Financial Management In Family Formation: First, Guarantee The Re Investment Fund.

For most young people who have just got married, they can only use the remaining funds only if they arrange their expenses reasonably.

Create family account book

For bookkeeping, many people find it difficult to stick to it.

Establishing a family account is not only good for finding out.

In addition to some daily bills, modern families have credit cards, housing loans, stocks and financial products. Obviously, traditional manual bookkeeping methods can no longer adapt to them, so we need to make use of some new financial bookkeeping tools to make the accounts clear and save time and effort.

For family daily expenses, water, electricity, coal, telephone and other daily payments can be directly tied to the bank card, and then using the bank's online banking, you can directly see the payment of household daily expenses. Some banks, such as ICBC's online bank, also provide bill downloads, which can clearly see the special expenditure of payment.

For family capital flows, it is practical to establish account number management and related account between husband and wife.

At present, some banks have already opened such services, with account number management, as long as they log on to online banks, they can show their clear financial statements, balance sheets and other financial statements, and pfer funds in multiple accounts.

The related account between husband and wife is related to the accounts of two people. After entering the Internet bank, we can not only see the balance and paction information of the two sides, but also see the balance sheet and balance sheet of the whole family.

For household investment accounting, investment accounting tools are much more complicated than simple accounting instruments, because the value of investment products, such as stocks, is constantly changing with market changes.

Therefore, it is suggested to make a form on the home computer, record daily investment value of stock market value and fund net value, and set a formula to calculate the total profit and loss, so that the investment income of the family will be clear everyday.

In addition, there are many websites for family bookkeeping on the Internet now, which can be selected and tried.

In addition, centralized voucher can also be a supplementary work for bookkeeping. For example, when shopping for invoices, bookkeeping, time, amount, name and other items are clear.

In addition, the bank withholding documents, donations, credit receipts, credit card bills and deposit and withdrawal documents should be kept in favor of life and consumption.

First, guarantee reinvestment.

When a family has been established, it is necessary to make financial planning with the whole family as a unit, and leave enough liquidity to prevent accidents.

How to ensure the improvement? We should consider the following aspects.

Property plan.

Buying a house is the most important and complicated matter of financial management.

For newly married couples who have not yet bought a house, they should first set targets and calculate the required funds, such as buying a house with a total price of 1 million yuan after 5 years. If the loan is expected to be 80%, they must prepare about 200 thousand yuan of their own funds. Secondly, for the preparation of 200 thousand yuan, it is recommended to adopt the regular fixed investment fund. The amount of investment is about 2583 yuan per month. Assuming that the average annual rate of return is 10%, the investment can be saved by 200 thousand yuan.

At the same time, we can also buy stock funds.