家立方,正现金流

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一个家庭的现金流是指在一定时间内,如一个月内,家庭的收入和支出的情况。如果收入大于支出,是正现金流; 如果收入少于支出,是负的现金流。一个家庭的现金流规划就是量入为出,尽量保持正现金流。

现金流.jpg

现金流规划就像一个家庭完整结实的屋顶,是不可缺少的。

现金流规划的具体内容是什么呢?

首先是,做好家庭财务预算,

根据家庭的短期长期财务目标,把短期长期的收入和支出纳入规划中,在正现金流的情况下去实现这些目标。

这些财务目标包括退休计划,和风险保障计划,等等。在现金流规划中,应该把为未来的储蓄考虑进去。

其次是,为意外情况做准备,

就是为正现金流准备现金储备金,它相当于3-6个月的收入。 当在某个时期内,家庭收入突然减少(如丢掉了工作,等等)或支出突然增加时(如房子漏雨,需要紧急修复,等等),现金储备金可以在这个时候发挥作用。

最后是,整理家庭的债务结构或者偿还债务的方式,以减少债务支出,达到增加现金流的目的。

整理家庭的债务结构是指把车贷款或信用卡贷款,等等,纳入到房贷中,由于房贷利率相对较低和还款的时间延长,每个月的总还款额减少很多,这样做会改善家庭的现金流;

另外,以房贷按揭为例,可以在Terms Fixed or Variable rates, 等等条件中选择适合的按揭方式,减少每月的还款,以减少对现金流的压力。

以上两个例子的目的都可以是通过减少每月的支出,从而增加正现金流。我们可以把正现金流的一部分用于增加家庭资产。

因为每个家庭的具体情况不同,现金流规划在每个家庭会有相应的具体内容。

一个健康家庭需要有充足的现金流,关于现金流的规划的细节可以进一步讨论,如果你感兴趣这个话题,请扫二维码和我讨论。

本周末的讲座会讨论现金流规划,请扫二维码报名参加。

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(本文是原创,只作为信息参考,并不构成任何具体投资理财建议。欢迎各种与财务规划相关的问题,请扫二维码提问。)

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