After 80, We Strive To Be "&Nbsp", And The Financial Planner Gives Four Suggestions.

Miss Li is 24 years old and has only worked for two years. She works in a public institution. Her monthly income is around 3000 yuan.

[financial analysis] the income of Miss Li after 80 is not high, but it will cost a lot in the future. Getting married and buying a house is the heavy cost. Although parents can give support, this support is limited and more depends on themselves.

It can be seen from the deposit that Miss Li is still a comparatively economical person. It is not easy to deposit 50 thousand of the money in two years of work.

[financial advice] China is now in a cycle of interest rate reduction, and now it is true that the pressure on the monthly supply is much smaller than the previous two years, but the housing bubble in the previous years has made the house price still high, so it is more appropriate to buy a house next year.

Miss Li intends to buy small family housing is a very good choice. From a financial point of view, housing can not be greedy. After all, as young people, accumulating wealth is more important than having a bigger house.

Whether the price can be leased depends on the geographical location, but equally, the good area will be higher.

Moreover, the houses to be purchased are for future residence, so it is not appropriate to consider the relationship between short-term rent and interest only.

The first payment of the purchase and whether the monthly payment is a burden on the family is the primary factor for the family to consider the purchase.

As a post-80s, career planning is very important. To make long-term plans, what foreign language to learn, what to do in the future and whether to earn a living in this foreign language.

If you can't have a good idea and quit your job in the financial crisis, it will be more than enough.

Some suggestions for the post-80s generation

1.

Curb unnecessary consumption, especially credit card consumption.

2.

Institute fund to vote.

The fund's investment is the best way for young people to manage their wealth. They can not only accumulate wealth but also enforce savings.

3.

Purchase accidental medical insurance as a supplement.

It's not realistic to buy enough insurance, but cheap accident insurance or card insurance policy can give you a basic guarantee.

4.

Invest in yourself and improve your ability.

Just like Miss Li, if you have the chance, you must improve your skills when you are young.