First, pay attention to financing knowledge. It is important for your grasp it, and use it in your financing plan. That includes the financing idea, banking products and marketing situation etc. You can learn about these knowledge from teaching material, banking personnel, financial news and public promotion activities.

Second, make a record on your expenditure each month. Most people don’t have the habbit of recording bills. It is important! If you have the record note, you can get a general idea of expense. The figure on it acts as a good caution on you to control the expenditure. And also it can well mention you how does the money cost. 

Third, plan your expenditure seriously. You may have all kinds of expenditure like living cost, medical spend, auto expense, and fixed pay fee  on insurance etc. Also, you want to make some savings. Try to divide your income into different portion for each function. Make sure for the fixed part and then arrange the left part flexibly.

Forth, make financial management in all kinds. You can save the money in banks for interest. There are also banking products available. Insurance is another choice for both security and earning. Stock can bring high profit in good market situation. But the risk is also high. Others like house, shops and gold are all investments you can choose for profit. They are much more stable in earning but need much high principle.

Be serious on this problem. Make a good plan on it. You will finally benefit from them.

One, single stage from the working day to before marriage. when you are a single young man, it’s important to settle the first step in financial management. Because the expenditure is often high, it’s better to prepare for it in advance. Spare some fund for flexible saving as timely expenditure. Then try some fixed norm fund for at least 5 years.  Short-term insurance can also be a good choice.

Two, family born stage from merriage to child born. In this stage, the financial emphasis should be placed on reasonable family contruction expenditure. After you are with certain accumulatiom, try some radical financial tools. So, the fixed norm fund can bring you stable earning. The stock can bring you some considerable profit in good market situation. The share insurance have both profit and security.

Three, family development stage from the child born to high school. This period, the family belongs to development stage. The children consumption is not so high, and the family burden is light. It fits for wealth accumulation. Parents should do financial management on the basis of family economic condition. So it’s quite necessary to buy insurance for the young labor in the family because they are the major income resource.

Four, children college education stage from the child college to further education. College tuition is high compared with other education period. It brings great burden for the family. What’s on your consideration is how to bring much earning. The banking products and bonus financial products are all good choice.

Five, family muture stage from children attending working to retirement. In this stage, children are seperated  from the parents. The family economic condition reaches the best station. But still you should consider about the risk. The stable investment such as RMB banking products and bonds are smart choice. They can well help you keep the wealth safe and make it value-add slowly.

Six, after retirement stage. In this stage, the main topic is how to well live your aged years. In investment and expenditure, it should be on core of safity and healthy. Be on the premise of medical insurance, commercial insurance is a strong support. Using the house as the insurance is a smart choice.

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First, choose good from the comordities on list. Contractors offer a lot of such comordity for customers’ choice.  It covers houseware, cosmetics, PC, mobile,  and other digital product.  They are well priced.

 Second, call the supplier for good on postal delivery. You need to apply for a credit card foremost. The capital amount for your good takes the card quato. The payment is paid in the form of certain amount each month. It is regarded as consumption of the card and enjoy the minimum payment quato.The period is on customers’ choice according to the total amount. 

Third, note the different function of  contractors and banks. The contractor refer to the comordity supplier bearing the cooperating relationship with the banks. While, banks only offer the service of payment, not the sales. The payment should be well fulfiled according to the total amount in the contract. In case the card is stoped or freezed, causing the payment delay, banks can well stop the installment. And ask the consumer to pay back all the fund at one time.

Forth, well abide by your obligation. The application submitted by customers are regared as an order to suppliers and credit quato to banks. The delivery will be made in fifteen days. The application will be cancelled over fifteen days. Customers can well apply for reimbursement from banks. Of course, the application can’t be cancelled at freedom. If you want to change the delivery address, well notify the contractor.

Fifth, who is to be responsible for quality. The delivery of the comordity is the business of contractors. If the customers deny the good, the money will be settled by banks back to the credit card. And any problem on the quality of the comordity, banks will not should the reponsability.

