The little knowledge of financial management in marriage is not only about investment and financial management and family planning, but also about who the family’s financial power is in. The dispute over family economic power reflects more about the distortion of the real society’s concept of marriage and the emotional crisis hidden in the hearts between husband and wife. Learning more little knowledge of marriage management is conducive to enhancing the happiness of our family life.
What are the personal financial management knowledge?
In fact, financial management knowledge is also closely related to life. If you manage your life well, wealth will come naturally.
Financial management tips 1: Live within your means. It is popular for young people to spend tomorrow’s money to live today’s life. In fact, if you want to improve your quality of life in the long run, it is very important to increase revenue and reduce expenditure. You can live within your means and save more funds in time and appropriately for financial management;
Financial management tips 2: portfolio investment , do not put eggs in a basket, invest high-risk investment and low-risk investment and financial products combinations, and lose all your money;
Investment tips 3: Make money you can make, don’t make a rash or be blind. Have your own financial management attitude and make money within your ability.
About financial management knowledge in marriage
Handle the financial power of the family is the basis for family harmony. As the saying goes: The economic foundation determines the superstructure . So, how to manage family finance with a little knowledge of marriage and financial management?
is the "big wisdom and foolish management method", that is, under the premise that the couple fully trusts, the woman is usually in charge of the finances, and the wife must follow the "semi-support principle" to give her husband a certain degree of freedom of consumption. Don’t be harsh about most expenses, but you can check them regularly.
The second is the "Experience-first method of managing money", that is, if one of the couple is engaged in finance and related industries, or studies economics himself, or has successful investment experience, he can be fully responsible for family financial planning. This is called "let professionals do professional things."
The third is the "energy-weighting method of managing money", that is, both husband and wife have no financial management experience before marriage and need to learn from scratch. Therefore, the economic power should be controlled by the relatively energetic party under full negotiation. For example, if the husband is in a career climbing period and needs to work overtime frequently. If the wife is idle or at home full-time, the woman may want to control the financial power; but if the wife needs to take into account work, take care of the children, and do housework, while the husband has stable work and plenty of time, then let him learn and manage the family financial planning.
The fourth is the "AA system division of labor-management method", that is, no one of the couples is in power, and each one is in charge of their own, or they are placed together to manage it transparently. When encountering family emergency expenses, they will be invested in proportion. The remaining financial management money is based on the principle of "whoever is good at what aspect is responsible for which aspect". For example, if the husband is good at stock selection, he is responsible for the family's stock investment; if the wife is proficient in paper gold , he is in charge of the family gold investment part. But two people need to communicate fully and set the investment ratio.
Marriage Financial Management Tips How to invest in
1. You can buy stocks, but you cannot treat them as financial management: Many people invest in stocks and mistakenly think that they are financial management. I want to say that you are gambling, because most people are vague about stocks and can't tell the K-line. They haven't figured out the most basic knowledge of stocks. When they see others investing and making money, they follow the trend and rush into the stock market and invest in a mess.
2. Make money you can make: At the beginning of last year, the stock market was bull market. Under the response of national policies, the whole nation rushed into the stock market and wanted to make some money. Some people even sold houses to speculate in stocks, or some young people simply quit their jobs to speculate in stocks.
3. You can’t expect insurance to make money: Many people are always consulting about insurance misunderstandings. Is it better to dividend insurance or universal insurance? I want to say that insurance is insurance. The characteristic of insurance is to provide a protection for the family, not financial management. If you want to make money by insurance, it is better to invest in products. Choosing any investment is better than insurance. Therefore, insurance must be allocated, but don’t expect too much. This is the difference between insurance and financial management.
