20 10, my mother gave me all the savings of160,000. Holding this heavy family property in my hand, I am determined to do a good job in financial management for my family. So after some calculation, I decided to carry out a new reform in financial management. I have abandoned my father's old idea that he can only keep his money in the bank, and I am even more dismissive of my mother's outlook on life that she will not be diligent in keeping the house after eating all her money. I think the first element of financial management is to make savings reach the maximum safety factor, followed by maintaining and increasing value. I'm still studying. If I get sick, the money will flow out. I bought myself a commercial insurance. Although it costs 4500 yuan a year, I think it is much more cost-effective than putting money in the bank. Because this is the most scientific way to reduce potential risks. At the same time, I also turned my attention to the stock market. I bought a fund before the Spring Festival, 654.38+ 10,000 yuan. Although the market has gone up and down now, I'm not worried about devaluation because I have a long-term plan. In addition, according to the theory that you can't put your eggs in the same basket when investing, I bought the remaining money into treasury bills with considerable relative returns, which can be cashed in advance for a rainy day. It is a dilemma, which is much more cost-effective than the survival period. In daily life, after careful calculation, I set the monthly food expenses as 1000 yuan, and keep an account every day. My father is satisfied with my scientific housekeeping, but my mother is too tired to live like this. I said, "You should also go out and find a job to increase your family's income. Don't be tired all the time. "

Only when you have experienced it yourself can you know that a financial expert is unusual. I always wanted to spend money when I had it. Now, after recording my usual expenses every day, I know that money is hard to come by just looking at the rising consumption every month. What I'm thinking now is how to lay eggs, Qian Shengqian.