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Some banking products of short term is a good choice. In many banks, there are products especially designed in special short period and minimum amount of 50,000 yuan. They have considerable earning. You can buy those products at 30th in APril and reimburse them back at about 4th, or 5th on May.  It can be reimbursed back right after the holiday and don’t affect the capital usage at all.

Notice deposit is also considered. If you have certain fund of 50,000 yuan, it is permitted. It is short in term and twice the interest of the flexibility. With it you can well use your fund on hand to make earning and keep it cash-flow easily.

Try to use bank cards for consumption. When you go travelling, you are likely to consume a lot of comordities. Use cards can bring a lot of convenience and the samely earning. Try the ATM with China UNION PAY, it can be more cheap compared with the other country’ settlement organization. Also, you can be free from the interest fee. In some contries, you can enjoy the tax-return for consumption. Keep the consumption bill and have the tour guide help on you.

If you travel by self-driving, it’s necessary for you buy some  insurance. It can not only give you body insure but offer you help service all 24 hours. It’s in need for you to buy the insurance one day in advance. And it is required that the driving lisence should be valid.  The annuel check should also be well done.  The compensation may be cancelled if you don’t accomplish this.

Enjoy a good holiday and seat for your earing.

So, how to make your life more comfortable in such a tough situation? It needs your scientific arrangement. Here are some advices for your suggestion.

First, well manage your finance. If you are a white-collar, you are sure to have earning each month. Try to save certain amount money for deposit and banking product. It can well control your expenditure, and earn certain profit at the same time. Try fixed sum of fund each month is a good choice for us to take. The fund is featured on considerable earning and acceptable risk. It can well make your finance going sustainablly over the long run.

Second, well plan your expenditure. You may need to afford a large sum. money for your automobile. You may need to spare much on future study. Still you may need to prepare some for medical cases. In a word, there is a lot of expenditure waiting on you. So it’s a high demand on you to well plan your expenditure. Make a list that what are necessaries and what are just requirement. With the list, you can arrange the expenditure more reasonably.

Third, make your life of high quality. If you go to shopping malls, you can well use the credit card for consumption instead of cash for interest free and convenience. Also, you can apply for insurance on your deposit, family property or an automobile. They can make your life safe and at the same time they can both bring you convenience and earning. That’s necessary for you to live a qualified life.

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The salary raise is carried out in education and medical industry. In enterprises, especially thoes in easten coastal region, the salary is well raised for the labor-short. It is the case that entreprises need the working people for new orders. Still, the high living cost and pressure make the employees rather working at hometown for also comfortable life. The contraction raises.

How do you manage the salary raise and life expenditure? As we all know, the living expenditure, house pricing increased much these years. We need to offer more money for life comordities. Maybe your earnings slowly doesn’t meet the cost needs. Then, you neen a good plan on your salary.

Try the financing products like fund. Fund is a value-add product with acceptable  risk. It is operated by fund companies. The fund managers have much experience in those investment. With certain amout, you buy fund in portions at certain price and reimburse them back at higher price later if possible, you win the cut from them. Of course there’s risk of lose, but it only occurs in period of bad market situation.

Use your credit cards for good purchase by installments. Credit cards often offer the service of installment consumption. They don’t need interest and fee. As long  as you deposit the amout into them, the fund will be deducted automatically. You can well enjoy the product you buy in advance and leave the payment done later. So it can lighten your burden.

Well plan your salary, it will make your life better.

First, you can deposit them in banks for interest acting as the spending of their future education fee. In most banks, there is a certain banking product called education savings. This product caters to the future deucation needs of students  at primary 4 and above. The deucation savings plan can be customized to the individual financial needs with a flexible savings period. Customers can determine the total deposit amount of deucation savings and enjoy an attractive interest rate along with tax-free advantages. You need to offer banks non-obligation deucation certificate for account opening.  It’s not difficult but brings benefit.

