Marriage is both a combination of two separate life, is a merging of two separate financial records, both of them it is necessary to strive for the concomitant whole life and map out a strategy for happiness financial management, financial problems are a major factor contributing to marriage wrecked, how can financial crisis not become obstacles to marriage journey? How to create the key to the success of financing it?
Recommended that the expert: Yang Min (Shanghai Pacific Antai life insurance company)
Financial key: rainy day conscious living within our means
Over the years, the traditional Chinese women hold \"well done than good marriage\" concept, all centered on the husband, will only see jail her husband in his pocket money, while ignoring their own wallets. With the development of society, women in work, daily life on an equal footing with men, on the revenue side are starting to par with men at the same position. In addition to financial independence, marriage is still tested female financial management concepts, an important stage.
Take precautions: happy single life
Many young women\'s lack of financial management experience, not financial planning, fashion and brand name, often by intuition, impulse shopping interest, causing living beyond its means, much less for married and buying and saving money. So single women taking into account the future family life should be taken of the following financing arrangements:
1, development of financial planning
This phase women just work soon, financing purposes, mostly related to marriage with studies, tourism or reserve funds, revenue in this stage is also less in the course of the overall work. Therefore, should take into account the characteristics of their own age, part of the revenue can be paid into a Bank, despite the lower bank interest rates, but gains stability of interest. In addition, you can invest a bit of better reputation, gain stability Fund, insurance premiums lower pure protect life insurance or health medical insurance of hospitalization, major disease.
2, properly controlled consumption desire
Appropriate control of strong consumption desire, minimizing waste, forming healthy consumer psychology, this stage of financial management should focus on short-term bank savings and flexibility stronger, in order to protect insurance. Consumption, savings and investment income can be divided into three parts, preparing for the future in love, get married. Amount of savings depend on the needs of future marriage, should develop a more detailed plan, utilize bank savings in many different ways for regular savings on time. As regards insurance, major recommended and age-related health insurance and accident insurance, because the women of this age level, often good health easy insurance. As some major diseases on the hospital insurance and regular health insurance in the price paid is a constant in the future, so, the sooner the participation, the better.
3, working financing three magic weapons
Participate in the work should do three things: first, the establishment of a 20%~30% per cent of your income and savings fund. Secondly, the budget expenditures on education, 10%~15% per cent of their income. Single family should take no more opportunities in family burden, spare time, participate actively in the various forms of educational activities, knowledge, skills, seek greater development of laying the groundwork for the future, this is a long-term investment. Third, to participate in a 5%~10% per cent of your income and health insurance. As regards other aspects of investment and avoid because of their lack of risk prevention and interest.
Careful: entering the marriage hall
Is the top priority for the life of marriage, from planning to get married to formally entered the temple marriage, marriage for each family, there is a no small expense. If a common planning, put your money on the cutting edge, not only can alleviate economic pressures arising from the marriage, can also bring reasonable financing of the common joy and happy married life laid a solid foundation in the future.
Bride wedding witness was a most beautiful moments in life, after a good auspicious, first consider is the wedding, leaving first imprint of married life. Married friend around the proposals because they best wedding photography price, service quality, and from which to choose the most appropriate.
In price, should have a clear understanding that each wedding photography company providing service, not only cheaper, so as not to leave a regret. As long as you pinching a contract, you can request one Miss upgrade. 5 modelling can be increased to 6 free, 25 photo into the album photos to turning 30, Chief photographer and make-up artist can specify ordinary wedding area can rise to the VIP area, rest room to separate, stick can add from 10 to 30, much more film to buy can reduce price one-third of sth Nothing cannot be bargained. How to upgrade? Reference to the wedding of two or three levels higher than you generally can\'t be wrong.
At the same time, to consult this service can also provide floats on the day of marriage, bride makeup, holding flowers, wedding dress, to avoid unnecessary expenditure. General $ 1688~3888 in the market price of the service can already meet the normal needs of families. Department of research Studio at low prices. Want to photo album photo in full to the brim, just some sacrifice in the mid-range of the gifts, 2 sets of low price and convincing album complicated modeling and Miss. For example, a photo studio of $ 3,888, 3 sets of modelling, 26 photos into books; and two ex-gratia payment of $ 1888 modelling, volume 16 photos into--1+1>BR>
Marriage and ultimately treat to eat, that is, \"the wedding\". In consultation with both parents consent, lists of statistics carefully asked friends and family, and ready to be plenty of time to confirm arrival. No matter what the occasion arrangements have to be accurate to people, avoid unnecessary waste. Many hotels for group function banquet, there are different levels of discount. At the same time, coordination with the hotel wine-owned, you can save a sum of no small expense.
