家庭理财,一般包含两个内容:生财与节支。如果扒分有术,而支出无方,也就前功尽弃。挣得多不如用得巧,可谓至理名言。 买新不如租赁。现在是买方市场,市场商品丰富多彩。除去必要的固定资产如家具、冰箱、微波炉等,有些物品可以采用租赁方法,既方便又省钱。如孩子用的童车、专用床、高档玩具、钢琴、电子游戏机等都可花小钱租赁,因这些物品有的属于阶段性用品,有的属于价钱较贵的商品,租赁就显得合算多了。又如家用电脑、手机、婚纱、装修用的电动工具也可采用租赁的方法,一来电子产品升级换代快,二来有些高档用品只需用一次,买下来闲置大于使用时间,资金就显得浪费。 Family financial management, generally contains two elements: making money and saving. If there is surgery, and no spending, it will give up. Rather than earn too much to earn, it is fair to say. Buy new lease. Now is the buyer’s market, rich and colorful market goods. Remove the necessary fixed assets such as furniture, refrigerators, microwave ovens, etc., some items can be leasing methods, both convenient and economical. Such as children’s stroller, special beds, high-end toys, piano, video games, etc. can spend small rental, because some of these items belong to the stage supplies, and some belong to the more expensive goods, leasing is more cost-effective. Another example is the home computer, cell phone, wedding dress, decoration, electric tools can also be used leasing method, one electronic product upgrade faster, and secondly, some high-end products only need to use it once, idle time is more than buying, the funds appear to be wasted .