Good Planning Allows You To Change From "Monthly Owed Family" To "Bai Fu Mei".

< p > the times are developing so fast that everything likes to play "a href=" //www.sjfzxm.com/news/index_cj.asp "upgrade > /a". Moonlight clan has also been upgraded to the 2 version.

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< p > "month owed family" reflects young people's lack of financial management consciousness.

To get rid of the identity of the monthly minority, we must first change our concept, start planning our wages, cherish our income, and let the value of money live.

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< p > < strong > the first step of salary planning: take your salary seriously. < /strong > < /p >

< p > a lot of people feel that their wages are too low, and they are earning money rather than saving them. So they spend some time complaining and sighing without making any changes.

In a few years, it is estimated that this is still the case, wages are still low, still can not save money.

Each month, the 500 or five year period will be calculated according to the first 5 years' zero deposit, and then every 5 years. The total amount will be 352300.94 yuan after 30 years (55 years old).

Pay less, a month can't even save five hundred? Five hundred no, two hundred.

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< p > < strong > salary plan second steps: understand your income and expenditure < /strong > < /p >

< p > income is not necessarily the money that hits a href= "//www.sjfzxm.com" > salary < /a > Cari every month. There are also money scattered in housing provident fund and medical insurance.

So we still need to know whether the money that hits your card is your total income.

Knowing expenses is actually bookkeeping.

Any account can be recorded for a long time, and we can get very good raw data.

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< p > < strong > wage planning third steps: effective capital management < /strong > < /p >

< p > 1) reserve fund: 3-6 months' expenditure < /p >

< p > this money is mainly used to deal with contingencies in case of accident, real unemployment, company relocation and so on.

One is to use at any time, so the IMF is the best choice. The income is higher than the one year, and the money is flexible.

The amount is best taken from 3 to 6 times the average monthly expenditure last year.

Once appropriated, as soon as possible, the money will not panic.

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< p > 2) saving: more and more good, < /p >

< p > this part of the money can be prepared for long-term goals, such as buying a house, buying a car, children's education, etc.

Because it is a long-term goal, it is reasonable or safe to keep the capital, which can be divided into several parts by a certain proportion: deposit / national debt, without too large amount limit, several hundred thousand can be saved.

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< p > 3) < a href= "//www.sjfzxm.com/news/index_cj.asp" > investment > /a >: it is recommended not to exceed 30% of savings amount < /p >

< p > investment is bound to be risky, so we must invest with spare cash.

Specific proportions can be allocated according to their own risk bearing capacity.

Funds, stocks, precious metals (Ji Cunjin, paper gold paper, silver, etc.) and P2P are all high-risk investments.

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< p > 4) Insurance: essential guarantee after stable work, no more than annual income 10% < /p >

< p > just a few years before taking part in the work, it is still in its infancy, and its work and career direction is not yet sure, it can suspend the steps of commercial insurance, but it is best to choose the purchase before the age of 30.

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< p > < strong > the last step of wage planning: improving the ability to raise salaries is the eternal theme. < /strong > /p >

< p > a lot of newly graduated children always worry about making money too little, how to work part-time and how to open source to improve < a href= "//www.sjfzxm.com" > income < /a >, but we don't know that the biggest source of open source is to improve our ability, to make proper planning for our career path and to bring a qualitative and quantitative leap to salary. This is the ultimate goal of wage planning.

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