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id="khdij4wf0" class="time">時間：2024-08-23 11:12:39 </span> <span id="khdij4wf0" class="sm_after_time"></span> <span id="khdij4wf0" class="source"><a target="_blank" href="http://www.szmdbiao.com/z/" title="學人智庫">學人智庫</a></span> <span id="khdij4wf0" class="source"><a target="_blank" href="http://www.szmdbiao.com/usr/login.html" title="我要投稿">我要投稿</a></span> </div> <script type="text/javascript">s("content_top");</script> <div id="khdij4wf0" class="content"> <div id="khdij4wf0" class="excellent_articles_box"> <ul> <li id="khdij4wf0" class="excellent_articles_title">相關(guān)推薦</li> </ul> </div> <p>低收入人群正確理財?shù)姆椒?/p><p>　　導語：其實理財并不是有錢人的專屬權(quán)利，因為理財跟錢多錢少無關(guān)，只要掌握了正確的理財方法，就算是低收入人群，一樣能做到錢生錢。下面跟著unjs.com小編一起來看看低收入人群正確理財?shù)姆椒ò?</p> <p><strong>　　一記賬</strong></p> <p>　　記賬的主要目的一來能幫助你控制消費，合理支出;二來讓你能清楚了解自己的收入和支出情況，在保證生活質(zhì)量的同時盡量減少一些不必要的開支，此外對自己的風險偏好不是很了解，為未來投資做好準備，所以記賬是做好理財?shù)牡谝徊�，也是關(guān)鍵的一步，堅持很重要。</p> <p><strong>　　二儲蓄</strong></p> <p>　　很多人拿到工資之后，就會拿著自己的工資到處揮霍，這種做法是不對。即使你把錢放在工資卡里等需要的時候再取款，所得的利息也是特別微薄。所以你需要計劃每月拿出10%的收入進行強制儲蓄，積少成多�？蛇x擇銀行儲蓄、基金定投、或者其它一些穩(wěn)健型的理財產(chǎn)品，這樣有助于避免沖動消費。</p> <p><strong>　　三備用金</strong></p> <p>　　備用金一般為3-6個月的生活開支，以備個人不時之需�？紤]到這部分資金要緊急之用，那么流動性要較強。</p> <p><strong>　　四購買保險產(chǎn)品</strong></p> <p>　　保險是每個人必須重視的，能規(guī)避個人因重大疾病或者意外等而影響到生活。至于如何購買保險，多少保費比較合適，這個根據(jù)個人去衡量。但是建議大家一定要選擇經(jīng)營情況比較好、信譽度較高的保險公司，不要因為一些保險公司向客戶保證收益能達到高水平而輕易投保。</p><script>s("content_relate");</script><p>【低收入人群正確理財?shù)姆椒ā肯嚓P(guān)文章：</p><p><a target="_blank" href="http://www.szmdbiao.com/z/3908.html" title="低收入家庭保險理財方案">低收入家庭保險理財方案</a><span>12-31</span></p><p><a target="_blank" href="http://www.szmdbiao.com/z/1252450.html" title="正確使用醬油的方法">正確使用醬油的方法</a><span>04-25</span></p><p><a target="_blank" href="http://www.szmdbiao.com/z/769970.html" title="小升初正確投放簡歷的方法">小升初正確投放簡歷的方法</a><span>11-11</span></p><p><a target="_blank" href="http://www.szmdbiao.com/z/5498.html" 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