As exhibits of the marriage--diamond rings are new people to a no small expense. Generally speaking,
30 points or less single beauty of drilling and diamond ring, sufficient to express love and accepted by the sectors of the general revenue. If economic conditions permitting, selected diamond jewellery of 50 or better, because more than 50 diamonds have considerable value, added value, a certain value of investments, of course, valuable. Buy diamond jewelry at the same time, must remember identification certificates require businesses to produce national testing sector.Bridal shopping must cover tight pocket money, don\'t impulse spending. List of the best things that you want to make a marriage, make their purchase became the target of, at the same time do a budget, that cost overruns, it is best to every commodity is a psychological price points, pick their favorite products and also to remind myself not to cost overruns.
New romantic honeymoon full of hopes and expectations. Therefore, new needs careful planning, from newspapers, magazines or online viewing tourism promotional set, such as information on special discounts, chain-like hotel discount accommodation information. Select the location of a both sides are longing for, if your travel date is to determine (such as for travel immediately after the wedding), you can select the destination of the trip to those not in season, so not only can save a lot of overhead, and also to avoid the crowd of the season.
Revenues: happy family, two of the world
After both men and women get married and have a wealth management will be the common responsibility of both husband and wife. For each of the new family for a couple, how to face the family finance is indeed a big problem. So, how can under the circumstances, establish reasonable family finance system, stable income from small to large families, play a role in the preservation and appreciation of?
Got married, left for savings, with the happiness of two worlds, is more a responsibility and concern for the family of the parties. Don\'t still maintained a maiden \"petty bourgeoisie\" consumption habits. For example, used to after work to buy flowers to his wife a month was a not a small sum of expenses; in addition, two of them rarely Cook yourself, hotels are all near the; other phones are commonplace, his wife\'s clothes are also today to buy tomorrow throw sth So unwittingly lost money.
First, plan their growing the next generation of time, to be prepared, don\'t let unexpected surprise for the family economy. Set about when, not forget proper to do some short-term savings. There is reserved for the forthcoming birth of the child learn necessary living expenses and education expenses.
Secondly, as age increases and increased social experience to appropriately increase role insurance plays an important protection for the family. According to Chinese marriage customs, women often choose to 3~5sui male older than their age to get married, and in accordance with the laws of average life, women\'s longer life expectancy than men 3-5 years. This led to a number of women in the last 6-10 years or more is a long time people spend. Therefore, recommends that the General family of women, for their other half bought some whole life insurance, buy Term life insurance for themselves. 10%~15% premiums we suggest to not more than the entire household income, the couple 10~20 times the total income is the sum of the two sides.
Third, some bold investment according to the characteristics of both sides. However, in order not to affect the normal life of the family, investment in this area should not exceed their family assets one-third. To seek and secure, to hedge financial products, Treasury is one of the most secure way of managing money. Considering that do not pay tax on interest, withdraw according to the corresponding interest rate level interest advantage, government bonds should be preferred to bridal family finance. Open-end Fund with \"small expert financial management, risk, high return\" feature, purchase operation stable, good growth of open-end Fund, or a savings nature of currency will also achieve higher income of the Fund.
Comprehensive recommendations of experts:
1, everyone\'s money and perceptions, spouses should fully respect their spending habits of living habits, to progressive mutual life in the future to be transformed or adapted. Necessary cases, establish premarital property notary, to family property disputes that do not need to provide a legal basis in the future.
2, set the two sides of idle funds, implementing parental responsibility investment management, common investment funds have higher levels of income of the family. Appropriate insurance coverage, enhanced resistance to bending of the family.
3, consciously uphold the family of \"financial system\", without accounts, and secretly stashaway, balance of mutual supervision, may apply \"two-way\" methods of management: \"accounting\", \"teller\".
4, compulsory savings, gradually accumulated. Drop the cost of daily living, a couple part extracted from the wage fund joined the installment savings bank, the money to buy bonds or investment life insurance, property insurance.
5, couples should plan of their future as soon as possible, such as rearing offspring, buying houses, buying large items for domestic use, with careful consideration.
6, living within our means, grasp the financial situation. Set up an account, expenditure for each time period, to let the family finance scheme more reasonable.
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