Chapter 67 Financial management is a compulsory course for women

Female friends should get to know the secular world as soon as possible, and don't think that the secular world is a very shameful thing. After all, everyone in life will become secular, and it's just a matter of time. In fact, secularism is reality, that is, everything must be considered from reality.You should realize as early as possible that a stable and high-income job, a house of your own, a private car of your own, etc., are the basic conditions necessary for you to pursue a stable and happy life. Knowing the world is to make yourself realistic and make friends with money.Don't just think that talking about money in life is secular with lofty thoughts, so can you do without money in such a realistic society?Therefore, you should be more realistic when thinking about problems, and learn and adapt to think about problems with a worldly perspective.

The kind of optimism we see in books and in theaters that treats money like shit only makes us happy for a while. Now, with rising prices and higher living standards, we are responsible for the increasingly expensive cost of schooling for our children.Our money buys far less than it did ten years ago, or even five years ago.The lady faces a disproportionate challenge, and she has to put that money to good use. Doing a good job of family income budgeting can ensure that your money can be used reasonably, so that the family can share the income satisfactorily.A budget shouldn't constrain your actions or make you record expenses aimlessly, it's carefully planned to help you get your money's worth and spend it wisely.For example, you want to buy a new home, pay for the children’s college fees, the family’s pension insurance, and want to realize the long-awaited vacation.A reasonable budget will make your dreams come true. It will tell you how to save unnecessary expenses to meet the necessary large investments.

If you want to become a master of household budgeting, you should read more of those lifestyle magazines, which contain a lot of relevant economic knowledge.It will tell you how to use old clothes; how to make cheap snacks; how to make furniture and so on.In addition, nearby banks have opened a free budget consulting service, and they will tell you how to make a budget that is in line with your actual situation based on your family's needs.This plan is just for you and not for other families.Because your financial problems are as unique as your body and face.The situation in other families is different from yours.Therefore, the planning value of this kind of budget is also higher.

Here are some suggestions that will help you better manage your household budget. It is very useful to have a thorough understanding of the expenditure situation.Because we must know where we are going wrong, otherwise we cannot improve our plans.Savings are meaningless if we don't know where to spend less and why.Therefore, all household expenses must be recorded for a certain period (at least three months). What we should do is: list the fixed expenses of the family for a year, such as rent, living expenses, utilities and insurance, and then list other necessary expenses, such as the cost of buying clothes, transportation expenses, medical expenses, education expenses , gift money and so on.Be sure to base your budget realistically on your family's needs.Sometimes budgeting requires discipline, which is known to be difficult because we can't afford everything.However, we should at least understand what things are necessary, and then discard those things that are not very needed.Can you give up buying expensive clothes in order to have a warm home?Would you rather make your own clothes to save some money and buy a TV?Obviously, it's up to you and your family to decide whether to do this or not.

Financial experts advise us that, despite rising prices, if you can save a tenth of your income, after a few years.You can live a more relaxed economic life.So save a tenth of your own fixed expenses.Or invest elsewhere, and find a way to save some money to buy a car or a house. Many financial experts are beginning to warn young families: save at least three months of income to meet emergencies.However, it is not easy to save a lot of money at once.If you save two hundred dollars at a time, and then save money after a few months, you will not save much money at all. Instead of saving money intermittently, it is better to save fifty or one hundred dollars a month. The effect is more obvious .

Money experts agree that a budget plan only works when the whole family supports it.Since everyone has a different attitude towards money, and is often affected by education, temperament and experience, the budget should be discussed collectively by the family to eliminate the differences in opinions between each person and others . Do you know what basic needs life insurance can provide for your family?Do you know the difference between lump sum payment and installment payment and the benefits of both?Do you know what are the different payment methods?Do you know the two meanings of modern life insurance?These and many other questions are very important to your family, and not only your husband should know the answers, but you too.If a man dies accidentally, his family can get the minimum living guarantee provided by life insurance; if he is still alive, life insurance can provide him with special funds to support his life.If one day, your husband dies unfortunately, your difficult problem will be solved by the life insurance knowledge you know.