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李秀1996年到南方一家纺织厂打工,次年与同乡田涛结婚,现在女儿已经上小学一年级,三口人住在租赁的一室一厅。其家庭月收八为3500元,几年来两人勤俭持家,积攒了7万元的资产,其中有银行定期储蓄5万元,凭证式国债2万元。除日常生活开支,李秀一家现在每月能有2000元左右的结余,但对购房、孩子教育等预期开支却未敢乐观,理财行为也十分谨慎。其家庭总的理财目标就是能增加投资收益,尽快过上居有其屋、衣食无忧的小康生活。
Li Xiu went to work as a textile mill in southern China in 1996, and married Tian Tao, fellow villager, the following year. Now her daughter is in first grade and three people live in rented rooms and halls. The family monthly income of 3,500 yuan, in recent years two people thrifty family, accumulate 70,000 yuan of assets, including bank savings of 50,000 yuan on a regular basis, certificates of warrants 20,000 yuan. Except for daily expenses, the Li Sau family can now have a balance of about 2,000 yuan per month. However, the expected expenditure on home purchase and child education has not been optimistic and the behavior of financial management is also very cautious. The family’s overall financial management goal is to increase the return on investment as soon as possible and live comfortably and well-to-do life.