Financial quotient Q) refers to a person's financial quotient, that is, the wisdom of financial management. Although many people are highly educated, they lack some basic financial knowledge. So many times, we are not short of money, what we lack is an idea.
Financial quotient is the most realistic ability that a person needs, and it is also the most neglected ability. It is conceivable that a person who ignores financial business must have a poor sense of reality. Financial quotient includes two abilities: one is the ability to correctly understand money and its laws; The second is the ability to correctly use money and monetary laws. Financial quotient is not only the only intelligence that people can develop healthily, but also a kind of artificial concept and intelligence, which is of course a very important one. Financial quotient is often urgently needed and neglected. Financial quotient is not isolated, but closely related to people's other wisdom and ability.
The first trick: organize family financial information and establish files.
Sorting out data and establishing files is the simplest and most effective basic work to improve financial quotient, and it is also the first step of financial management, so that your family finances will be clear and clear, and you will not be like "ants running around on hot bricks" when you encounter problems.
The "family financial file" is best divided into five parts. First, it is what we often call a ledger, which records all the income and expenses every day in order to find the blind spots and misunderstandings of household consumption.
The second is the filing of invoices for valuables, including invoices, certificates, warranty cards, manuals, etc. of various electrical appliances and valuables purchased at home; In the event of a quality accident, shopping invoices are an important guarantee for safeguarding rights and can recover economic losses to a great extent.
Third, the financial assets file records the original data such as passbook, stock, bond and insurance. If the certificate of deposit is lost or stolen, you can inquire and report the loss in time.
The fourth is the archives of valuables, including gold and silver jewelry, jewelry and jade, celebrity calligraphy and painting and valuables with special commemorative significance.
Fifth, documents and files, such as family members' household registration books, identity cards, graduation certificates, employment qualification certificates, real estate licenses, etc. , can be properly kept, eliminating a lot of unnecessary trouble.
The second measure: keep accounts and check whether the finances are healthy.
Family financial books generally consist of three parts: assets (including financial assets and physical assets), liabilities and net assets. Before compiling, we should do some preparatory work, such as checking accounts, evaluating property, and taking out deposit certificates. One by one, to avoid omission and loss, to ensure the accuracy of the data.
Financial accounting books can adopt the "three columns" type of income, expenditure and balance. In terms of methods, the amount of income and expenditure can be recorded item by item in the form of daily report, settled at the end of the month and summarized every year. At the same time, according to family economic income (such as wage income, operating income, loans, etc.). ), expenses (such as seven things to open the door, buying clothes, etc. ), establish a detailed ledger, and record it according to the amount, summarize it at the end of the month and summarize it every year.
Don't worry about bookkeeping, it can accurately check whether your family income and expenditure are healthy and whether there are misunderstandings in consumption, which can directly improve the financial quotient of the bookkeeper. Long-term bookkeeping can make family members know their economic income, expenditure and balance, so it can encourage people to actively organize family income. At the same time, family members can arrange their expenses in a planned and reasonable way and save money on the principle of collecting first and using later and living within their means.
The third measure: study and make yourself an expert in financial management.
Some aspects of financial business do not need to be studied, such as establishing financial files and keeping accounts, but some things can only be improved through learning, such as financial knowledge and the latest financial management skills. Of course, you don't have to go to college to learn financial knowledge. You can also supplement this knowledge by watching TV at home, reading books, newspapers and magazines or surfing professional websites online. You can also ask friends who have financial knowledge or participate in some financial activities. Pay more attention to news about banks, insurance and funds. In your daily life, your financial nerves will gradually tighten, and your understanding of financial management will gradually improve.
The fourth measure: plan financial management and improve financial quotient in practice.
When you know your family's financial situation at a glance and have a certain understanding of the financial market, you should make a set of financial planning suitable for your family, and arrange your assets reasonably according to short-term financial goals (such as buying a house within one year and preparing enough funds for buying a house), medium-term financial goals (such as preparing funds for children's education after three years) and long-term financial goals (such as retiring in 20 years and preparing pension funds). If you really can't make such a perfect financial planning, you can ask a professional financial planner to help you complete it.
With a perfect financial planning, you have to actively participate in the practice of investment and financial management, and improving financial quotient in practice is better than any "simulation" learning. Of course, in the initial stage of investment and financial management, it is best to use family idle funds to invest in some financial products with low risks, or invest in financial products with high risks that you can bear under the guidance of experts.
Of course, the investment and financial planning needs to be revised every year according to the changes of family financial situation. Every revision is a test of your financial quotient and a catalyst to promote your financial quotient to a new level. Be sure to revise your financial planning regularly, and don't let the planning fall behind, let alone let the financial quotient decline.