论文部分内容阅读
现在工资卡已经很普遍了,对于以工资为主要收入的工薪阶层来说,如何管理好工资卡对生活质量的提高至关重要。要根据理财目标合理分配俗话说:“吃不穷,穿不穷,算计不到必受穷。”所以对每月的收入,都要先结合理财目标,计算一下该用多少消费,拿出多少进行长期投资,剩余多少存起来以备急用。根据家庭收入配置“4321”定律,合理的比例应该是,家庭收入的40%用于供房及其他方面投资,30%用于家庭生活
Wage cards are now commonplace, and managing payroll cards is crucial to improving the quality of life for wage earners whose pay is their main source of income. According to the rationale for financial management, the rational allocation of the saying goes: “Eat not poor, wear a lot of things, count less to be poor.” Therefore, the monthly income, we must first combine financial management goals, calculate how much consumption, come up How much long-term investment, the remaining amount saved for emergency use. According to the family income allocation “4321 ” law, the reasonable ratio should be, 40% of household income for housing and other investment, 30% for family life