Spicy Mom's Financial Diary: The Perfect Transformation from a Full time Wife to an All rounder Wife

30After the age of, the job gradually becomes stable, the family is in the growth stage, and the workplace is becoming more and more comfortable with higher wages. This is the ideal state for every family. perhaps in30Before the age of 12, I was a member of the Moonlight Clan, perhaps with debts, but each one30After the age of one, everyone has their own financial management book.
Take Ms. Sun as an example. Since the birth of her child, she has been a full-time housewife at home. Her husband works in a private enterprise and earns a monthly salary of2About ten thousand. In the past two years, when most people were lamenting the high housing prices, Ms. Sun's family had already bought two properties. In theory, a single income family may not have the ability to buy two properties, but Ms. Sun's family has actually achieved it, mainly due to the good financial habits she has developed over the past decade.
In the past decade or so, while Ms. Sun has been organizing her accounts, she has also become accustomed to preparing a household expenditure budget in advance. When she needs to pay insurance premiums, tuition fees, buy a house, decorate and other important household expenses, she plans them in advance. In Ms. Sun's opinion, as long as you have a plan in advance, you can effectively curb unnecessary family expenses and make it clear how much extra energy you have and how much time you have to do some investment and financial affairs.            
So far, Ms. Sun's family's savings have exceeded one million, with two properties and one car. The only debt is the monthly mortgage payment for her second school district property4500。 As a single income family, owning two properties and saving over a million in today's high consumption era, Ms. Sun's financial management skills are truly worth learning!
Firstly, open up sources and reduce expenses, and focus on accumulation
Ms. Sun pays great attention to recycling in her daily life and has a good habit of keeping accounts. Every penny in her home can be reasonably used for Ms. Sun's top priority, playing the maximum role. Ms. Sun has been adhering to a balanced income and expenditure for over a decade, dividing household expenses into routine and capital expenditures, and dividing monthly income into several equal parts, with expenditures generally not exceeding monthly income55%。
Secondly, investment and financial management "money generates money"
Ms. Sun has tried various investment and financial management methods over the past decade, among which the most profitable ones are the stock market, funds, andP2PMs. Sun's first attempt was stock trading, when she opened accounts for investment at Southwest Securities and Guangfa Securities and invested in them30Wan Wan, because he was cautious and rational, made a fortune during the period when the stock market was booming, and then decisively withdrew.
The fund only entered after exiting the stock market. Ms. Sun was recommended by a friend to invest on the fund platform. For safety reasons, Ms. Sun chose two low-risk funds, index type and bond type. Due to her choice of fixed investment, the returns have been very good over the years.
In recent years, with the rise of the online lending industry, Ms. Sun has turned her attention to the online lending industry again becauseP2PThe industry investment threshold is low, and the flexibility is high with stable returns, so Ms. Sun quickly shifted her investment goals and shifted her focus to investmentP2Pconduct financial transactions. She invested in the state-owned platform Damai Wealth Management（www.damailicai.com）Annualized income11%Left and right, there are often various welfare activities, and some time ago when I participated in platform activities, I even won an apple7mobile phone
Investment and financial management are processes that require long-term accumulation. The success of Ms. Sun's family today is not only due to her investment vision, but also to her perseverance and patience in long-term persistence.
Spicy Mom's Financial Skills Sharing:https://www.damailicai.com/party ... ;cid=cpc-outlink-lt