It is very necessary to prepare some cash at home every day. You never know when something unexpected will happen. Having some cash at home can solve the temporary difficulties. It is even possible that it can save lives.

the purpose of keeping a reserve fund at home

is to prevent large-scale power failure, water cut-off, and even cell phone failure. Because at that time, scanning code payment was useless and could not be used. For example, some cities suddenly flooded, and power and water were cut off in a short time, and there was no signal on the mobile phone. Many people were affected by the disaster and were trapped at home or at work. Although there is a flood, we have to eat. However, mobile phones can't be traded in non-cash. When you go to the supermarket to buy daily necessities, you must use cash.

If we can have ready cash at home at this time, we can overcome the immediate difficulties. Like many people don't like to reserve cash, it's really cool. There are many people who have no cash, even use their ID cards as collateral, just asking for something to eat. So, be sure to keep some cash at home. Don't ask too much, just a thousand dollars. In addition, it is best to bring some cash with you. In case you are trapped somewhere and far from home. This 1 yuan in cash will get you through a day or two.

Ways to get the reserve fund

1. You can set up a reserve fund through your own funds

It has been the practice since ancient times to set up a reserve fund pool with your own funds. In the past, many ordinary people put emergency money under their pillows, because at that time, the traffic was inconvenient and it was inconvenient to withdraw cash. In case someone was hospitalized at night, there would be no money, so many people are still used to using free cash as a reserve fund.

2. Nowadays, people can use credit cards as reserve funds

With the development of financial business, the way for ordinary people to raise funds is not limited to their own funds. As long as your credit is good enough, you can apply for a credit card from the bank, and some credit cards have a very high limit. It is also common for a credit card to exceed 5, yuan or 1, yuan. If the credit card limit in your hand is relatively high, you can completely save a lot of cash, so you can put your own funds.

3. You can raise a reserve fund by borrowing

As a reserve fund, the money you can borrow can also be counted as a reserve fund. If you encounter an emergency, the funds you can raise through your relatives and friends can solve the problem. Even now, many peer-to-peer lending platforms can raise a reserve fund, such as Alipay's flower bank, borrowing bank, JD.COM gold bar, and some p2p online lending platforms. It is often necessary to pay a certain amount of interest, especially the interest rate of online lending platform is very high, and the interest rate of private lending is relatively loose by the Supreme Court. The annualized interest rate of 24% is protected by law, so we must be cautious when using private lending as a reserve fund.

How to deposit the petty cash, and how much

Part I: Nowadays, paper money is rarely used, and the place where it is most used is with gifts. Others are basically payment by scanning code or transfer.

the second part: if there are children at home, of course, we should leave enough money for the children. The children are mainly milk powder, living expenses and clothes. Generally, it is a quarter's expense. Don't pay for the milk powder if the child is older. Then it's the extra-long class, the tuition fee and tuition fee (it's good to keep the tuition fee one or two months in advance). Of course, this part of the money is put in the baby, which is not only safe, but also profitable and flexible.

the third part: the expenses of adults are determined according to the stability of income and occupation. Two months with stable work is appropriate, three months with abundant funds, unstable work or large income fluctuations, and more appropriately retained. Generally speaking, 21 months is enough without big consumption.

the fourth part: and most importantly, emergency funds, sudden illness, accidents, need to be hospitalized, emergency funds start at 5 yuan, at least the first and second hospital expenses can be paid, and I keep basically 1, yuan. This part and the third part are also put in the baby, so there are benefits without using them, which is much more cost-effective than putting them in the bank card at home many years ago.

Part V: Part V is not fixed, such as mortgage loans, such as car loans. I suggest that this part should be transferred two days before the deadline, and it is usually thrown into the baby. Many people put their wages in the card half a month in advance. For example, for a mortgage of 4, yuan, there is a loss of 3 to 4 cents a day, and the monthly loss is almost 6 yuan, which is 7 yuan a year, and the mortgage of 1,4 yuan in 2 years is gone. It's just a small habit. There are 14 here and 14 there. There are too many projects and a long time. It's either 14 or 14,. So many times, pay attention to the following details. Financial management is everywhere. It's not that you can't make money, but the details steal your money.

Generally speaking, the reserve fund should be one fifth of the annual consumption plus 5, extra-urgent funds, which should be raised appropriately before payment. Remember where the interest is high, but be careful to avoid risks and save lives.