Family Finance &Nbsp; Avoid Four Taboos.
Family
It is the smallest, but also the most stable and core group financial management unit. The quality of a family's material condition is closely related to the family's economic status, and the family economic condition is closely related to family financial planning and family members' financial management ability.
Only by doing a good job of family financial management can we ensure that family members have a good time to worry about their food and clothing.
However, many people have wrong ideas and practices on family financial management, resulting in financial failure. If you want to successfully manage family finances, you must avoid the following four financial problems.
One of the major taboos of family financial management:
Conduct financial pactions
We do not respect the laws of the economy and go against the trend.
Family financial management is an act of its own, but it is closely related to the economic trend as a whole. Therefore, we must study the laws and conditions of economic development and proceed with the trend rather than against the trend.
For example, when the price of houses is rising too high, when others are escaping from arbitrage, you have to be at the top of the market. That means you will become a high price housing bill. Interest rates are low and inflation is high enough to keep money in the bank and not to invest. When the interest rate is high, the investment is high. This is all against the trend. The possibility of loss is far greater than the possibility of earning.
Against the situation, you may earn money in certain circumstances, but the risk is too high. In this world, do not use your personality to fight against the law, especially in the economic field, otherwise you will be defeated.
Two of family financial management: follow the wind and manage finances. Only short-term gains are observed. There is no long-term plan.
Some families always like to stare at others, see others buying funds, earn money immediately, and buy funds behind others' buttocks; after a few days, they see others buying stocks to make money, and they draw money out to buy stocks.
Always running behind others, lucky enough to pick up a bit of tail benefits, and more often it's time to put yourself in.
What we see is always the short-term profits guided by others. Without their long-term investment plans, real investment experts always have long-term investment plans, so as to achieve long-term stable returns and achieve the time effect of wealth growth.
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Family financial management
Taboo three: to invest beyond their own economic strength without considering risk bearing capacity.
Although most Chinese people are accustomed to living without debt, it is also a good living condition for ordinary families.
However, debt investment is not a bad thing. After all, the economic strength of individuals and families is limited, and more money can be obtained through some means of raising more money.
However, when undertaking debt investment, we must strictly consider the risk bearing capacity, and the debt ratio can not exceed that of its own economic strength. If the debt ratio is too high, once failure means bankruptcy, it will be very difficult to turn over again, which will directly affect the family economic foundation.
Even if debt is invested, it is necessary to maintain an appropriate proportion.
Four of family financing: not considering its own financial expertise, and diversifying investment regardless of circumstances.
When a family's assets are limited, it is best to invest intensively. After all, the risk of intensive investment is small and the income is large.
If you only have a basket of eggs, the best choice is to put the basket eggs together, and do your best to protect them and let them hatch chickens.
But intensive investment must be familiar with its own areas. For example, if you are good at stocks, you will invest in stocks. If you study industries, you will invest in industry.
According to their own financial expertise, the most suitable financial planning should be worked out so that the best benefits can be obtained and the risk can be reduced to a minimum.
The family economic foundation determines the quality of life of a family to a large extent. In order to allow family members to live a prosperous life, family financial planning must be emphasized, and family wealth can be increased through rational financial management.
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