Saving money not only helps to build up one's self-reliance, but also keeps one's mind at peace. However, it is very easy for people to have a shortfall in their money without even realizing it.
The Jewish people are the richest people in the world, the "Golden Cave of the World". But the secret of their wealth has never been revealed to the public. Jews make up only 0.3% of the world's population, but they control the lifeblood of the world's economy. In the United States, Jews account for only 3% of the population, but according to the information selected by various wealth magazines, Jews account for half of the world's richest entrepreneurs. It can be said that Jews are the richest businessmen in the world. It is said that Jews know how to "prevent leakage", which is the secret of their ability to "accumulate wealth".
In our family life, very many unnecessary expenses are the main cause of leakage. However, the leakage is often due to unconsciousness, after all, money is very slippery, even if you do a good job of budgeting beforehand, curbing luxury spending, money still has a way to find a loophole to flow out.
In order to prevent the leakage of funds, and strengthen the family's financial health, the following five common family leakage roots, must know:
1. First deduct the fixed amount, and then allocate the enjoyment of the moneyEveryone's salary structure is different, spend money in a different way; to achieve financial leakage, the most basic principle of the use of funds is to be divided into categories, the management of the special account. For example, office workers often use the annual leave for their own planning "reward trip", regardless of the domestic and foreign, far and near, the ultimate goal is to eat well, live well, and have fun. At this point, spending money is just a way to make yourself feel happy, but invariably it becomes a big financial hole.
In order to let yourself enjoy the vacation without burden, use the end of the year or the beginning of the year when the annual travel plan, the destination, the related costs carefully listed clearly, add up the total amount needed. The newest addition to the lineup is the newest addition to the lineup, the newest addition to the lineup, the newest addition to the lineup.
When transferring your paycheck to a dedicated account, you have to deduct your fixed expenses first, and then you can transfer the rest of your money out. The first thing you need to do is to get your hands on a new computer, and you'll be able to do that with a new computer. The newest addition to the lineup is the newest addition to the lineup, the newest addition to the lineup, the newest addition to the lineup.
2. Mortgage not more than 3% of monthly incomeIt is the dream of many young people to have a house of their own, but if you want to fulfill your dream, without assessing your own financial situation beforehand, you will have to bear a huge mortgage, not only the original quality of life will be reduced, but also the monthly mortgage repayment will also be used to pay for other financial planning, such as insurance, pensions, children's education, etc. This is a very important step for the future of the world's most important companies, as they are the only ones who can afford the costs.
In our society, the concept of "having a home is having money" is still y rooted, but it is not wise to deteriorate one's quality of life by paying too much for a mortgage, and hindering one's ability to invest in financial resources.
A better approach would be to keep your monthly mortgage payments within 30% of your salary, and the remaining 70% for other living expenses and financial investments, so that you can fulfill your dreams without making yourself feel the heavy financial pressure, which would be ideal. In foreign countries, young people will rent a house near the company, not only to save time and cost of daily commuting, but also to reduce the burden of high mortgage payments, and to have fun during holidays; buying a house is a good choice for those who have enough financial resources after retirement
A suitable place for one's own retirement would be the only thing to be considered. With the increase in work experience and salary growth, young people can first accumulate a higher down payment, and then look for a housing target, so as not to let their lives into a difficult situation.
3. Insurance spending within 10% of monthly incomeWith the gradual increase in family risk awareness, the cost of insurance has been one of the fixed monthly expenditure items. The premiums are too low, so I'm afraid that the family protection is not enough; too high, and I'm worried about the waste of money. In general, premiums are limited to 10% of the family's monthly income, and the amount of coverage should be 5 times the annual income, which is considered reasonable.
Generally speaking, when a family suffers an accident, it takes about 5 years to recover the original financial situation. The first step is to buy an insurance policy for yourself, which covers accidental insurance and regular medical care. When you enter a family and your responsibilities increase, you can increase the amount of life insurance, and also plan for medium and long-term financial management.
4. Educational expenses controlled at 10% to 15%From the level of educational psychology, money can make your life better in the following aspects: healthful senior entertainment, high-level education, travel, health care, financial security after retirement, friends, stronger self-confidence, fuller enjoyment of life, more freedom of self-expression, inspire you to achieve greater success, and provide the opportunity to engage in public service. opportunities for public service. However, some people are influenced by the fact that they live across the street from a prestigious private elementary school. Since the school emphasizes character education, which is in line with their ideals, they decide to enroll their only baby son in the school. As a result, the tuition and fees are $60,000, you have to stay after 4:30 to learn a talent, and you have to pay for two to three more talents per semester, as well as other snacks and other items, etc. If you live far away, you also have to pay for school buses and meals, which is dozens of times more than the cost of a public school!
There are too many investments in children's education like this. In fact, it is better to keep the education expenses within 10% to 15%. As a parent, you should also evaluate the cost of tuition and fees per semester and the cost of talent learning, and the average monthly expenditure should be controlled within the range of the family's monthly salary.
5. Car maintenance does not exceed 5% of the monthly incomeCar maintenance in the financial behavior is a negative number, because the car will not increase in value, and even depreciation. It will leave you with less money.