1, our family's cash can generally exceed 1! Because our family is in Guangdong (my dad is there), my hometown is Guangxi, and my husband's hometown is Gansu. Generally, we seldom go back to our hometown, and there are few human contacts, so we hardly need cash at ordinary times!

2, the card reserve fund! This is not necessarily, there is no preparation, so there is no such thing as how much to prepare! In recent years, because of the mortgage renovation loan, there is almost no deposit. These two things, together with the usual daily expenses and children's tuition fees, have nothing left! Therefore, there is no financial management in our family, mainly because there is no reason [covering your face ]

So I think your question should be decided according to the composition of each family, income and expenditure!

The so-called reserve fund refers to the funds that a family can raise immediately in case of an emergency. As for how much is appropriate, each family may be different. My psychological safety range is about 2, yuan.

But this does not mean that there must be 2, yuan in cash in the current deposit, as long as the funds you can raise in a short time can reach this amount. Now, with the development of the financial industry, the ways for ordinary people to obtain reserve funds have also increased.

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

Using your own funds to set up a reserve fund pool has been a practice since ancient times. In the past, many ordinary people put emergency money under their pillows, because at that time, transportation 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. Now people can use credit cards as reserve funds

With the development of financial business, the way people raise funds is not limited to free funds. As long as your credit is good enough, you can apply for a credit card from the bank, and the credit card quota is still very high. It is also very common for a credit card to exceed 5, yuan or 1, yuan. If the credit card quota in your hand is relatively high, you don't need to prepare a lot of cash. In this way, free funds can be taken out for investment and financial management. For example, some people put their money in money funds and spend all their money with credit cards, making full use of the interest-free period of credit cards for financial management.

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 Supreme Court's interest rate for private lending is relatively loose. The annualized interest rate of 24% is protected by law, so we must be cautious when using private lending as a reserve fund.

Of course, in addition to the above methods, you may have other ways to raise the reserve fund, such as borrowing money from the company, pledging loans, etc. My main way to raise the reserve fund now is credit card. I don't know what your usual main way of raising the reserve fund is. If you have any good methods, please share them with us.

to give a short answer, my family's reserve fund is generally enough for half a year, about 2,.

This epidemic has affected many industries, such as catering, tourism, entertainment, transportation and so on. If people close their doors, they will have no income, so they can only live on their laurels. The bosses are okay. Many employees in related industries have either reduced their wages or delayed their wages, and some have directly lost their jobs.

These people should be a very difficult group at present. If they have mortgage or car loan, it will be even more difficult. After all, mortgage or car loan can't be exempted because of the epidemic, and they have to be repaid on time.

This incident tells us that it is necessary to keep a reserve fund. After all, people who have no long-term worries will have near worries, and they have enough reserve fund in their hands. When an accident comes, they can cope with the expenses for a period of time even if they have no income.

so, how much cash should I keep? I think it is ideal to keep a reserve fund for about 3-6 months. If it is prudent, it is best to keep it for 6 months.

For my family, the monthly expenses are about 4-5 thousand. Considering that the expenses can be reduced in special periods, it is enough to leave 2 thousand. In fact, my family has been doing this for a long time, and has always kept the habit of keeping 2 thousand yuan in Alipay in case of emergency.

from the perspective of financial management, this is a sound financial management concept, and it is better to sacrifice part of the income and keep a sufficient margin of safety. The current economic environment is not very good. If the work is not stable, it is even more necessary to leave enough reserve funds.

However, if you have mortgage or car loan, you should also take them into account and prepare for the worst. You should keep money in your hand that will not be in trouble for about half a year even if you are unemployed and have no income. This money can usually be deposited in Alipay to buy money funds, etc., to ensure liquidity, and can be taken out at any time when it is needed.

As for putting the petty cash at home, I think you should put more money if you earn more, and less if you earn less. Now it doesn't matter, because many people have various forms of payment, such as Alipay, so how much money you put is very arbitrary.

In the past, when there were no mobile payment methods such as WeChat and Alipay, the reserve fund at home was usually around 3, to 5, yuan. Of course, the current deposit in Cary is generally guaranteed to be around 1, to 2, yuan. The total number must be twenty thousand or more, because I think this number can cope with emergencies. Even if it's not enough, you can cope with it for a few days and win time for raising funds in the future.

