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How Can A Single Young Man Manage &Nbsp? 2000 Yuan Per Month, Often Moonlight.

2011/1/26 14:49:00 40

Mr. Wang is 22 years old. He has no plans for marriage. He lives in three line cities. Private employees earn 2000 yuan a month.

Now there is a deposit of 7000 yuan, a unit to the social security.

Parents have fixed income and families are not in debt.

Since housing, it is currently single.

Mr. Wang is very confused at the moment and doesn't know how to manage his finances better.

According to personal information provided by Mr. Wang, we make the following suggestions:

First, fixed accumulation.

Mr. Wang's situation is a general situation in financial management.

capital

It is more concentrated on the fixed assets project.

Mr. Wang is now.

wages

2000 yuan, often appear moonlight situation, explain Mr. Wang savings and save consciousness is not enough, throttling for Mr. Wang, it is particularly important.

Bookkeeping and budgeting are important means of personal financial management, and are also prerequisites for controlling consumption.

At the end of the month, take a serious look at the expenditure this month to see if there is any unnecessary cost, find savings in daily life, and make more detailed expenditure plans.

On the basis of strict implementation, we suggest that Mr. Wang set up an account in the bank to set up a zero deposit and withdraw account, and set up a portion of the salary automatically pferred to the account after the payroll date, such as insisting on the monthly surplus of 500 yuan a year.

deposit

The amount is at least 6000 yuan.

Second, asset protection.

Mr. Wang mentioned that he already had social insurance. He suggested that Mr. Wang should consider buying commercial insurance as his personal income increased and his family matured.

Insurance protection is the bottom and the cornerstone of the golden tower. He protects you, no matter how bad the situation is, you can get the necessary protection. It is recommended that commercial insurance should first consider the protection of accidents and health care.

Third, investment planning.

In view of the fact that Mr. Wang is currently single and has a set of housing, we suggest that Mr. Wang can now live with his parents and rent out his own housing as soon as possible so as to increase his extra monthly income.

In the three tier cities, the average annual two bedroom rent will be calculated at around 700 yuan per month, and Mr. Wang's annual income will increase by about 8000 yuan.

If Mr. Wang is inclined to contact the high-risk investment market, he can choose the fund to set the investment. At present, the threshold of fixed investment has dropped to 100 yuan. The advantage of long-term fixed investment is mainly in the average cost and ironing fluctuation. But from the perspective of risk, we can choose two different types of funds to diversify investment, for example, one of the bond funds and one equity fund respectively.

According to Mr. Wang's current asset status, we suggest that Mr. Wang use 10% of his savings as venture capital and the rest as a reserve for daily life.

While actively investing in finding profit opportunities, there is another point to note: that is, open source appropriately.

Mr. Wang is young and energetic. He can make full use of his spare time to invest in his education or skills, enhance his personal comprehensive ability, enable himself to master mature work skills, raise his salary as early as possible, or find work items that can bring additional income in his professional and professional fields.