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Post-80S Families

2012/3/14 18:04:00 11

Just married couple, the newly formed family life not only has to face the running in of two people and two ways of life, but also faces the collision of two kinds of financial management concepts, and two people can only lay a solid economic foundation for creating happy families by strategizing family finances.

Therefore, it is a compulsory course for new people to spend money on a flower and let family wealth accumulate quickly.

Case study:

Post 80s newly married couple, husband Zheng, aged 28, Fuzhou

software company

Department managers earn about 8000 yuan a month, and the year-end bonus is 20 thousand yuan at the end of the year.

Wife: Ms. Zou, 25 years old, a teacher of a primary school in Fuzhou, with a monthly salary of around 3000 yuan. Both units have three risks and one gold, so they do not have other commercial insurance.

The family also has a fixed deposit of 30 thousand yuan and a current account of 30 thousand yuan.

Currently living in a house with two rooms and one hall, about 85 square meters, the market price is about 600 thousand, there is a mortgage, the loan balance is 250 thousand yuan, the monthly repayment is deducted from the provident fund, it needs about 1000 yuan, and the monthly expenditure is 7000 yuan (including mortgage).

Like many young people born in the 1980s, Xiao Zheng and his wife like to travel. They arrange trips one or two times a year, and the cost of two people is as high as 10 thousand yuan.

Financial goals:

1. In two years, we plan to have a child, and buy a family car (worth around 100 thousand yuan).

2, after the birth of the child, they are prepared to take care of their children in their parents' homes, and increase their family members. Now the housing is a little tense, and they intend to change to a house with three rooms and two rooms.

It is more puzzled when choosing the right time to change rooms.

Family financial analysis:

Xiao Zheng and his wife are just two families.

Family formation period

This stage is characterized by the fact that the economy is becoming independent, with less savings, high consumption desire, and increasing responsibilities. In the coming years, it will be faced with problems such as child care, car purchase and so on, and the expenditure will gradually increase.

It can be seen from the family balance sheet that we should pay attention to increasing revenue and reducing expenditure and making financial planning for all aspects of life in the future.

When the small family was founded, it was the best time for new housewives to learn family financial management, because the family members were simple and the expenses were not complicated at that time.

Bookkeeping is a required course for rookie classes.

Bookkeeping is the most intuitive and clear way to show your family's income and expenditure this month.

In contrast to the account book, you can easily analyze which money should be spent and which should not be spent.

Through bookkeeping, you can better restrain yourself and avoid becoming a "moonlight clan".

Saving is an entry-level weapon.

Although the interest on savings is low, safe and low risk savings remain the first choice for rookies before learning other better ways of managing money.

In addition, every small family should have a reserve fund in the bank to protect the family from the emergency.

Investment is the trump card of a skeleton housewife.

In the bank, there are necessary start-up funds. After confirming that they have mastered the necessary investment knowledge, qualified housewives are mostly investing.

Fund,

bond

, stock, collection, real estate...

As long as you are fit for yourself, you can use your spare money to participate in it carefully.

Although the risk of investment is high, only a successful investment can help families resist the risk of inflation.

After the above "three jump", Congratulations, the small family will take care of your food and drink without worry.