
Therefore, du hard to earn, also have to spend, eat, use cannot be sloppy and his wife, from the clothing, jewellery to cosmetics, everything was brand. In their eyes, my daughter has its own life, do everything possible to pave the way for her to bypass, but would nourish her reliance on psychological. Therefore, life is very important, treat yourself is also important.
Comments on the financial management Division: Mr du has a practice particularly worthy of praise, it is the insurance awareness of modern people should be necessary. However, we believe that a family should still have a certain balance of funds in case of sudden situations occur, because that is
The insurance protection, claims will take time, and suddenly happen, do you wait? Therefore, in the premise of not affecting the actual standard of living, we recommend that every family should have a fixed balance each month.Financial management of three: save save save, save a practical
This form of financing that is dominated by deposits, consumer subsidiary, will each spend as much as possible on the blade, to compression elastic expenditure to achieve the objective of increasing savings. Of course, every expend to does not mean that you want to go back on the blade frugally borders on self-flagellation too far, but in the case of objective conditions allow, promote virtues of diligence and thrift, pursuit of a relatively simple life, a good business in the consumer, in order to get results of value for money.
Husband 52 years a factory workers \' monthly salary of around $ 1700 wife Ms Yang 49 employees of a hospital to be back around $ 1200 per month daughter rain 22 year old college students
Although economic conditions are not superior, but is good at finance and his wife were arranged in good order, enjoyable life.
Mr Zhang is a typical \"man in Shanghai\", since their marriage, the monthly wages collected a lot of ground to the wife, unless there are special circumstances, part he will leave for reserve. Occasional accidents, Mr Zhang capsule strapped inevitably attracted friends made fun of for a while, he was haobujieyi, said the couple\'s money is in a pocket.
However to say money that wives must be master. Total incomes of less than 3,000 dollars a month, remove the rate was relatively stable in water, and other miscellaneous fees, living expenses are controlled at around 25 dollars a day, all the rest of the money put in the Bank, he also has nearly one-second of the income. Little overhead, days not constraints, mobile phones, computers, home DV, is not less than the most modern equipment. How to spend money to buy affordable? That usually had a hobby, is visiting the second-hand market. Who says cheap is no good, many of the newest high-tech products, often go hand prices will destroy several fold. Picked in the second-hand market of more advanced, the eight or nine new, inexpensive commodity, which made him among the friends get \"gold rush\" fame.
Do the life, Be Frank and Open person. Mr Cheung said that he had worked hard to save money for life to daughter, they had no opportunity to spend does not matter, this can easy live your mood is more important than any enjoyment.
Comments on the financial management Division: a family is a family of methods, I think Mr Zhang is from their family\'s economic conditions, find the right financial management. For General double-wage families, buying insurance is all the more important, and particular attention to the protection of insurance so that, even if there is anything, it will not significantly affect quality of life for families. In addition, in the era of one-child \"for the children to work\" parents have more and more, treat their children\'s future, parents had better communication and children, rather than simply help them accumulate wealth than to inculcate a rational concept of financial management.
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