Monthly income 10,000 how to manage money? Couple months
In modern society, it is very common for couples to earn a monthly income of 10,000 yuan. Especially in first- and second-tier cities, there are many families with this income level, and those with a slightly higher income in third- and fourth-tier cities can also achieve it. Therefore, for families with a monthly income of about 10,000 yuan, how to manage their finances is a problem that many people pay attention to. Below, the editor will take the example of a second-tier city to talk to you about how families with a monthly income of 10,000 yuan should manage their finances.
Case: In a second-tier city in China, a family of three, the combined monthly income of husband and wife is about 12,000 yuan. The elderly on both sides have pensions and do not need support for the time being. Give some gifts during the Chinese New Year and holidays, and do your best. No car, a house has a set, the mortgage is not high, the monthly mortgage expenditure is about 2,000 yuan, and the whole family has medical insurance. At present, the family has about 80,000 deposits. Recently, because of Jiangxi, it has put in Yu'ebao, no foreign debt, and no other financial assets or fixed. The monthly living expenses are about 5,000 yuan, and the rest of the money will be saved. I am confused about future financial management. Considering the future pension expenses and children's education expenses, I hope to have a clear financial plan.
Financial advice:
First, cut spending and plan consumption rationally. In second-tier cities, without a car, the mortgage is a fixed expense that does not require special consideration. If a family of three spends 5,000 per month, it is not a lot, but there is definitely room for compression. The family's food, clothing, housing, housing, housing, and transportation, as well as the couple's interpersonal work expenses, plus the nutrition and education expenses of children, etc., 4,000 a month can basically be covered. Don't look at saving only 1,000 yuan per month, it is 12,000 yuan a year. For this kind of family with a relatively simple income and little pressure on living expenses, planning consumption and cutting expenses are the only way to save money.
Second, moderately increase the allocation of financial assets and improve financial returns. There is a deposit of 80,000 yuan at home, even if it is put into Yu'e Bao, under the premise of Yu'e Bao's income breaking 3, there is not much income in a year. You can divide the 80,000 yuan into two, one 50,000, for financial asset allocation, such as buying stocks with good dividends. Some stocks have an annual dividend rate that exceeds the bank's regular period. Under the premise of the current low stock market, the allocation of 50,000 stocks is not very risky, and it can be used as a long-term investment. Another 30,000 of funds also do not idle, fashion, do P2P investment, go to Lujin, building block box, Maverick online and other platforms, to see if there are higher returns, and better security projects, invest in, let the funds move.
Third, the daily balance, in addition to leaving an emergency fund, the rest can be used as a fund fixed investment. Considering the monthly income, in this case, in addition to keeping part of the monthly funds as emergency funds, the size is appropriate at 10,000 to 20,000, and do not deposit in the bank, it is good to put Yu'ebao. The rest of the balance of the money, continue to do fund fixed investment, so that the financial management effect of the funds will be better.