Second, you can choose to buy banking insurance. This is a product carried out by insurance companies with the agency of banks. The deposit is with a mininum limit of 1000RMB and no maximum limit. And deposting period is three years with the cycle of one time each year.  The deposit is kept by insurance companies. Banks act as agency conducting the insurance procedure.  All the final benefit comes from insurance companies, including insurance principle,  divident and secured interest.  Of course, the benefit fluctuates with the managemnt output of insurance companies. 

Well plan your children’s money, sure it can well be applied to their future expenditure. It can spare parents much trouble and well educate their children how to save money.  It’s worthy.

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The most featured characteristics for the soho is conducting work at home. They don’t go to the labor market for jobs. There may be no fitable position waiting for them. As we know, the employment situation is quite rigorous at present because of the booming college graduate team. Another reason partly attributes to the fact graduates are more critical on working conditions and working forms. It’s more and more difficult to cater to their requirements.  So, they prefer working at home and making money soho.

What effects soho brings? First, it accelerates a hot trend in small family workshops conducting with work like e-business, document typing or translation. It is popular because of the convenient working style and flexible working schedule. Also it doesn’t need much investment or equipment. Maybe one capable PC, a printer and a working desk will do. For newly graduated students,  such small input is still acceptable. As for the output, they don’t expect much by imagination but do rack their brain on it. And they always gain with their smart head and solid professional knowledge.

Soho brings much changes in our society. It’s the end of both the hard social condition and the outstanding characteristics of the young generation. We can say soho well helps solving the problem in employment. Also it makes the working tyle diversify.  But soho can’t solve the problem of employment absolutely. It just offers a transitional step to go. We need to come back to employment policies, educational structure ect for solutions over the long run.

First, well plan your important expenditure everyday and make a record if possible. It helps you well know your life spendings. As the saying goes, a good grasp of yourself and the opposite makes no fight lose.

Second, try to apply for a credit card with your certificate offered by college. Banks don’t demand high requirements from students.  But, the overdraw amout is low unless you can afford an asset certificate. In most cases, it’s not realistic for students. A credit card can well satisfy your cash demand in emergency. But bear in mind, you should pay them back in payment period. Or your credit record will be influenced and interent will arise.

Third, you can apply for student loans from banks. This is not applicable for anyone. In most cases, banks need you to offer poverty certificate. But no loan mortgage or guarantee is required. The loan amount is not higher than 6000 yuan each year. As for the loan interest, it is according to the banchmark rate set by People’s Bank of China without up-floating. It is subsidized by central revenue druing college time. But it’s your own business after you graduate. You can choose to pay back the loan in one sum or by installment in college time if possible. You can also leave this to the working time and deduct the fund from your earnings each month.  If you behave excellent, the loan can even be reduced. Anyway, student loan will help you better go through your college time.

Solutions always overamount problems. Well plan your college living,  and have a nice college time.

Every banks have online banking on service.  They are quite safe with several passwords and e-token or USBKey.  You can apply for one with about only decades yuan and use them for all life.  When you enter the online banking,  there are varities of service for use. Account inquire, account transfer, account invest, e-business, and welcome information etc. Each item has several sub-terms available.  They are quite convenient for you to operate on guide indicated.

What kind of investments can be satisfied online? Fund and stock are quite popular and they need your frequent care on buying or selling with the market situation change. All these can be well conducted by online  self-service. And it saves you time in loss-risk.  Foreign currency is daily becoming people’s financing choice. You may worry about the foreign rate fluctuation. Online banking offer you to exchange them into objective currency in both type of currency and remmitence.  When coming into holidays, the banking online is the only solution.

Maybe there are many other online service for investment arrangement. And it’s not your experience by sharing the knowledge by others. Have a try and learn to do it by yourself.  Maybe you will gain.