爰彝ヒ嘤 zinc support 苡勋凵凵综合 injured? Protection? Mace Jian’an Pu Fu Miscellaneous Umbrella Barium Wood Chenjun? Magic Weapon 1 Actively save money “low income, but a lot of consumption” This is what most low-income families are currently facing. The problem. To obtain the "first pot of gold" for a family, one must first reduce fixed expenses, that is, accumulate surplus by reducing the family's immediate consumption, and then use these remaining assets for investment. Low-income families can make a detailed list of their monthly household expenses and analyze them carefully one by one. Reduce waste without affecting your life, try to reduce spending on shopping, entertainment and other items to ensure that you can save some money every month. Taking housing as an example, for low-income families, the first principle when buying a home is to "live within one's means" and live comfortably as the standard. Don't be greedy for luxury and try to reduce the total purchase price as much as possible. You can consider buying a second-hand house with a smaller area and a relatively cheap price first. In the future, through replacement, "small for big" or "old for new", it will be easier than buying a new building directly. The second magic weapon is to buy insurance for serious illness and hospitalization, which can easily cost tens of thousands or even hundreds of thousands of yuan. A serious illness can cause a family to go bankrupt or even be heavily in debt. Therefore, when managing finances, low-income families need to consider whether to purchase insurance to improve their family's risk prevention capabilities and transfer risks, so as to get out of trouble. It is recommended that low-income families choose pure protection or partial protection products, with "health and medical" insurance as the mainstay and accident insurance as a supplement. Especially for those families with low social medical security, a more ideal insurance plan is to purchase a critical illness health insurance, accidental injury medical insurance and hospitalization expense medical insurance package. If you really don’t plan to spend money on insurance, it is recommended that you buy accident insurance anyway. If something unfortunate happens, the compensation can also alleviate some difficulties for the family. Considering that a large part of the income of low-income families is used for daily living expenses and children's education expenses, insurance expenditures should not exceed 10% of the total family income, and the focus of insurance should also be on playing the role of the family's financial backbone. Adults, not children. Magic Weapon Three: Invest Prudently For low-income families, salaries are often low and they cannot withstand big losses. Therefore, you must be mentally prepared before investing. You must first understand the evaluation of investment and return, that is, the return on investment. To basically understand the operation of different investment methods, all investment methods will have risks, just big or small, but for low-income families, safety should be the most important. What you like to invest in, or what you think is a good investment, not only depends on whether the investment object has investment value, but also depends on your own knowledge and expertise. Only by investing with your own knowledge and expertise can risks be effectively controlled. Low-income families should make a monthly expenditure plan. In addition to normal expenses, the remaining portion should be divided into several portions as the family's basic fund for necessary investment and financial management.