How do white-collar families manage their finances when they grow up? According to the definition of white-collar workers, white-collar workers refer to people with high education and work experience, and generally refer to employees engaged in mental work in enterprises and institutions in China. White-collar families are under great pressure in their growth period, so they must have a reasonable financial plan to make life easier.

According to the meaning of financial management, financial management is the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance. The growth mode of white-collar family financial management, I think, can be carried out from the following aspects:

First, learn to make money.

Only by learning to make money can families earn income. This part of income includes work income generated by personal resources and financial income generated by monetary resources. Work income is made by people, and financial income is made by money.

Second, learn to use money.

Some people have expenses and families have burdens. The main purpose of making money is to meet personal and family expenses.

Third, learn to save money.

Learn to save money to ensure that the current income exceeds the expenditure. Only in this way can there be savings, and the savings accumulated in each period are capital.

Fourth, learn to borrow money.

Borrow money when cash income cannot cover cash expenditure. The reason for borrowing money may be temporarily unable to make ends meet, buying real estate or cars or daily necessities that can be used for a long time. In addition to borrowing money from friends, you can also borrow money through credit cards and loans.

Fifth, learn to save money.

Life needs money everywhere. If you want to live a good life, you must first learn to save money. Before you buy something, think about it: what's the use of buying him? Is it right for me to buy now? Is it better to buy it at a discount?

Sixth, learn to raise money.

Generally speaking, raising money is to buy social insurance as a whole, and commercial insurance is needed as a supplement when appropriate. Once you get sick or have an accident, you can get compensation for medical expenses and insurance, which will not drag your family down and reduce their risks.

Seven, we must learn to protect money.

Capital preservation is generally used for financial investment (risky financial products, stocks, futures, foreign exchange, etc.). ), which focuses on risk management. When there is a loss, you can get financial management to make up for it. In this regard, it is generally to set a stop loss point, reach the stop loss point, stop loss quickly, and leave.