The questions analyzed in this paper are about the characteristics of financial sources in education and medical care expenditures concerned with living and life of the farmers in rural China. The approach of non-parametric test is used to test the difference in the financial decision of households. The result indicates excessive expense will lead household into financial straits and their livelihood will be worse off under financial constrait. The conclusions implied that the extension of rural financial service to education and health insurance could increase freely disposable income with precautionary savings reduced by household, in addition to better-educated and healthier people in rural China.