Moonlight Girl Becomes Fortune Girl'S Financial Manager

"Most women are the controls of their families.

Story 1

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Ms Li, 26, is a self-employed person.

She mainly engaged in notebook beauty, luggage and product care business.

Because she is young and willing to work, although she does not have a large business scale, she has a steady income every month.

Like all post-80s generation, she is a "Singleton", free and free.

She pursues fashion and has few definite consumption plans.

But "singles" sometimes are not really "expensive", Ms. Lee is the real "moonlight clan".

"At the end of each month, I hardly have any balance.

But after careful reflection, I don't know where the money is.

Once I have spare cash, I must accumulate it by stock, otherwise, the money will disappear.

I have been surprised to say that I haven't saved money for many years when I talk about entrepreneurship with others.

Even I was surprised. "

The current confusion: how to manage our finances scientifically and how to get rid of it?

Experts answer: the biggest problem of moonlight clan is no money.

So is the accumulation fund first open-source or first cut?

"Throttle first."

Cao Feng said that at present, there are more single moonlight families, and there is no accurate plan for personal expenses, often buying unnecessary items with the mood. Therefore, if we want to save money, we must first cut down expenses.

You can also run a bank card, save a little money every month, and accumulate a lot of money.

A girl who has already fallen in love can give her card to her parents or friends, supervise herself and control her desire to spend money. In order to accumulate the "first pot of gold" in the future, she can make further financial considerations.

Story 2

Want high yield, but also safety, how to invest?

Ms. sun, 34, has a steady family income and a monthly income of 20 thousand to 30 thousand yuan.

The two husband and wife did not forget their savings when they enjoyed their family life.

After several years of accumulation, the family now has about 200 thousand yuan of deposits.

Recently, how to maintain the value of her idle funds has been perplexing Ms. sun.

"In the past, real estate has always been a good investment direction, but as housing prices continue to rise and property tax changes, housing is no longer the best investment plan."

Ms. Sun said that she had also considered putting money in the Guarantee Corporation, but worried about insecurity.

The current confusion:

Ms. Sun said that she mainly wanted to pursue a slightly higher income investment to prevent the depreciation of deposits. This investment means also to bear greater risks. Is there any relatively safe way to invest?

Experts answer: Ms. sun's funds are relatively abundant, if there is energy, you can try gold investment, make gold Au (T+D).

"For example, we have a customer who is a state-owned enterprise employee. In the early September 2010, when the gold price was 273 yuan, she invested more than 40 thousand yuan margin to buy more than one gold bill, which was optimistic about the future of gold.

In December 13, 2010, the gold market turned a bit weak, and she cleared 300.8 yuan to clear the cost, net profit of 26800 yuan, and the profit rate of more than 50%, far exceeding the normal wage income.

Cao Feng said that Ms. sun's situation is more suitable for investment in gold and silver (T+D). If it is difficult to operate, it can be entrusted to professional financial personnel, or slowly try with a small amount of money, and become familiar with fixed investment.

Story 3

Less money and less care, which is more appropriate to invest.

MS LV, 28, now runs a small mold factory.

After several years of hard work, her factory has made a sound and bright future.

The factory can earn about 300 thousand yuan a year.

Because of busy work and high housing prices, Ms. Lu currently has no housing in Zhengzhou, but there is a plan to buy a house.

From her current development, she will have the ability to pay in the future.

MS Lu now has 100 thousand to 200 thousand yuan of idle funds.

Her child is 3 years old, and as her child grows older, household expenses will increase. She worries that the amount of deposits available will not meet the needs of future consumption.

She wants to regenerate "money" through some way of managing money, at least not allow her hard earned money to depreciate under the influence of the economic environment.

The current confusion: Ms. Lu wants to know which way of financing is appropriate for her current strength and condition.

Expert answer: we want to invest through stable fixed assets, but we should not worry too much about it.

Cao Feng said that Ms. Lu can consider "gold fixed investment", this investment method is more flexible.

Like ICBC has a ruyi gold deposit business, it can provide customers with two choices of active accumulation and regular storage. It also provides two ways of accumulating by amount and accumulating by grams. When customer accumulation reaches a certain quantity, gold bullion can be extracted.

"This way corresponds to real estate and other forms. The investment threshold is low, and a lot of money is accumulated. It is very suitable for individual customers to invest in small and continuous gold, and also has the effect of resisting inflation."

Cao Feng said.