Moonlight Clan Becomes Rich: An Ordinary Woman'S Financial Story

"Balance allowance" balanced monthly expenditure

According to the chapter * * method, the monthly fixed budget for water, electricity and gas is fixed, but the monthly expenditure can not be balanced. Therefore, Zhang's mother will shift the surplus from last month to the next month, which will play an important role in controlling the total expenditure of the project.

For example, the monthly budget for electricity in 2008 is 150 yuan.

"In fact, we are not doing what we really want to save on electricity and water charges. The most important purpose is not to suddenly increase household expenditure in one month and increase the burden of expenditure in that month."

Zhang mother said.

Quarterly fee "zero storage" effect

After moving to a new house, the New District charges property management fees to households on the quarterly basis.

For the 3 month's property management fee, Zhang mother divided it into 3 pieces on average, and each of them was included in the monthly fixed cost of living budget.

That is to say, in the first and two months of each quarter, a property management fee of 300 yuan will be extracted from the wage income, plus 300 yuan extracted from third months, totaling 900 yuan, so that the property company can be hurried to the property company.

"Our monthly income is very balanced, but the actual monthly expenditure is always uneven.

If the cost of a quarterly fee such as property fee is collected, if it is taken out of a single month, it will generate a cash outflow pressure on the same month. And I will spend the monthly quarterly expenditure on the actual monthly imbalance in the monthly budget so as to effectively reduce the actual expenditure pressure for more months.

"Meal gold" is graded to Mr.

"Shen Yan, her father is a nutritionist at school, and he is responsible for the family's" buy jig ".

Therefore, the seven items of the traditional opening door of rice, oil, salt, vinegar, tea and so on are handed over to his father to manage.

It is up to him to decide what to eat and what to buy under his father's power, and where to spend every money is recorded by himself.

It turned out that in addition to a variety of fixed monthly expenditure, Zhang mother will set aside 400 yuan a month for "Shen Jin".

Of course, in order to prevent Shen dad from "unplanned expenses", in order to ensure that "the end of the month will not only eat salted vegetables", Zhang mother will be divided into three or four times a month to Shen dad "food gold".

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Daughters also have their own small books.

"Don't say my father and mother, I have more than ten years of account history."

Daughter Shen Yan told reporters.

Zhang Xinhua did pay attention to training her daughter's sense of financial management, so that she could learn to keep accounts from childhood.

When Shen Yan went to college, Zhang mother also gave her 400 yuan a month's "pocket money".

Like her father, the daughter also "can't imagine" taking 400 yuan "ocean" for a single time. Every Sunday night Shen Yan has to "get a salary" from her "little book" the previous week. Her mother allowed her to keep some of her small money in her bank account as a "small Treasuries".

As the "CFO" (chief financial officer) of the family, Zhang Xinhua's central position in power seems impregnable.

At the same time, mothers want their children to take care of themselves in school, ensure their life and nutrition, and also want to know and control the expenditure of the entire family more accurately. So if Shen Yan can not provide the account book with more than 80 yuan a week, mother will consider whether to cut her budget.

"Borrowing and returning" to ensure "earmarked"

"You can often see an interesting phenomenon in my family, that is, my father and I borrow money from each other to repay money.

When will the electricity bill be paid by the father, then the mother will pay the fixed expenditure after work.

As we already know, Zhang Xin Hua has made budget and funds allocation for all kinds of common expenses of his family at the expense of 3 people. Therefore, in order to ensure the smooth implementation of the plan, and in order to effectively manage and control the cash flow in the family, Zhang has carried out the "special purpose" method.

Of course, unlike personal embezzlement of public funds, the "occasional appropriation" and "borrowing money" belong to the "reasonable phenomenon" of human interest, but "return afterwards" is also an essential step.

"It is unthinkable for many families to borrow money from family members.

But from the experience of our family, we should be clear about the power and responsibility and the ownership of funds, so that we can avoid as much as possible the habit of spending money, and we can spend more money more effectively.

Zhang says.

In addition to daily expenses and annual budget expenditures at the beginning of the year, every family has to face one problem, that is, some large planned consumption.

