Foreign Company White Collar With 100 Thousand Annual Salary: Fixed Investment Fund, Clever Deposit, And Farewell To Poor Families After Marriage.

Chen Kai is 28 years old and now works in a foreign company. He paid 30 thousand to 40 thousand yuan in salary just 6 years ago.

3 years ago, Chen Kai

Now Chen Kai spends about 7000 yuan a month, and has no time to invest in stocks. The monthly salary of 1000~2000 yuan is paid in the salary card.

He spent less than 50 thousand yuan in cash in 6 years because of his huge expenses and his lack of money.

Financial goals:

Decoration 100 thousand + wedding 150 thousand

1. plan to decorate the new house before the end of the year, spend 100 thousand yuan.

2. planning to marry a girlfriend after one year is expected to cost 150 thousand yuan.

3. reasonable financial management after marriage.

Financial diagnosis:

Too much expenditure is unreasonable.

1. Chen Kai has only saved 50 thousand yuan in the past 6 years. The main reason is that he spends too much money. Therefore, "saving money" has become the primary task, including reducing daily consumption expenses and reducing the living environment.

2. at present, the savings of 50 thousand yuan are placed in the bank's survival period. In fact, some short-term financial products should be handled in the bank to increase profits. At the same time, they can handle the business of "fixed activities and mutual pfers" and enjoy regular profits while enjoying the convenience of the current account.

Financial planning:

Fixed investment to develop savings habits

1. the cost of fitting out a new house is 100 thousand yuan.

It can extend the current mortgage period from 15 years to 30 years, the monthly payment will be reduced from 2000 yuan to 1500 yuan, the monthly contribution will be reduced by 500 yuan, and temporarily reduce the living environment, change from two bedroom to one bedroom, save 500 yuan, reduce the number of credit card consumption, save 500 yuan per month from living expenses, and save the girlfriend from living expenses by 2000 yuan per month.

As a result, the total amount of four items can be raised to 79 thousand yuan, and it is still 21 thousand yuan, which can be collected by the bank for decoration loan and 100 thousand yuan.

2. Liu Kai and his girlfriend plan to get married in 1 years, and it is estimated that they will need 150 thousand yuan.

At present, the annual income of Liu Kai and her girlfriend is 150 thousand yuan, and the annual balance is less than 20 thousand yuan. All the savings are used in the renovation of the new house. It is not realistic to make up enough for the 150 thousand yuan marriage in 1 years. It is necessary for the two family to work together to achieve it.

3. how to manage finances after marriage?

In view of the current situation of Liu Kai, we should make reasonable savings after marriage, use the way of "fund fixed investment", not only form the habit of saving, but also learn how to invest. In addition, we should make full use of the financial functions of banks, such as "fixed activities and mutual pfer", so as to achieve the purpose of flexible financial management. We can learn to accumulate wealth slowly through long-term planning, such as raising children's education funds and their own pensions.