幸运飞艇不贪稳赚

怎样成为理财达人?不同年龄阶段的理财方式

作者:小柠类型:整合 发布时间:2019-06-13 14:53

NVXINGZHIYOUJINGJIDULILE,CAINENGANZHAOZIJIDEYIYUANSHENGHUO,CAINENGYONGYOUBUDUANCHONGSHIZIJIDEZIBEN。YOURENSHUOXINSHIDAINVXINGDEBIAOZHUNSHI:SHANGDELETINGTANG,XIADELECHUFANG,SHADELEMUMA,FANDELEWEIQIANG,DOUDELEXIAOSAN,DADELELIUMANG。WODAOBUJUEDEZHEIYOUSHENMEFENGCIYIWEI,MEIGERENDOUSHIDUYIWUERDEGETI。SUIZHENIANSUIZENGZHANG,GERENDENENGLIHERENZHIYEYAOBUDUANZENGZHANG。ZUOGEYOUNEIHANDECAINV,SHOUXIANJIUXUYAOJINGJIDULI。NEIMERUHECHENGWEIYIGELICAIDAREN,ZAIWANNIANSHENGHUOZHONGXIANGSHOUDAOLICAIDAILAIDEXINGFUGANNI?

1. 养成记账习惯

SHOUXIANYAOLEJIEZIJIDECAIWUZHUANGKUANG,YIDINGYIDINGYAOCONGJIZHANGKAISHI。SHOURUHAOJI,ZHICHUQUEHENSUOSUI。HENDUOXIAOXIANNVDOUBIAOSHI,GANJUEZIJISHOURUHAIMANDUODE,DANBUZHIZENDEYUEZHONGJIUBUZHIBUJUEHUAWANLE。JIAOLEFANGZU、MAILEJIJIANXINYIFU、HUFUPINHUAZHUANGPIN,JIAOTONGFEI,YIRISANCAN。ZHOUMOGENPENGYOUJUJUCAN,KANKANDIANYING。YIGEYUEXIALAIJIUMEISHENGDUOSHAOLE。XIAOBIANZIJIZAIGANGGONGZUODESHIHOUYESHIZHEIZHONGZHUANGTAI,MANNAOZIDOUSHI:QIANHUAQUNALE?YAOXIANGQINGCHUQIANHUAQUNALE,YIDINGYAOCONGYANGCHENGJIZHANGDEXIGUAN。

2. 清算资产

ZAIQINGCHUZHIXIAOZIJIDEZHICHUQUXIANGHEDAZHIFANWEIHOU,KEYIKAISHIZHESHOUQINGSUANGERENZICHAN。BAGERENCAIWUDANGZUOGONGSICAIWUYIYANGLAIZUO。JISUANMEIYUEDESHOURU、ZHICHU、GUDINGZICHAN、LIUDONGZICHAN、FUZHAIDENGZHUANGKUANG。QIZHONGYOUYIGEFEICHANGZHONGYAODESHUJU:CAIWUXIANJINLIU。

CAIWUXIANJINLIUSHI:SHOURUYUZHICHUZHIJIANDECHAE。KEYISHIZHENGXIANJINLIU(YINGYU)HUOFUXIANJINLIU(CHIZI)

幸运飞艇不贪稳赚 RUGUOCHUXIANXIANJINYINGYU,JIUKEYIYONGLAICHUXU、TOUZIHUOZHEQINGHUANZHAIWU。RUGUOSHIFUXIANJINLIUJIUFEICHANGBUPINGHENGLE,ZHICHUDAYUSHOURU,XUYAOJIKECAIQU“KAIYUANJIELIU”,ZENGJIASHOURU、JIANSHAOZHICHUDEBUJIUCUOSHI。

每月的财务现金流去向有以下建议

幸运飞艇不贪稳赚 YIBUFENFANGRU“YINGJIZIJINZHANGHU”,YIBANYULIU3~6GEYUE,YONGYUSHENGHUORICHANGKAIZHI、FASHENGYIWAIDEYUBEIJIN。

YIBUFENFANGRU“QIANGZHICHUXUZHANGHU”,DUIYU“YUEGUANGZU”HUOZHESHIGANGGONGZUODELAISHUO,QIANGZHICHUXUFEICHANGFEICHANGYOUBIYAO。MEIYUECHUXU10%-20%ZUOYOU。ZHEIBUFENSHIZHICUNBUQUDE,BUYAOFANGZAINENGQINGYIQUCHUDEDIFANG。

幸运飞艇不贪稳赚 YIBUFENFANGRU“TOUZIZHANGHU”,TOUZIMUBIAOANZHAOSHIJIANDEZHANGDUANFENWEILIANGGE:

