论文部分内容阅读
你是否觉得钱不够花?你是否抱怨银行存款太少?你是否打算日子越过越好?须知,你不理财,财不理你,家庭理财有高招。一、资产负债,心中有数。把家里的资产如存款、国债、股票、有价证券等一一列出,做一张资产明细表。如有负债,欠亲友款项、购房贷款、购车贷款等也一一列出,是亏是余做到心中有数。二、收大于支,计划消费。每月家庭收入总和一定要多于家庭支出总和。这是制定支出计划的原则,尽量避免寅吃卯粮。现实生活中,有些家庭往往是该花的钱也花,不该花的钱也花,能少花的钱多花,结果造成支出浪费。应该按照当月的支出计划
Do you think the money is not enough? Do you complain about bank deposits too little? Do you plan to cross the better days? First, assets and liabilities, there are countless. Home assets such as deposits, bonds, stocks, securities, etc. one by one, to make a list of assets. If the debt, money owed to relatives and friends, purchase loans, car loans, etc. are also listed one by one, is the loss is more than I know. Second, income is greater than the branch, planned spending. The sum of monthly household income must exceed the sum of household expenses. This is the principle of formulating expenditure plans, and try our best to avoid unnecessary expenses. In real life, some families often spend money on the flowers, and should not spend the money on flowers. They can spend less on flowers and spend more on them. As a result, they spend money on them. Should be in accordance with the spending plan of the month