"This generation of netizens is so capable!" Zhao Qianqian sighed as she downloaded the form and filled it out.

Looking carefully at the table, I only see “assets” on the left and “liabilities” on the right.

Assets are divided into cash assets, financial assets, and physical assets.

Cash assets are further divided into "cash", "demand deposits", "time deposits", "bank wealth management", "money funds" and "loans receivable".

Financial assets are divided into "stocks", "funds", "bonds", "futures", "insurance", "provident funds" and "P2P".

Physical assets are divided into "self-occupied properties", "investment properties", "cars", "gold", "jewelry", "collectibles" and "others".

As she watched, Zhao Qianqian silently shed tears of poverty in her heart.

Yun Luo instructed the host to fill out the form, "Fill in the cash, insurance, and housing fund, that's it."

Zhao Qianqian picked up the pen, then put it down again, "I don't know how much money is in the medical insurance card and provident fund."

Yun Luo: "You can check the data by opening the Human Resources and Social Security Bureau and the Housing Provident Fund Online Service Hall."

Zhao Qianqian opened it as instructed and found that when she entered the ID card as the username, it showed that the user existed, but the password was wrong.

She looked at the omnipotent system with a helpless expression.

Yun Luo: "Click 'Forgot password' and reset it."

Zhao Qianqian acted as she was told.

After struggling for more than ten minutes, I finally logged in successfully.

When checking her medical insurance card, Zhao Qianqian was surprised to find that there was nearly three thousand yuan in it.

Yun Luo told the host, "The medical insurance card can be used to pay for outpatient visits, and can also be used to buy medicine and medical equipment at designated pharmacies."

"I can also pay by credit card when I purchase commercial insurance or accidental injury insurance."

"In some areas, policies are more relaxed and you can even use your credit card to pay at the gym."

Zhao Qianqian was amazed.

I filled in the numbers in the balance sheet neatly, then checked the provident fund and found the balance was 16,000.

What does it mean to be unaware of the treasures you have? This is it.

Recalling her miserable appearance two days ago, Zhao Qianqian couldn't help but cover her face - the past was too unbearable to recall, it was too unbearable!

Yun Luo explained, "Most people think that housing provident funds can only be used to borrow money to buy a house. In fact, the current policy is very humane."

"Housing provident funds can be used to buy, build, renovate, overhaul or rent a house."

"If you are an employee who pays the housing provident fund and is included in the minimum living allowance or special hardship range, you can also withdraw the provident fund for use. If you need funds to treat a serious illness, you can also withdraw the housing provident fund."

As she spoke, she glanced at the host and said, "Your mother is in the category of treating a serious illness."

At this point, Zhao Qianqian deeply understood the necessity of learning financial management. If you don't understand or know how to manage your money, you won't know how to use it, and you won't be able to enjoy the benefits that you can enjoy.

After recording "cash", "insurance" and "housing fund", she looked at her physical assets and asked hesitantly, "I have a lot of unused backpacks, dresses, and skin care products. Can I record them in the 'other' of physical assets?"

Yun Luo looked at the host and said nothing.

"The assets are too few, and it looks so pitiful..." The more Zhao Qianqian spoke, the lower her voice became.

Yun Luo: "I've never heard that these things can be considered physical assets."

Zhao Qianqian's old face turned red, and she bit her lip and dared not speak.

"However," Yun Luo changed the subject, "if it is sold in the second-hand market, it can be converted into cash assets."

Zhao Qianqian was delighted, "Can I sell them? ! ! Many of them are new, I've hardly used them!"

Yun Luo reminded, "Skin care products have a shelf life. Are you sure it's still within the shelf life?"

Zhao Qianqian moved her lips, but couldn't even utter a word of assurance. In fact, she couldn't remember when she bought the things.

Yun Luo: "You have no debt, so you don't need to fill in the debt column. Calculate your current assets, fill out the form, mark the time and save it."

"Then..." She glanced at the host with a complicated expression, "Clean up the closet and take out all the unnecessary items."

"Okay!" Zhao Qianqian agreed immediately.

Cash, insurance, housing provident fund, all assets add up to 19,000.

Zhao Qianqian's eyes filled with tears. "Thank you to the company for paying social insurance and helping employees save money!"

Yun Luo turned her face away, unable to bear to watch.

Mark the time, save the form, then Zhao Qianqian stood up and rummaged through the boxes looking for unused items.

You don’t know until you sort it out, and you’ll be shocked when you do.

Zhao Qianqian suddenly realized that she had bought too many things that were never used or only used once or twice!

Every time Shen Nian said, "This face cream has very good reviews," "This skirt is super pretty," or "This bag is a popular style this year," she would join the group buying like a madman.

