Smart Financial Management

In the financial crisis, how should women who have been on the top of their heads take care of their finances since ancient times?
Income is affected, holidays are affected, and personal development is affected. However, we need to continue our life and maintain the original quality of life. To support half-day women, we only need to be smart women, financial management, financial management, reasonable and effective management of family property, family financial planning, and control of money in hand can weaken the impact of the economic crisis on the family, and pass the economic crisis smoothly.
Establish a correct concept of financial management before starting financial management.
Abandon conservative: According to the survey, the most common investment tools for women are savings and insurance. From this investment habit, we can see that women pay attention to the security of funds, but inflation can eat your interest at any time.
Perseverance: financial management is not a day or two, but a year or two or decades. Persist, you can experience the pleasure of financial management.
Rational decision makers: credit cards are used less, and cash is used more. Manage the card and remember the account, and make the best payment for the large amount of money.
How can women manage their finances in the economic crisis?

Financial management starts from Accounting
Every day, I use a short time to record the spending of the day. In this way, when I look at the bill again in a month, I will be shocked-1000 yuan of clothes, 500 yuan of shoes, 70 yuan movie fee, 100 yuan lipstick ...... The daily spending is so much together! Therefore, it is important to develop a "use money" plan.
You can download an accounting software on the Internet to make a monthly income withdrawal table. a fixed amount of money is reserved each month, and the remaining amount of money is subdivided based on priorities, for example, housing loans, household use, transportation, meals ...... Then, we can re-allocate the money and gradually learn how to spend it without affecting the quality of life.
Saving money is the starting point of Financial Management
The income is a river, the wealth is a reservoir, and the money spent is the water that flows out, and only the money that stays in the reservoir is your wealth. If you want to save money, you have to develop the habit of making money in your life. A woman's self-control in terms of consumption will be a little less self-control than a man, but it is impossible to make a woman completely consume as a man. If that is the case, a woman will no longer be a woman, women are no longer cute. However, excessive consumption will render you uneconomical. There are many methods to collect data. The simplest thing is to use your payroll card as a fixed fund or insurance investment, and deduct a certain amount of money from the regular quota each month, which can both save money and guarantee the effect. Second, 10%-20% of the fixed monthly salary
To save your account to a deposit-only account. In the long run, you will find that you will have an extra deposit to make a fortune when you really need money.
Money generation is the focus of Financial Management
It is not enough to save money, but also to learn to invest, to make money, to generate money is the focus of financial management. Investment is risky and the consequences must be borne by the user. Therefore, before investing, you should first test your investment risk tolerance ability to see if you belong to a balanced, balanced, or aggressive financial management personality, and then select the product portfolio that you can afford, in this way, your mood will not be affected when there is a loss in a certain stage of investment.
You can choose fixed-term deposits, currency funds, treasury bonds, physical gold, and ordinary bank financial products. Select Investment Based on your actual situation. Balanced financial management can be configured with 50% of high-risk and low-risk products, minimizing risks and maximizing profits; if you are an aggressive financial management model, you can consider that the proportion of stock funds is 60%-70%, and the investment plans for other products are 30%-40%. In addition to taking on high risks, you can strive for high profits.
Regardless of the financial management method, the most important thing is to collect financial management information from various aspects to understand the features, risks and their variability of the product, so as to meet the needs of the times. Then, based on the level of risk that can be assumed, works with individuals or families to make reasonable investment configurations for medium and long-term financial needs.

Insurance Protection is fundamental to financial management
According to statistics from relevant departments, the average life expectancy of women in China is generally 5 to 8 years longer than that of men, and women have to retire 5 years earlier than men. From the perspective of elder care, a longer life cycle means that women have more risks in elder care and medical care. In both the workplace and life, women need a healthy body and a positive attitude. Therefore, it is necessary to buy a guarantee for yourself as soon as possible. Insurance can often play a "small-and-broad" role in critical situations.
20-29 years old: mainly engaged in fixed life insurance and security insurance. As the mainstay of Fashion Trends, young women are keen to try financial management methods different from traditional savings: funds, stocks, insurance, real estate, collections, etc. Among them, insurance has become the focus of more and more women's attention. It is recommended that the primary types of regular life insurance are dedicated to compulsory savings. As the age grows, the proportion of insurance with the elder care function needs to increase gradually.
30-45 years old: to avoid risks, plan the elder care plan in advance and prepare the Children's Education Fund. Women of this age are basically married, especially when they have children. Their family responsibilities become more important and various potential risks also increase. In the event of accidents, the family economy will be greatly affected. In view of this, women in this age group are very concerned with security and have a high demand for insurance. In addition to comprehensive basic protection, women of this age group should still give priority to major illness insurance and accident insurance. On this basis, as the age grows, women should plan their retirement life as soon as possible to make their later years more calm. In financial planning, the insurance part is indispensable and can be used as the basic guarantee of pension by combining the social security pension and commercial pension insurance. Appropriate insurance is the first choice for smart women to protect their lives.
Make a good investment all your life
Stock Funds are the best long-term investment tools and the best long-term investment and value-added tools. If you do not want to invest in stocks, or purchase funds, you are willing to do real estate, or be willing to invest in calligraphy and painting, or invest in antiques, there is no problem. There is an old saying in China that is a rare concept, if you make a good investment in your life, you will live a happy and happy life.
A person's life's income comes from two aspects: work income and financial income. Confucius cloud: "The gentleman loves money, And the gentleman loves money. The gentleman loves money, but the gentleman should also treat it well. "Here," Fetch "is to make money, and" governance "is to manage money. A person can make more money. If he does not manage his finances, he will still feel empty-handed in his later years, worrying about his clothes and food. From the practical point of view 1. Female's average life expectancy is longer than that of male
2. The divorce rate in modern society is increasing. 3. When female raises and female, the competitiveness of female is declining. Therefore, we need to make a comprehensive plan for our future elder care and lifestyle. In an economic crisis, you can learn to manage money, be a smart woman, and be a happy and independent woman.
There is an old saying in China that is just a breeze. If you make a good investment in your life, you will live a happy and happy life.