The three main and effective methods help the low-income family finance

The three main and effective methods help the low-income family finance
The low-income household may say, the financing seems to have nothing to do with me, because I have no surplus money to manage money matters. In fact, it manages money matters to be patent of people with high income, getting low-income to cut the good wealth, many a little makes a mickle. The following is the three main and effective methods of the low-income family finance.
The magic weapon one: Save up money actively
" There are few incomes, there is much but consumption " --This is the problem which most low-income households face at present. Should obtain the first barrel money of the family, should reduce and fix the expenses first, namely accumulate surplus by reducing the immediate consumption of the family, and then make the investment with these surplus assets. The low-income household can list every expenditure of every month of the family a detailed list, analysis item by item carefully. Reduce waste on the premise of not influencing life, try hard, compress, do shopping, amuse the intersection of person who consume and expenditure of event, guarantee that can save some money every month.
The magic weapon two: Good at buying insurance
Serious illness is in hospital, it is several ten thousand yuan and even more than ten ten thousand yuan easily. A serious disease, can let a family go bankrupt even debt-ridden. So low-income household need even more to consider whether to improve family's risk and take precautions against ability by buying the insurance at the reasonable wealth.
Advise the low-income household to choose purely to ensure or lean towards the ensuring products, take medical treatment insurance of the health as the core, make casualty insurance subsidiary. Especially ensure the family not high to those social medical treatment, ideal insurance plan to buy great the intersection of disease and health insurance, the intersection of unexpected injury and medical insurance and the intersection of expense and the intersection of medical insurance and set menu in hospital. Consider the substantial portion of the low-income family income is used for expenses and the child's education expenditure of daily life, the insurance expenditure, for not exceeding 10% of total income for the household, but the emphasis point of the insurance should be the adult acting the pillar role of the family economies, instead of the child.
The magic weapon three: Make the investment cautiously
To low-income household, does not stand greatly losing, so, there should be psychological preparation before investing in, should find out about the rate of return on investment first. Should basically understand the operation of different investment ways, all investment ways will be risky, but to low-income household, security should be the most important. , it depends on one's own knowledge and speciality.
The low-income household should do a good job of the expenditure plan per month, besides normal expenses, divide the rest into several as family's basic fund, carry on the essential investment financing. Such as investment RMB wealth management products, the fund of money market and treasury bond, can enjoy the corresponding interest rate in this way, can drip into a river.
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