I don't really use it after I bought it, and it's been idle most of the time.

Some skin care products are casually placed on the shelf and forgotten about, ending up exceeding their expiration date.

Looking at the pile of odds and ends that were turned out, Zhao Qianqian's heart ached. This was all money!

Yun Luo spoke up at the right time, "Take this as a warning and don't make the same mistake a second time."

Zhao Qianqian smiled bitterly, "One lesson is enough."

Sort the items into categories, throw away those that are expired and unusable, keep those that are frequently used, and put the rest on the second-hand market and sell them at 80% or 90% of the original price.

By the time I finished everything, it was already 22:45.

It was almost time to go to bed. Zhao Qianqian did not rush to bed. Instead, she took out a small notebook, her eyes full of expectation, "I have read several articles and have some questions to ask you."

Yun Luo knew in her heart that the host really wanted to make progress.

While having lunch today, she was browsing the web on her mobile phone, seizing every minute to read.

Since the host is eager to learn, she is willing to answer, "Ask."

Zhao Qianqian's eyes lit up, she opened the notebook and found the records she had made earlier, "First question, why do some financial management rules say that 40% of a family's income should be used for mortgages and other investments? Some rules suggest that mortgage expenses should not exceed one-third?"

Yun Luo: "First of all, you have to understand one thing: the less debt you have, the more relaxed you will be."

Zhao Qianqian thought about it and nodded, "That's right."

Yun Luo saw that the host understood, and continued, "Secondly, everyone's income is different. The law gives the proportion of the general public, which does not apply to individuals."

Zhao Qianqian's eyes showed a look of enlightenment, "For example, my monthly salary is four or five thousand, and 30% is 1200-1500. My mother's retirement salary is two or three thousand, and 40% is 800-1200. The expenditure ratio is high, but the actual expenditure amount is lower."

Yun Luo nodded: "So the general financial plan can be used as a reference. When it comes to individuals, they need to make adjustments based on their own circumstances."

"No wonder!" Zhao Qianqian suddenly realized, "It's the same three-part method of financial management. Some people divide their salary into three parts: one for rent, one for living expenses, and one for savings. Some people use one for living expenses, one for savings, and one as a dream fund to realize their dreams at the end of the year."

Yun Luo: "Living at home without paying rent saves me money compared to others."

"I understand what you said." Zhao Qianqian ticked question one and looked at question two. "There is a money saving technique called '12-order fixed deposit savings'."

"The procedure is to withdraw 20% or 30% of your salary every month and make a fixed deposit. Do this for 12 months, and a fixed deposit will mature every month in the following year."

"What I want to ask is, isn't it more convenient to keep it in a money fund? Why do we need to make a special time deposit?"

Yun Luo: "Because money market funds have only become popular in recent years, people didn't know about this product before."

Zhao Qianqian, "..."

The answer was so simple? It was beyond her expectation.

Yun Luo: "Money funds have both the high liquidity of demand deposits and the high returns of time deposits."

“Usually, it’s safe, flexible and provides stable returns.”

“Although the fund agreement does not guarantee the safety of the principal, in fact, due to the nature of the fund, money market funds rarely suffer principal losses and are generally treated as cash equivalents.”

Zhao Qianqian confirmed with the system, "In other words, it is completely fine to use money funds instead of cash?"

Yun Luo: "Yes."

"Then let's keep up with the times and put aside the 12 orders and save them." Zhao Qianqian muttered as she tried to cross out the notes with a pen.

"The 12-order fixed deposit storage is not without advantages." Yun Luo said suddenly.

Zhao Qianqian, "For example?"

Yun Luo: "Some people can't control their money and are keen on spending. Even if they put their money in a money fund, they still can't help but spend it. But if they save it for a fixed period, few people will take the money out."

"Because the fixed deposit is withdrawn early, the interest is calculated based on the current account."

"In order to avoid losing interest, holders have to be patient and suppress their desire to buy."

"So that's it." Zhao Qianqian immediately understood.

Yun Luo asked, "Any other questions?"

Zhao Qianqian held the small notebook in her hand and said, "Not for now."

Yun Luo: "Turn off the lights and go to sleep. Get up early tomorrow and continue to maintain a good schedule."

"Yes, sir!" Zhao Qianqian was very obedient. She got into bed and soon fell asleep.

**

After I made up my mind to learn about financial management, my life has visibly improved.

After the operation, my mother did not rush to be discharged from the hospital to save money, but rested peacefully.

After get off work every day, Zhao Qianqian goes to the hospital to visit first, and then goes home to read books and learn about financial management.

Because I don’t go out or go shopping, my expenses are significantly reduced. Apart from food and transportation expenses, there are no other expenses.