Now that mobile payment is so convenient, the cash at home is basically one or two thousand or even less than one thousand. Except for the requirement that cash must be used, mobile payment is generally used. Now there is no current deposit in the card. If there is an account, it will be transferred to Yu 'ebao or Licaitong. Even preparing to deposit money for a fixed period of one year has made me transfer here, with flexible withdrawal and high interest rate, and the interest rate is cashed in every day. It's more cost-effective than keeping it in the bank regularly. Why not?

my family's reserve fund is generally kept at around 2, to 3,. It can't be moved at home, because there is an old man in his nineties at home, and he is afraid to save for a rainy day in case of an emergency.

as for the family's living expenses, it is enough to leave 3, to 5, yuan after paying wages every month. One is to be afraid of weddings and funerals, and the other is to spend daily expenses. Save the rest for future pension. The old couple's monthly income is a little more than 1 thousand, which seems not small, but although their daughters are married, aren't all parents thinking about their children? The young couple can say that we provide more than 8% of their daily meals. Except on weekends, the young couple basically go back to my home for dinner after work and then go back to their small home to sleep.

every year in July, we buy the electricity fee for the whole year in a unified way, and charge 4, yuan at a time. The electricity fee for each of my two residences is 2, yuan. Before heating in October, we buy natural gas, which is about 8, to 1, yuan. (The heating fee for wall-hung boilers) It is still spread out in two places. Then there is the phone bill that must be paid several hundred yuan every month, and I also buy some clothes in the new year's festival, but it is not frequent, just enough to wear. In late spring and early summer, I will do a comprehensive physical examination to ensure my health (free of charge by the organization and the state), and solve the problem in time. The rest is the cost of eating and drinking.

wechat payment is popular now, and you can pay for large expenses by transfer. You don't have to worry about getting back fake money or having virus contact, so there is not much reserve fund except a fixed emergency fund.

the above is my daily life arrangement. there is no vigorous prosperity, only peace as plain as water.

Husband and wife live together, and I am the main purchaser of household goods and diet. Living in the center of the city, five minutes away, three state-owned banks and a local bank all have 24-hour ATMs. Like online shopping, shopping, supermarkets, individual vendors and other daily shopping expenses are never paid by mobile phone. The petty cash at home is also the cash in the wallet, usually the husband is 1 to 15; My own 3 to 5, at this time it is 41. On holidays or when the son's family comes back, the cash in the wallet doubles. Leave enough cash, just for convenience, and it costs a lot. If you have personal feelings, you don't have to make arrangements now, and it's not embarrassing to use it.

how much do you usually keep in your family?

let me first talk about what is the family reserve fund. The reserve fund refers to the funds that a family can get at once to deal with emergencies. As for how much is appropriate? I think every family has different conditions, so the reserve fund is different. There are elderly people and patients at home, so you should prepare more at ordinary times.

I am an old man who is nearly 6 years old. I am ill and have high blood pressure. Although I have a monthly pension of 3,5 yuan, I must prepare a reserve fund just in case.

My reserve fund is a bank card, and 2, yuan is tied to my mobile phone, so I can pay it at any time. ② Keep 1, yuan in cash at home, just in case. ③ Smart deposit, which can be withdrawn at any time under special circumstances. I suggest that the remaining cash can be deposited in time deposits and financial management, which can increase income.

I think having 3, yuan as a family emergency reserve fund can solve all emergencies. What do you think?

Let me share my real experience with you:

A full-time baby-sitter, after giving birth, didn't even know that she needed a reserve fund at home, because she used a credit card when she went out. Occasionally put a thousand and eight dollars in the corner, and I don't know where to put it when I use it.

after I put the reserve fund into my second child, my child was ill and went to the hospital in the early hours of the morning. Before I left, I thought that I could use Alipay WeChat, regardless of whether I took cash or not. But after I went, there was really no money in my child's medical insurance card. When I needed to recharge it, I was stupid. WeChat Alipay could be used, but I didn't remember the child's ID number and I couldn't recharge it. I can only call my father who works in other places, but he doesn't remember either. At two o'clock in the morning, he called his friend to send me two thousand dollars in cash. My friend helped me run all the time, and it was close to five o'clock when I was busy. I am grateful and blame myself.

Now I have a reserve fund of 1, yuan at home, so I will use it for temporary emergencies and try not to cause trouble to my friends.

I really understand that there must be a certain amount of reserve fund at home. For temporary emergency use.

There are 2, stitches in the vest, so I'm always ready to put on my vest and run away from home. (e.g. earthquake, etc.)