Management of family cash flow I divide income into fixed income and non-fixed income according to the degree of stability. (According to the source, it can also be divided into three types: recurring income, opportunistic income and return on investment income. ) I divide expenses into daily expenses and non-daily expenses.
I will just introduce my usual classification.
Fixed income: salary, bonus, rental income, deposit interest, etc.
Non-fixed income: return on venture capital, year-end bonus, etc.
Daily expenses: including clothes, meals, water and electricity network, transportation, insurance, support for parents and other expenses.
Non-daily expenses: expenses such as buying a house, buying a car and decorating.
The first step is bookkeeping.
Keep a unified record of your income and expenses. On the one hand, you can restrain your desire to spend money, on the other hand, you can really understand your income and expenditure. My sister uses an accounting software, which is fun and easy to use. You can try.
Step two, quit credit cards.
If you are still a slave to credit cards, you should pay attention. I am not against using credit cards or making money, but I must be the owner of credit cards and money. It is best to have only one credit card. It's quite convenient to go out for a trip, book a hotel, book a plane ticket and change points at the end of the year.
The third step is to calculate and manage your own surplus.
Subtract the expenditure from the bookkeeping data, calculate the surplus, set up a passbook account (note that it is a passbook account), and set up a fixed operation on the Internet: on the day of monthly salary payment, turn this surplus into a regular period. Check the accounts every month before paying wages, and fix a period for those that are not used.
The fourth step is to set a goal for the future.
Make a plan for your future, such as having children, and calculate how much it will cost to change the house into a school district. If there is no car, calculate how much it will cost to buy a car. Boys can calculate how much it costs to marry a daughter-in-law, arrange banquets, take wedding photos and travel on honeymoon. In short, think of something better. For example, in a few years, I will encourage my husband to have children, and the house will be turned over so that you can have your own studio, and no one will bother you after closing the door! ! He probably thought about it and would have the motivation to save money. It's no use just thinking. You have to work out the cost of this goal, then budget it every year, every month and every day, and then reduce the expenses you can give up for this goal. Take myself for example. I'm going to buy my own car, so I have to save money. In the past, when renting a house near the unit, I started to live in a house with a monthly rent of 2,500 yuan, but in order to save money, I changed it to a small courtyard in the second ring road in January. Later, after I got my license, I lived with my boyfriend. The room was always empty, so it was not worthwhile, so it was rented out. And the idea of struggling after having a goal will be very strong. When someone asked me about my job as a book marketing editor, did you answer? When I want to get in touch with the publishing industry that I have never been in contact with before, I calculated it carefully. The workload is two hours a day, meeting for half a day, and 2500 yuan a month, which can make some contributions to the car buying cause. If I don't have the motivation to buy a car, I might say, I will have a meeting once a week and work for an hour every day, and I will charge you 1500. Set a long-term goal, then calculate it every day, and you will have financial motivation.
The fifth step is cash flow management.
After you insist on it for half a year or a year, you will have two passbooks, a surplus passbook and a one-month irregular passbook (the part that is not spent every month). According to the monthly deposit of 5,000 yuan of husband and wife, the remaining passbook is at least 6w, plus irregular income such as year-end bonus and monthly irregular passbook savings. Every 10w, you can choose the currency or bond fund with the starting point of100,000 yuan. Pay attention to the kind with high interest rate, which requires you to read the purchase agreement carefully. My suggestion is to take it home, discuss it with two people and watch it separately. Here, many people in Douban buy 204 reverse repurchase bonds, and the interest fluctuates from 3% to 30%. This bond is a fluctuating bond, with guaranteed capital, and the operation of stock account is convenient and quick. Many people consult this. Personally, I think it is suitable for people with high financial flexibility. For example, if he wants to use the money to buy stocks for business, he will buy 204 when he is not in the market, and the interest is higher than the current period. But when he is operating, the capital is very flexible and unaffected. Ordinary people do not pursue flexibility, purely for financial management. Choose monetary and bond capital preservation funds and bank capital preservation wealth management products, and expect higher annualized expected returns. If you are forced to save, it is good to invest in the money and bond funds with guaranteed capital every month. In addition, Taobao's Xinyu Ebao is also good.
The family's financial orientation determines the type of financial management.
Allocate your insurance, savings and investments.
1, low-risk stable expected annualized expected return combination mode: savings+insurance+bonds.
2. Low-risk income combination model: savings+insurance+ten bonds+funds.
3. Positive growth portfolio model: savings+insurance+stocks+equity funds.
4. Income combination mode: savings+insurance+bonds+stocks.
5. High-risk income growth model: savings+insurance+stock ten futures.