What surprised her most was that after selling her skin care products, dresses, and handbags one after another, she actually had an extra 10,000 yuan in deposits in her bank card!

While sighing, "How much money has been wasted in the past..."

I was thankful that I sold it in time and was able to recoup some of my losses.

After the payment was received, Zhao Qianqian deposited the cash on hand into the money fund. Every morning when she woke up, the first thing she did was to check the account balance.

Looking at the extra few cents of profit, I was so excited that I got up much faster in the morning than before!

in addition--

At lunch time, Zhao Qianqian held a piece of bread in her left hand and her mobile phone in her right hand, eating and watching at the same time.

My colleagues were very surprised when they saw me, "Didn't you order takeout?"

Zhao Qianqian said seriously, "Takeout is too expensive, so eating bread is more cost-effective. I bought it on the way home from get off work last night. Buy one get one free, it's a great deal!"

The colleague looked at Zhao Qianqian several times, as if he didn't know her. "Don't you always have money to spend? You actually said that takeout is too expensive and bread is cheap, so you eat bread instead?"

Zhao Qianqian sighed and answered with a new financial saying she had just learned, "I was still young at that time, and I didn't know that all the gifts given by fate had already been secretly marked with a price."

My colleagues were inexplicably relieved.

In the past, Zhao Qianqian spent money like water, secretly proud of her moonlight. She was too lazy to persuade her if she didn't agree with him. Now that she saw that the girl really wanted to change, she gave her some advice, "You can only live a relaxed life for the first two years after graduation. In the future, you will have to fall in love, get married, raise children, and support your parents. There are too many places to spend money! If you don't save money, where will the money come from? We are all ordinary people. We don't have a mine at home, so we can only rely on ourselves."

"Isn't it?" Zhao Qianqian felt sympathetic and only regretted that she had awakened too late.

The author has something to say:

Featured Reviews

#This article is also known as "Everyone come to find money" and "I learn financial management in Jinjiang"#

#This collection of words contains the spirit of the sun and moon, the essence of heaven and earth. All readers work together. What's wrong with it being a little longer than the main text? (Justified)#

#Only 1 cent a day can be spent on learning financial management knowledge in Jinjiang, and there are also super long and practical value-added services, which is cost-effective#

#This article is so touching. The heroine is working tirelessly for a well-off society in all respects by 2020#

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Reader's Science A:

If you go to a hospital in another province to get medical treatment, you can also get reimbursement directly from the hospital. For serious illnesses [such as leukemia], you have no commercial insurance but only residential insurance. After reporting to a hospital in another province, you can take the payment slip back to the local medical insurance bureau and get a certain percentage of the reimbursement.

[The author has not provided treatment across provinces, so he is not clear about this aspect. If you need it, you can refer to it.]

**

Readers' Science B:

Medical insurance generally has a deductible (that is, if the expenses are within this range, no compensation will be paid. For example, if the deductible is 10,000, and you spend 9,000, no compensation will be paid. The amount over 10,000 will be compensated). However, if you pay this year and do not have any illness and do not need to pay, the money will not be returned to you. It is cheaper to buy when you are young, and the older you are, the higher the price will be.

Commercial insurance is a supplement to medical insurance, so you must buy medical insurance and appropriately configure commercial insurance within your own affordability.

[Author: This is the so-called consumer insurance. If you pay for it but you are not sick, you do not need to pay, and the money will not be returned. ]

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Reader Science C:

Medical insurance reimbursement depends on where you participate in the insurance, and then the reimbursement ratio is ultimately determined by a combination of different factors, including whether it is within the jurisdiction, within or outside the city, within or outside the province, and whether there is a referral.

For example, if you go to a first-level health center in a community or township, the reimbursement rate is the highest. If you go to a city or province without a referral, the reimbursement rate is the lowest.

At the same time, employee medical insurance and urban and rural medical insurance are different. But don't worry, poor families who pay urban and rural medical insurance can also use major disease insurance and medical assistance for the remaining part after medical insurance reimbursement.

**

Reader Science D:

China's Insurance Law stipulates that if you purchase life insurance continuously, you can claim compensation if you commit suicide two years later. (Only for long-term life insurance)

Legal experts said that on the one hand, the suicide two years later showed that life was really difficult, so compensation was given.

On the other hand, after two years, the difficulties are basically not so urgent and most people will not want to die.

[Author: I was shocked, but after checking the law, I found out it was true.]

**

This article was so difficult to write... There are so many policies and information that need to be looked up, and I also have to write it in a way that most people can understand.

Some readers have experienced it personally and understand it more clearly than most people. I will also move the comments to the article.

[Some expressions are different, but the meaning is the same. I will just quote it again as a review]

[Financial management related content comes from online information]