Expert Weapon: How To Manage A Newly Married Family With An Annual Salary Of 110 Thousand?
I am 28 years old and I have just promoted to a family.
enterprise
Head of the Department, my wife is 27 years old and works in the marketing department of an enterprise. We married in September and bought a house, with a total price of 580 thousand yuan and a 150 thousand yuan mortgage loan burden.
My father and mother retired at home.
At present, my annual income is 60 thousand yuan, my wife's annual income is 50 thousand yuan, and her family's annual income is 110 thousand yuan.
deposit
And cash in total of 30 thousand yuan; fixed deposit (1 years) 56 thousand yuan; a car, now worth 180 thousand yuan; Monetary Fund 15 thousand yuan; equity fund 20 thousand yuan.
We spend 3500 yuan a month on basic living expenses, 1000 yuan for the elderly, 2000 yuan per month for housing, 1000 yuan for other trivial expenses, and 7500 yuan for family expenses per month.
How to manage finances? Mr. Liang, Chancheng citizen
[financial advisor reply]
First,
Conduct financial pactions
Analysis:
Mrs ZHOU is planning to have a child before she is 30 years old. The financial goal now facing is to accumulate the cost of raising children and children's education fund, and prepare contingency funds for the disease that the elderly may have in the future.
Liang family's financial situation is relatively healthy, and its liabilities are relatively small. However, cash flow and time deposits are excessive in family assets, and portfolio needs to be optimized.
Two, financial advice
1. revitalize the current assets and improve the efficiency of capital use.
Mr. Liang's family is in the period of growth and asset accumulation, so the current stage is to improve the profitability of assets.
First, security is the premise. Mr. Liang can continue to retain some time deposits, but it is recommended to change the fixed deposit period to half a year.
Second, the interest rate of demand deposits is low. It is suggested to replace some demand deposits with fixed investment funds, and invest 800 yuan each month to buy monetary funds or bond funds. If the situation is stable, the investment fund can be used as a continuation of the Education Fund for future children.
Third, after reducing the proportion of time deposits, the investment of equity funds can be appropriately introduced. Young couples can choose financial products with a slightly stronger risk tolerance. It is suggested that the proportion of stock funds should be 45%, and the investment opportunities of the gold market can also be paid attention to.
2. actuarial daily expenditure
Mr. Liang's family monthly expenditure is around 3500 yuan, and almost 38% of the income is spent on the daily life of two people. Homework is needed to control household expenditure.
It is suggested that a new account book be set up for newlywed families such as Mr. Liang. At the end of the month, they should be categorized according to the items of clothing, food, housing and banking, so as to find out the expenses that should not be consumed.
3. purchase of health insurance fund
To strengthen the insurance protection plan, it is suggested that two couples buy regular life insurance, accident insurance and supplementary commercial pension insurance, while the wife buys a maternity insurance. After birth, the child buys educational insurance for her children.
From the beginning of birth, the annual premium expenses of the family should be controlled at 10% of the annual income, or about 11000 yuan. In the future, the share will be increased gradually according to the family income. Because the elderly are older, they can set the 500 yuan short debt fund monthly to prepare the health fund yield.
- Related reading
How Hard Is "Money Generating Money"? &Nbsp Teaches You How To Save One Hundred Thousand In Three Years.
|- News Republic | Net Profit Decreased By More Than 30% In The First Half Of The Year And The Flying Bird Could Still Fly High.
- Fashion brand | In Korean Drama Middle School Workplace Wear, Take Korean Drama Wear 5 Skills.
- Fashion blog | The Hottest Pants In The Early Autumn, The Short Legs And Legs, The Girl's Savior, Even The Temperament Has Become Advanced.
- Fashion character | At The Age Of 16, Guo Xiang Was Dressed In A Pink Navel To Assemble Jeans.
- Fashion character | At The Age Of 22, Xu Jiao Became More And More Dressed. The Hanfu Dress Was Charming And Cute, The Longer It Looked Better.
- Fashion character | Zheng Shuangshu Exploded His Head With A Tight Waist, And The Stage Was Hot And Mature.
- Fashion character | Wu Xun Said That The Style Of Private Clothes Is Much Less Than That Of Movable Dresses, And The Legs Are Well-Balanced.
- Fashion character | Ouyang Nana's Canvas Shoes Are So Fashionable, Not Like Little Girls.
- Fashion character | She Is "Little Joy" Qiao Yingzi, Cut Long Hair For Water Lake Blue Gauze Skirt, Beautiful Campus Goddess.
- Fashion blog | Hua Chenyu Wore A Metal Sequin Suit, Elegant And Curly.
- Ensure Sericultural Development In A Sustainable And Healthy Way
- How To Manage The Well-Off Families In State-Owned Enterprises
- Zhejiang Shengzhou Tie Enterprise Hugs "Sericulture" In The Mainland
- Guangxi Silkworm Cocoon: Output Breaks 200 Thousand Tons &Nbsp; Price Increases Interfere With Increase Or Decrease In Output Judgment
- Brand Clothing "GXG" 2011 Order Will Be Held In Ningbo.
- Cotton Prices Rebounded &Nbsp; Cotton Enterprises Began To Sell.
- Comments On November Quotes: Under Complicated Circumstances, Silk Is Unique.
- Japanese Emperor Will Launch Eco Plant Fiber In 2012.
- &Nbsp, A Silkworm Totem Unearthed In Jintan, Changzhou, Jiangsu.
- Roma King Brand Men'S Hot Business!