Family financial management of wage earners:

Divide the money into several categories: daily expenses, emergency, future use, future pension, and adventurous dreams.

1. For daily expenses, you can deposit cash, balance treasure, etc., and then use a credit card to pay off the account at the end of the month, which is a bit of interest.

2, the emergency is the money to cope with illness and hospitalization. In fact, this kind of money can be withdrawn within one week, so you can buy a fund, and the fund will be redeemed for about 2~4 days. If you are worried about this risk, you can choose a bond fund or a balance treasure. The risk is reduced, but the income is also low. How about commercial medical insurance? If you think it's good, you can buy this kind, such as serious illness insurance and hospitalization subsidy insurance

3. What you want to use in the future refers to certain purposes, such as marriage expenses, children's schooling expenses, house purchase expenses, etc. Characterized by a fixed point in time. You can choose trust, bank financing, national debt, etc. Of course, you can also choose Yu 'ebao and fund.

4, future pension. The biggest feature of this money is that it takes a long time, so it is an ideal field for the fund to make a fixed investment, similar to the fixed investment of precious metals. If you understand, you can also consider jade investment, antique investment, etc. The overall advantage of these things is that they can resist currency depreciation, but the disadvantage is that it is difficult to realize. It's better to consider the risk of pension money, which is not suitable for speculation. If it is an index fund, it is actually appropriate, mainly from a long-term perspective, and the stock index should be stable and upward.

5, money for dreams. It is investment money, or speculation. If you want to change the situation, you must always try to invest, or open an online shop, do business, or speculate in stocks and gold, or buy shops, lend p2p online, or use it to develop every mechanical invention. But this money is best after the above expenses have been arranged.

Proportion:

1. Daily expenses, balance treasure, and credit card at ordinary times. But it's best to save the money in the balance treasure for two months. Your situation is about 1 yuan, because the credit card costs about 4 yuan every month and the cash costs 5 yuan.

2, emergency, it is estimated that it is the money for a disease, but it should be more than half a year's annual income. You are about 2 weeks, and it takes one year to gradually save enough.

3, it will be used in the future. You can only estimate it yourself, which is the wedding money for you.

4, for the aged. Let's not consider it now. 1 yuan, a symbolic monthly fixed investment fund, will consider

5 after he is 35 years old. It's a dream. The rest of the money can be used for dreaming. You should try to do some business or development.