幸运飞艇不贪稳赚 1.DACHENGZHONGDUANQIDECAIWUMUBIAOBIRUMAICHE、DUJIA、YOUXUE、PEIXUN

2.ZHANGYUANDECAIWUBAOZHANG,RUTUIXIUYANGLAOGUIHUA

3.BUTONGJIEDUANBUTONGLICAIMUBIAOHEFANGSHI

20-30SUI

20~30SUISHIXIANLECONGDAXUEBIYEDAOQINGSHUNVDEZHUANBIAN。CISHIDEXIAOXIANNV,CHURUZHICHANGBUJIU,HENDUORENHAIMEIYOUBAITUOYUEGUANGZUDEDUIWU。XINKUJIABANZHUANLAIDEQIAN,ZAICHAOSHISHANGCHANGSHUAYISHUAKAJIUMEILE,WUNAIZHINENGCHENGWEIXINYONGKADEKANU。RIZIGUODEXINSUANDANSHIHENKAIXIN。XIANGRANGQIANZHUANQIAN,WUNAIJIXUTAISHAO。ZHEIGEJIEDUANRENGYAOZHUYI‘CHUXU’DEXUSHUIZUOYONG。ZAI20~30SUIZHEIGEJIEDUANDEDANSHENNVXUANHAOLAOGONGYESHIDADETOUZI,SUHUASHUO‘NANPARUCUOXING,NVPAJIACUOLANG’。HUNYINSHIZHEIGEJIEDUANNVXINGDEYIXIANGRENSHENGTOUZI。HUNYINZHEIGECHULIHAOLE,JIUSHINIZUIDADECAIFU;FANZHI,ZESHINIZUIDADEZHAIWU。ZHEIGENIANLINGDUANDEGUNIANGYIDINGYAOZUOHAOLICAIGUIHUA,WEIHUNYINCHUBEIGANLIANG。

30-40SUI

幸运飞艇不贪稳赚 30~40SUIHENDAYIBUFENYIWEIRENMU。ZHEIGESHIHOUHUIBEIFUFANGDAICHEDAI,SHENGHUOZHUJIANYOUYALI。ZHEIGESHIHOUWEILEHAIZIDEJIAOYUZHUNBEIJIJINSHIXIANGLICAIZHONGDIAN。JIZAOWEIHAIZIJIAOYUZHICHULICAINENGGOUJIANQINGYIHOUHAIZISHANGXUEKAIZHIDEYALI。ZHEIGESHIHOU,YAOZUOHAOJIATINGFENGXIANGUIHUA,JIANLIJIATINGFENGXIANJIJIN,ZENGJIAGOUMAIJIATINGBAOXIAN。ZHEIGESHIHOUKEYIKAOLVGOUMAIYIXIEJIJINXINGDELICAICHANPIN。LIRU,KAIFANGSHIJIJIN、WAIHUILICAICHANPINDENG,ZHUYITOUZIQUDAODEDUOYANGHUA。LINGWAI,JIAOYUJIJINSHIYIGEZHANGQIDETOURUGUOCHENG,YINGDANGYUEZAOTOURUYUEHAO,ZUIHAOZAIXIAOHAIGANGSHANGSINIANJIDESHIHOUJIUKAISHIJINXINGJIAOYUJIJINDELICAI,JINXINGJIAOYUCHUXU。FOUZE,QIBUDAOYINGYOUDEZUOYONG。

40-50SUI

40~50SUIJIANGMIANDUI4-2-1DEJIATINGMOSHI,SIGELAOREN,XIAOLIANGKOUHEYIGEHAIZI。SHANGYOULAO,XIAYOUXIAOHUIDAILAIHENDADEJINGJIYALI。CISHI,JIATINGZHICHUYINGDANGZUOWEILICAIZHONGDIAN。HELIDIZHIPEIJIATINGRICHANGZHICHUBAOZHANGJIATINGSHENGHUODEWENDINGSHIZHONGDIAN。CISHIGUIBIJIATINGDEFENGXIANXINGZHICHUSHIBIXUDE。JIANYIFENGXIANXINGLICAICHANPINJINLIANGSHAOXUANZE,DUOXUANZEWENJIANXINGDIFENGXIANDELICAICHANPIN。CIWAIYAOGENJUJIATINGRICHANGKAIZHIDUOSHAOLIUZUYINGJIZIJIN。ZHEISHINVXINGYALIZUIDADESHIHOULE。

50-60SUI

50~60SUIJINRURENSHENGDEYOUXIANJIEDUAN。ZINVSHANGDAXUE,JIATINGJINGJIFUDANJIANQING,CISHIKEGENJUJIATINGQINGKUANG,KUODALICAITOUZI,SHIDUKAOLVFANGCHANTOUZI。60SUIYISHANG,LICAINVYIJINRUXIYANGHONG。CISHI,JIANKANGSHILICAIDESHOUYAOMUDE,RICHANGKAIXIAOYEHUIJIANSHAO,XIANGSHOUSHENGHUODELEQUBIYANJIURUHEQIANSHENGQIANGENGWEIZHONGYAO。

在各个人生阶段的实际情况不尽相同,但有一点是相同的,那就是人生的黄金时期就那么几十年,在这几十年里你要不断地学习如何理财,才能在晚年生活中享受到理财带来的幸福感。