McCain laughed about “small flat”, although the fighting spirit of the play Haiping worthy of appreciation, but a pair of top students graduating from prestigious universities, couples monthly income of 9,000 yuan (plot should be a bar a few years ago), struggled in 2078 , to buy a house down payment when you need to deposit only 80,000 yuan. Look at how much and her lack of financial ability to have some bearing bar. Hai-ping in order to save money buy a house, put all my energy used in a “province” word. Long-distance calls required Qiazhao time to eat dinner, white noodles, do not buy new clothes for one year … … that in order to buy a house, in order to invest in, and even a normal household spending and consumption have been compressed out, and contrary to the family finances purposes.
Capital or consumption, is that we often controversial topics in financial management. Investment requires the accumulation of money, but to ensure the quality of life they need money spending. We often say that money management is aimed at the preservation and appreciation of family property, but easy to overlook, financial investment, and not only save money, in fact, also includes spending. Investment and consumption paradox, in fact, complement each other. Properly handle the relationship between family financial management to achieve a balance, household wealth will grow up healthily.
Good at financial management within their means investment in
McCain laughed about “small flat”, although the fighting spirit of the play Haiping worthy of appreciation, but a pair of top students graduating from prestigious universities, couples monthly income of 9,000 yuan (plot should be a bar a few years ago), struggled in 2078 , to buy a house down payment when you need to deposit only 80,000 yuan. Look at how much and her lack of financial ability to have some bearing bar. Hai-ping in order to save money buy a house, put all my energy used in a “province” word. Long-distance calls required Qiazhao time to eat dinner, white noodles, do not buy new clothes for one year … … that in order to buy a house, in order to invest in, and even a normal household spending and consumption have been compressed out, and contrary to the family finances purposes.
The amount of money for investment but also according to family income, within their means. Family has to ensure proper spending, the balance can be used to invest in some.
Plan to enjoy life consumption
Revenue is based on the work of making money, financial investments are biased in favor of using money to make money. Investment in families according to their economic capacity in a planned manner. Young couples, middle-aged couples and older couples families earning capacity and life due to differences in goals, each set of financial goals and select the financial products will not be the same. “4321″ law of the family financial management a more classic argument that the rational allocation of household income ratio is: 40% of income for housing and other projects for investment, 30% for household living expenses, 20% for bank deposits As a precautionary measure, 10% for insurance.
Speaking of consumption, of course, there is a “degree” issue. One female friend, last Christmas was a European trip. Fell on Boxing Day, heavy discounts, shopping malls, and she bought on impulse a nearly million LV bag back. Happy to meet after the moment of consumption, not help feeling sad every day, spend the money and tortured crowded subway and that the LV bag. Although this package cheaper than buying at home nearly half, but a salaried employee, such spending is still beyond the ability to bear.
Program spending, moderate to enjoy housekeeping is live attitude. There is also a life of consumption is a little later to meet basic living luxury, is also a consumer with an investment. Such as works of art or gold jewelry to buy something. Because I like to buy when you buy a consumer, but a few years later, it is appreciated that such consumer behavior inevitably becomes the investment behavior. Increase in wealth for investment, must be willing to spend a portion and enjoy the fruits of success, so that can also be more motivated to make the next sum of money.
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