Nowadays, women have stepped out of the bondage of family and become the masters of the workplace, and their knowledge and wealth have doubled. Women have the right to absolute independence. As for the concept of financial management, of course, it is also out of the traditional myth.

The new generation of elite women, financial management and consumption ability can not be ignored. There are not a few women who drive luxury cars to live in China, and many of them are often in the investment market. Their analytical and judgmental abilities are amazing.

Change consumption habits before talking about financial management.

Want to manage money, no capital, everything is empty talk. Whether you are a moonlight family, a housewife waiting for her husband's payday, or a working girl in the workplace, it is the first key to change your consumption habits. If you have three concepts at the same time, you will have unlimited imagination.

Concept 1: You don't manage money and ignore you.

Financial management is not just empty talk, but also needs perseverance.

Idea 2: Make consumer goods more valuable.

Beautiful women invest in appearance, smart women invest in inner. Enrich the concept of self-financing, broaden your horizons and use consumption on the cutting edge. "Making money with knowledge" is the highest financial management method for women in the new era.

Concept 3: Compulsory savings for regular investment.

"Fixed deposit and lump sum withdrawal" and "fixed period quota" are the best means of compulsory savings and investment, so that part of the wages can be automatically surrendered to the investment account, and the effect is absolutely satisfactory after many years.

Women's financial management can be divided into three stages, which can be appropriately adjusted according to the needs of different age stages, so that they can become financial experts:

The first stage: women are the 20 most beautiful.

I have only been in the workplace for a few years. In addition to accumulating workplace experience and social recognition, it is more important to accumulate capital for investment and financial management before I get tired of my family. Otherwise, my life in front of me will be a problem without hands. What about investment and financial management?

When you have some spare money, you can start investing. Because young people have high-risk capital, they can quickly accumulate funds by investing in high-risk and high-yield products.

The second stage: 30 flowers for women

After the achievements and finances have gradually accumulated to a certain level, the next step is to be cautious, not only to make the present life better, but also to make the old life more secure and dignified. At this stage, women's biggest expenditure is mainly to buy real estate and cars, and they are married.

Women should also prepare their children's education funds to avoid being overwhelmed by huge education expenses in the future.

In addition, while constantly contributing to the family, don't forget to cherish yourself, strengthen the insurance function, and allocate the proportion of insurance policies according to your own needs, so as to lay a good foundation for the present and old-age life.

Stage 3: Women 40 are treasures.

After the age of 40, your children are older and your financial situation is stable. At this time, should we check whether the husband and wife are carefree after retirement? What kind of life do you want? In particular, the follow-up medical expenses are indeed a big expense. At present, in addition to emphasizing capital preservation, we should also increase investment with stable and fixed income.

Buying insurance must be clear about a basic truth: buying insurance is buying protection! Not others (such as stocks, funds, deposits, etc.). Buying insurance is an effective way to avoid personal risks and establish a personal and family security system. It is also a way of managing money. If you want to manage your money correctly in this way, you must learn and understand some basic knowledge of insurance. If people follow the trend, or take it for granted to buy insurance products, the result may be counterproductive, which will not only make you spend money on products that you don't necessarily need, but also make you worry for a long time, even for life.

Insurance is divided into social insurance and commercial insurance.

Social insurance is statutory insurance, which can also be called policy insurance. It is an insurance implemented and managed by the state administrative department by administrative means according to the law. All working or self-employed adults must take out insurance. Can provide economic security for the insured within the scope of basic medical insurance, basic endowment insurance, work injury insurance, unemployment insurance and maternity insurance. Because social insurance is a government act, it is mandatory. Employers (or institutions) should sign labor contracts when hiring employees, and employers (or institutions) should handle social insurance for employees, which is the social responsibility and obligation of employers.

Individuals can participate in social security as freelancers, and then they have to fulfill the obligation of timely, full and continuous payment. Insured people can get relevant economic security when they encounter the above problems of basic medical care, basic old-age care and maternity insurance.

Social security emphasizes social equity (only one for each insured person), and its basic principles are: low level and wide coverage. Promise, no promise. Therefore, its degree of protection can not fully meet individual needs, and it needs commercial insurance to supplement it.

Commercial insurance: it is an insurance that gathers the strength of the society (the insured) and provides due economic security for a few insured people when they encounter certain personal risks (such as major diseases, accidental injuries, medical health, etc.). ). Buying commercial insurance is a commercial activity, which should be purchased according to personal needs and personal economic ability to pay. Since it is commercial insurance, it has a strong commercial color and is a supplement to social insurance. Commercial insurance emphasizes personal fairness (buying according to one's own needs and economic ability, buying more and insuring more, buying less and insuring less, and not buying, there is no guarantee), and its positioning should be: the supplement of social insurance. The principle of purchase is: voluntary principle.

The two kinds of insurance have the same characteristics: providing a certain degree of economic security for the insured. Social security must be bought because there are certain benefits. As for whether to buy commercial insurance? What kind of insurance do you need most? How much to buy? That depends on your own needs and economic ability to pay.

Buying insurance means buying protection, and protection is what everyone needs. Therefore, before buying insurance, we must make it clear: what is insurance? Why buy insurance? What kind of protection do I need most? How much protection do I need? How many insurance products can I buy with my present ability? If you really want to buy some insurance for yourself and your family, I suggest you:

1, learn some insurance knowledge first;

2. Understand the role and significance of insurance;

3. Identify your insurance needs;

4. Insure according to your actual needs and economic ability. Really do it: clearly understand consumption and enjoy it in a down-to-earth manner. Otherwise, due to my ignorance for a while, I may get endless troubles in the future.

For adults, you should buy social security first and then insurance. If you already have social security, then you can choose to buy some commercial insurance to supplement it. Because social security is the foundation and commercial insurance is the supplement.

There are some basic principles for buying commercial insurance, such as: adults buy first, children buy later; First base, then perfect; First near, then far ... and so on. It should be very necessary to understand and follow these principles. If you want to know more about insurance, you can go to the insurance website. Or find a responsible and proficient high-quality insurance salesman for relevant business consultation.

Life is full of risks. Accidental injuries, health problems and pension problems are the biggest risks that everyone may encounter at any time. Once such a risk is encountered, it may directly affect the fate of a person or a family. Therefore, all three risks should be guaranteed.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.