For these events, Zhang mom adopted various methods to resolve the strong destructive power of these expenditures to family cash flow.

For example, daughters buy large items to apply for a budget.

Although Shen Yan has every year's lucky money to deposit in her own "small Treasuries", she also wants her mother to give some "sponsorship" when buying bulk goods. At this time, she needs to apply for a report to her mother, if the application is approved.

Then mom will adjust her monthly or annual budget in the next few months or even a year, and spend the cost in the next few months or be included in the next family budget.

"How much budget can be obtained depends on his mood."

Shen Yan said.

Zhang explains, "I have to consider her request as a whole from the income and expenditure of the whole family."

At the time of sophomore year, Shen Yan bought a walkman, then applied for it and got his mother's financial support.

But since the Spring Festival of 2003, Shen Yan has been applying for her mother's financial assistance, hoping to buy a MD.

Unfortunately, because the family bought a new house, mother has not been able to "buy" Shen Yan's shopping plan into her family budget. Her MD dream has not yet been realized.

"Everyone has what they want, but all family members need a core concept of their home.

Sometimes, personal shopping desires have to be placed on the financial budget of the whole family.

Especially for children who are not yet independent, I feel that their parents do not have to respond to their needs. They must instil her rational consumption habits and certain financial management concepts through her daily affairs, so that she will know that parents are not everything.

Speaking of financial education for his children, Zhang Xinhua is also a theory of his own.

Create wealth and create wealth

"What we earn is not saved. What we save is what we earn.

I have always been thinking this way, and I have often warned my daughter to learn to control her money rationally. "

Indeed, if we want to get rich and do not rely on the smallest probability of winning lottery tickets and so on, we should learn some tips from Zhang's family expenditure control method, and save a share of money from every month's collection. Perhaps today's "moonlight clan" will not have to worry too much about the old age pension after 30 years.

At the same time, we often pay attention to the information of various investment markets, and find some good investment opportunities with relatively small risks and relatively high returns.

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With the rapid development of the economy, investment in household bonds, foreign exchange, insurance, real estate and other investment tools is becoming more and more popular. Family financial management has become a fashion.

Families who do not manage finances may even catch their elbow in family finances even if their incomes are not low.

This kind of family and individuals who are not good at managing family can get some inspiration from the family financial management story of Zhang * *.

Zhang mother in the family's daily financial management, can achieve balance of payments, a little savings, the use of classified management to control expenditure, which is scientific in itself.

Generally speaking, household expenditure can be divided into two parts: constant expenditure, such as daily expenses for family members, food and clothing, and other capital expenditures, such as the purchase of family fixed assets TV sets, furniture and so on.

Record household expenses, Zhang's mother's electronic account can be used for reference. The form uses the three columns of "balance of payments" to record household income and expenditure. This is a simple household bookkeeping method and is worth promoting.

In terms of accounting methods, this method is based on cash receipts and payments, thus reflecting where and where the income comes from, and how much money it balances.

We can arrange the appropriate investment and financial management for the remainder of the balance so that the value of our wealth will be appreciated.

For family budgets, different people are wise and wise men see wisdom.

Some people who are not good at managing money can not control their desires, spend money freely, and have no self-control to spend money freely.

Maybe someone would say, "some people are born to make money, some people are born to spend money."

However, the lack of self-control can not be budgetary management, for this kind of people will have to "start up like a needle to pick up the soil, and lose the family is like the wave wash sand".

From the point of view, Zhang mother is a good family manager, so it is more rational to start a budget.

For some families, their members lack self-control in the use of income, and there is no concept of "counting".

Before learning budget management, this family must first learn to consume rationally, or else all family financial planning is impossible.

The key to a good family budget is the "advance budget, control in the matter, feedback afterwards, and constant adjustment".

The master seal of the story uses the family budget method to save money, and it can be valuable to keep accounting for a long time.

At the same time, making good use of money is an important aspect of family financial management. "Kai" is equally important for a family.

In this case, Shen Mei and Shen dad could draw out the daily bonus part for buying Treasury bonds in 1991, and at that time, they had the awareness of buying insurance, and after 2000, they had the idea and action of investing in real estate. They showed that they not only knew how to spend money, but also had a sense of investment and financial management. This is also very good.

