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随着人民生活水平的不断提高,众多工薪家庭的金融意识也随之增强,但理财、聚财、生财仍缺乏一种系统的观念,无法把握适合自己的理财方法和获利形式,甚至误入歧途。那么,工薪家庭在理财时如何把握自己呢?笔者以为关键在于保持清醒头脑,考虑到“四性”。一、计划性家庭理财计划可以使家庭“财政”处于一个比较宽松的环境之下,确保理财重点并兼顾其他,避免家庭财政隐患,从而使家庭处于一种积极向上、稳步发展的状态。同时,还能促使家庭成员养成良好的消费和思维习惯。
With the continuous improvement of people’s living standards, the financial awareness of many wage-earners has also increased. However, there is still a lack of a systematic concept of managing wealth, collecting wealth and making money, failing to grasp the financial methods and forms of profit suitable for themselves, Astray. So, how do wage-earners hold themselves when managing money? The author believes that the key is to keep a clear mind, taking into account the “four characteristics.” First, a planned family financial plan can make the family “financial” under a more relaxed environment, ensure that the financial management focuses on others and avoid others’ financial risks, so that the family is in a positive and steady state of development. At the same time, family members can also promote good habits of consumption and thinking.