Let me show you my family's financial management methods and see if it inspires you: 50% of the monthly fixed income is used as living expenses (note that it will be broken down later, not to say that it will be spent every month), and 30% is used as (investment funds) (futures, stocks, insurance and the like, your child's insurance should be separated from this part). And 20% is a time deposit (30% investment ratio and 20% deposit ratio are acceptable). Our family's monthly living expenses are 1600 yuan, including 400 yuan's image project fund (clothes and the like), 1.6 yuan's communication fund (two people's mobile phone fees plus Internet access fees) and 240 yuan's tourism fund (two people's hobbies are going out for a walk, Actually, 1600 is less than 50% of our total salary, but we haven't bought a car yet. We usually have lunch outside and go to my parents' place for dinner (because we get off work very late), so 400 yuan Life Fund mainly buys some daily necessities and snacks, which is absolutely enough. Finally, irregular income, our irregular income is also distributed in proportion. For example, if we earn 10000 in stock trading, then the savings at home will be divided into 5000, and each of us will have 2500 pocket money. What needs to be noted here is that investment is risky and there must be a person in charge. For example, if I want to buy stocks, I must borrow money from investment funds. The fixed interest of 65,438+00,000 yuan a year is 500 yuan. No matter whether your investment is successful or not, you should pay 500 yuan to your family at least every year. This 500 yuan is collected from personal pocket money or investment income. The biggest advantage of this distribution is that all possible expenses are budgeted in advance, and when money is really needed, there is no need to move the capital, and the quality of life is greatly improved. I hope it helps you. If the answer is useful to you, please adopt it in time.