Self Coercive Savings, Clever Financing &Nbsp; Moonlight Clan Realizes Car Buying Dream One Year.

Ms. Nuo is 27 years old and an English teacher. Her monthly income is 3000 yuan, and her year-end bonus and other work income are 18 thousand yuan / year. The husband is 29 years old, and the staff member of the institution is earning 2600 yuan per month. Two couples have been married for two years, and there are no children at present.

The family is in good financial condition, with more than 80 thousand yuan in deposit and 20 thousand yuan in the fund. The loan house is set at 2000 yuan per month. After deducting mortgage, living expenses and human relationships, almost no money can be saved every month. It belongs to the "moonlight clan" couple. They hope to ensure that they can save money every month through reasonable financial management, and they want to buy a car in a year, and intend to have a child in a few years.

[pulse inquiry]

Through the analysis of Nuo's family financial situation, we find that the family lacks comprehensive insurance protection, and the savings varieties lack effective asset appreciation, so we need to accumulate capital to meet future children's expenditure and living needs.

Bank Conduct financial spanactions Experts reply:

[suit the remedy to the case]

　　 Savings plan To open a savings passbook and deposit around 20 thousand yuan as emergency fund (to cope with unexpected and unexpected expenses). A one-year zero deposit and withdrawal account is set up to deposit 1000 yuan a month, because the training of saving money awareness is very important. The fixed deposit behavior every month can cultivate its habit of saving and saving. But it should be noted that at this stage, the deposit rate is low, and it is not suitable for long-term savings, so the deposit is the best one year. In addition, the money can also be used to cover insurance costs when it expires every year.

After the expiration of the existing certificate of deposit, it is proposed to divide it into three parts (20 thousand yuan each), which are deposited in one year, two years, and three years in three certificates of deposit. Every year when a certificate of deposit expires, it is spanferred to a three year deposit. This will ensure the liquidity of the fund, avoid the loss of interest in the early withdrawal, and enjoy the high deposit interest rate of three years. This deposit management technique is more suitable for MS Ni's preference for low risk customers.

　　 Investment Planning: if Ms. Nuo does not have much financial experience and has no time to finance, she can choose FOF financial products, such as insurance company's investment linked insurance, which is a kind of insurance that covers insurance protection and investment. To a certain extent, it can not only disperse the risk of purchasing funds, but also have certain guarantee functions to make up for the deficiency of old-age security.

Consumption planning: at present, the most important thing is to save money and control the consumption of non essential necessities, such as entertainment consumption and the purchase of designer clothes. Generally speaking, families with monthly income do not spend more than 40% of their monthly income at most. The best way to do this is to set out a reasonable consumption plan every month, and try to avoid overspending according to the budget.