Accumulation is the only way for wealth to succeed.

Gather together the sand and make the tower.

All Fortune Tower is built up from the accumulation of every little bit of savings. The accumulation of wealth is based on saving funds, which is equal to income minus expenses. Therefore, arranging a reasonable life is a very important link in financial management.

We believe that developing good consumption habits is the first lesson to achieve a successful wealth life. Most people who fail to get wealth and success are often the most basic lesson in this financial discipline.

Especially for those "light families" who are 8000 yuan in monthly income, spending 10000 or even where money is not clear, it is particularly important to make up for this lesson.

And a simple and difficult lesson to make reasonable arrangements for living expenses is bookkeeping and budgeting.

It is simple because bookkeeping is not difficult. It is difficult because it is difficult for a bookless person to insist on long term implementation even if he spends only a few minutes a day to keep accounts.

Of course, there is no definite rule for budgeting and bookkeeping. Every family can design their own financial management mode according to their own circumstances.

Zhang mother's family financial management measures, such as the "budget management law", the "gold" to balance monthly expenditure, quarterly expenses "zero storage and acquisition", special purpose, bulk consumption to budget review, leaving the invoice list monthly check and so on, it is very worthwhile for everyone to borrow.

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In fact, accounting for budgeting is the most difficult task for families who have not yet implemented or feel it is difficult to implement. It is very easy for them to develop habits in the first 3 months.

Here we introduce a simple "entry method" for your reference.

The first month begins to record all the expenses of the family, not only to be very detailed, but also to pay for every penny.

At the end of the month, a month's expenditure will be summarized and classified. The key point is to find out where the money is spent and see which money must be spent, which money can be spent, and some money is totally wasteful and should not be spent at all.

Second months should be based on the elimination of the first month. First, make a budget and continue to record all expenses.

Review at the end of the month.

This time, we should not only see where the money has been spent, but also compare with the budget. In this way, we should adjust the budget and increase the accuracy of the family budget. On the other hand, we should gradually develop the habit of using budget to control expenditure.

Third months continue to do so.

At first, it may be very troublesome. But in my experience, most people can gradually get into good habits of budgeting, bookkeeping, budget control and spending 3 months later.

Moreover, once the habit has been established and the feeling of spending money has been established, this process is very simple and easy, even without detailed written records.

I believe that as long as a good plan is made, for most families, the monthly savings can be increased by 20% to 30% without reducing the standard of living.

In addition, there is a very effective way to save family expenses. There is a very effective way to classify family expenses and then to arrange and manage them.

All our household expenses can be divided into three categories:

The first category is fixed expenditure, which is usually fixed and fixed expenditure. This kind of expenditure is very rigid and usually has some compulsion, so there is generally no room for savings.

Such expenditures should be first set aside in family expenses, such as loans, insurance premiums, property management fees and so on.

The second type is variable expenditure, which is mainly the daily expenses of families, such as opening up seven things, furniture, clothing, communications, water and electricity coal and so on.

These are necessary expenses for family life, but the amount of expenditure is adjustable.

Expenditure in this area basically reflects the basic standard of living of the family.

Therefore, we do not advocate saving too much in this respect, but we can arrange it more orderly and scientifically.

Generally speaking, whether or not to live is largely reflected in the reasonable arrangement of this expenditure.

The third type is the expenditure of flexible expenditure, which is generally not a necessary expenditure, and the range of fluctuation is very large.

For example, tourism, entertainment, communication, culture and education training, beauty and fitness, as well as the consumption of luxury goods and so on belong to this category.

To reduce household expenses, the most important thing is to pay attention to control in this area.

We say that it is also necessary to develop a reasonable consumption habit, that is to say, we should not keep up with the fashion in this kind of expenditure, and we should arrange reasonably according to our economic situation and financial goals.

Last but not least, the money saved should not be put in the bank, but should be a positive and reasonable investment portfolio, so that money can be generated to increase the passive income of the family.

In the process of wealth accumulation, Zhang mother is not only controlling expenditure, but also cares about the channels and opportunities of various kinds of financial management, and accumulates more family wealth through treasury bills, real estate investment and so on.