Professional Financial Planner Teaches You How To Achieve Financial Freedom.

In the era of P, there is no need for complicated skills. After making some financial goals, we will make five steps: < a href= > //www.sjfzxm.com/news/index_c.asp > Financial Management > /a > small methods. You can gain some benefits in 2013.

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< p > the first step is to understand all your cash assets.

The best way is to do a good job of budgeting including revenue and expenditure.

From the budget you can clearly see how much you earn and how much you can afford.

If your budget is made more complicated, you can give it to the financial advisor of Fu Fu.

If your past budget does not work, you should adopt the strategy of "first pay yourself".

This method is very simple.

Before you consume, please pfer part of your wish to the savings account.

Timely pfer of funds in the payment period online (Network) pfer, part of your income from your (current) account pferred to high interest accounts.

If you do not make a good budget, and after you have paid all your expenses, save some of your income for savings - it is very likely that saving such behavior will never happen.

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< p > I understand that the Chinese people are the most popular people in the world who prefer a href= "//www.sjfzxm.com/news/index_f.asp" to "savings /a".

However, whether the high net worth customers of Gao Fu's wealth or the young people who are still struggling with this article are doing well in budgeting, and pferring funds from their current accounts to high interest accounts in a timely manner, with a large number of years and a lot of years, it may be a great asset in a few decades.

Besides, the Chinese market has many short term, profitable financial products.

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< p > second step: worry about the cost of small flowers: Weekly takeaway food or daily latte consumption should all be added up.

For example, daily consumption of a cup of cappuccino seems to have little effect on the total value of your wealth.

But it costs you about $15 a week, or you spend $750 a year.

Give up your coffee purchase plan and pay the money to your mortgage account.

When the mortgage is 300000 dollars, if you don't buy latte any more, you can save up to 30017 dollars through long-term interest charges, so that you can repay the mortgage fee two years ahead of time (assuming the interest rate is 7.0%/ years). The third step is to seriously treat your credit card debt: a strict budget with the goal of full repayment every month.

My advice to Australians is to use the credit card balance to reduce the balance in the card as soon as possible.

If you have small credit card debt, choose zero interest trading.

Most of these pactions last for six months.

However, you can use a credit card with a lower advance interest rate, extending a longer period until two years.

If you have a larger credit card pfer, these are particularly appropriate.

However, keep in mind a key issue - do not delay your credit card repayment time, and always want to pay more than the minimum monthly payment.

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< p > but my Chinese colleague told me that if you can not pay the balance of < a href= "http://fz.sjfzxm.com/" > credit card < /a > in the interest free period, you will face very high interest rate, which is about 20% interest rate.

Moreover, in China, most people will repay in time, even if they are afraid of forgetting themselves.

For example, receiving the first notification, the repayment of SMS is the beginning of repayment.

I suggest you use a good Calendar Reminder software, such as computer and cell phone synchronization software, to understand each bank's repayment policy, timely repayment.

Do not advance a long time, owe the bank do not pay interest, money in the high interest account, do not forget to face 20% annual interest expenses.

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< p > next, the fourth step: there are many ways to increase your retirement savings. If you have the opportunity, please be willing to do so.

For example, tell your employer that you are willing to "dedicate" your salary to Supplementary Annuity, that is, pferring part of your pre tax salary to retirement savings (such as Supplementary Annuity) rather than saving these cash yourself.

Or if you can earn $31920 / year and $60920 a year, take part of your pocket as a supplement to your pension. I learned from my Chinese colleagues that many Chinese companies do not provide additional corporate pension policies, and many freelancers and even entrepreneurs do not set up a perfect pension system for themselves.

In fact, there are many good insurance products in the Chinese market as well as in other countries. The essence is the supplementary plan for personal retirement savings, with medical insurance.

The insurance money you receive is not taxable under the existing legal system of China, nor is it confiscated by judicial execution of any enterprise or individual's inappropriate legal acts.

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< p > finally, the fifth step is not just to accumulate wealth, but also to protect it: review your insurance policy, check if it is insured enough, the terms are right, and the quality and cheapness that are comparable from the same policy.

From the Internet, you can quickly and simply compare < a href= "http://pop.sjfzxm.com/popimg/fz/index.aspx > > Insurance > /a > cost.

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