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Thread: 个人理财的八大新观念

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    Default 个人理财的八大新观念

    观念一:把钱装进脑袋  小王退伍后,把工作的薪水全花在买书和参加各种培训上。后来他拿到mba证书,跳槽去一家外商公司担任高级经理,薪水比原来高出数倍。看来,知识就是财富,此言不假。年轻时把钱花在名牌上,不如装进脑袋
    观念二:教育好子女也等于赚钱   如果子女的学习成绩一般,想上好一点的中学要交择校费;高考成绩不理想,高价生和上民办大学的开支更大。因此,许多精明的家长从中悟出了窍门,改变只考虑为子女教育攒钱的老办法,而是注重了请家教、参加培训班、学特长等早教投入。孩子成绩好了,往近了说会节省择校开支,远了说更利于子女将来的就业
    观念三:夫妻aa制  aa制是指一种新的家庭经济模式;大致有两种形式:一种是夫妻每月各交一部分钱作为家庭公款,支付房租、水电费等共同家庭支出,其余则各自管理;另一种是请客、购物、车资等费用都各自支出,只在房贷、投资等大笔支出上平均负担。  这种理财方式能发挥个人特长,分散家庭投资风险。同时,夫妻双方财务独立自主也有助于减少矛盾,促进家庭和睦
    观念四:靠健康省钱  虽然人们的收入不断增加,但还是赶不上看病住院的花费涨得快。有道是健康是福,只要身体健康,自然就能省下一大笔钱。人们的健康观念应该逐步转变,如果不懂得爱惜身体而节省,什么都不舍得花,无疑步入一种贪小失大的误区。应该将部分花费投资于外出旅游、购买健身器材、合理饮食等。减少生病住院的几率,实际上也是一种科学理财。在健康上多作些投资,惟有健康才是最大的节约
    观念五:平安如赚钱   人生在世,平安不仅是一种福气,而且等于赚了钱。因此,理财应该把安全放在重要位置上。从居家到出门,从大人到小孩,从用电到用火,从骑车到走路都应该做好安全的防范工作。自行车、热水器、高压锅、电线,如果发现破损、陈旧、超期就应该及时更换,不能为了省钱而不顾安全
    观念六:不贪财不破财  现在社会上骗子很多,生活中时有骗子找上门来的事。骗子之所以能够屡屡得手,无非都是打着各种诱人的幌子。许多人之所以上当受骗,无非都是源于一种贪便宜的心理。其实,天上不会掉馅饼,世上没有免费的午餐,这是人人应该懂得的常识。只要我们不抱贪便宜的心思,对外界的诱惑随时保持警惕,自然就不会上当受骗,不破财其实也就是成功的理财
    观念七:破小财免大灾  只要条件许可,应考虑尽早为家人购买寿险和医疗险(包括人身意外险、大病险等保险)。虽说这类投资不求回报,打水漂儿最好,可俗话说,天有不测风云,人有旦夕祸福,一旦灾祸降临(尤其是担负着家庭主要经济来源的成年人出了意外),买过保险与否便大不一样了
    观念八:勤俭持家不如导向  过去我们常说吃不穷,穿不穷,算计不到要受穷,但如今已经落伍了。能挣会花日渐成为最流行的理财新观念。发挥个人特长经商或谋取兼职,广开财源;挣钱后科学打理,积极消费,从而尽情享受挣钱和消费带来的人生乐趣

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    科学理财。

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    不贪财不破财

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    挣钱后科学打理,积极消费

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    懂得爱惜身体而节省

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