How to do a good job in family financial management and make the existing wealth outperform inflation?

If you want to think clearly about financial management, you must first know your expenses.

Most families, in addition to car loans and housing loans, also need to add the education and marriage of their children, as well as part of the living expenses of their parents, while taking into account the occasional physical problems.

Making money is not easy, but spending money is like running water. How can you make your little savings icing on the cake and accumulate small gains over time to make them bigger?

The answer is obvious. It is nothing more than four words - "increasing revenue and reducing expenditure". With the development of society, the "throttling" at this time is different from the past.

In the past, it was really necessary to "rake for money and box for money", which means that in addition to making money, saving money is also very important. Here saving means not to spend indiscriminately.

Today's "throttling" refers to family financial management. Because in today's world, almost all countries have inflation problems fast or slow. If only saving money, assets will still be diluted by inflation.

Only family financial management, let the existing wealth outperform inflation, is the real sense of "throttling". So how to do a good job in family finance? Xiao Nuo told you some key points.

According to the analysis of family routine expenditure, family financial management can be divided into four layers: security layer, consumption layer, value-added layer and risk-taking layer.

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1、 Safeguard

1. Bank savings

This layer is not difficult to understand. It can be regarded as a family reserve fund, but don't expect bank savings to make money, because it can't resist inflation, so it shouldn't be too much.

2. Social security

Social security is a compulsory and subsidized welfare policy of the state, which is divided into two parts: unit payment and individual payment; If you don't have a unit to pay, you should also find a way to make up for yourself. Although it is guaranteed but not guaranteed, it can at least meet the basic living needs.

If you want to get a more generous retirement pension, you also need to have adequate commercial insurance.

3. Commercial insurance

Commercial insurance is a financial arrangement to spread risks; It is a kind of contract behavior seeking risk loss compensation; It is a guarantee mechanism for social mutual assistance to resist risks. It has a good value guarantee for human life and property, and plays an important role in family financial management.

2、 Consumption level: including daily living expenditure, education expenditure, etc.

3、 Value added layer: including real estate, gold, bonds, etc.

4、 Adventure layer: fund, stock, foreign exchange, futures, industrial investment, etc.

The higher the level, the greater the risk. We should make reasonable adjustments according to our actual situation.