Home >

Monthly Income Three Thousand How To Make Financial Planning

2013/12/26 21:13:00 45

??? 日本語 Fran?ais English 中文

Revenue Three Thousand Expenditure Financing Plan

first explain my situation. I graduated in June 2011. I studied < a href= "http://www.91se91.com/business/" > Finance < /a >. I am currently in a foreign company as a similar clerk. (don't ask me why I didn't work in the bank, I said too much, it was all tears). After deducting five risks and one gold, the current monthly guarantee is 3200 yuan, various types of time deposits are 10 thousand yuan, and the fund investment is 5000 yuan.

It plans to save first dollars in life at this time next year, fifty thousand yuan.

Checked the financial situation of the bank, from the internship to the present wage income of about 70 thousand yuan, but it only saved 15 thousand yuan.

Excluding 10 thousand yuan should be given to the family. At the beginning, they did not know about money management. There was no plan to spend money. Buying the mobile phone, the SLR, the travel, the high speed rail fee and the human cost of the home accounted for most of the living expenses.

Now we are paying attention to financial management, but we find that whether banks or all kinds of online funds, the high yield is basically the lowest 50 thousand deposits, so that 50 thousand should be a turning point in financial management.

Therefore, I want to make a financial planning here, hoping to bring some inspiration to you through my own experience.

first steps, according to < a href= "http://www.91se91.com/business/ > > Financial Management > /a > target, calculate the monthly expenditure control.

Monthly salary of 3200 yuan, 1 years, 38400 yuan, plus year-end awards, according to the previous two years of practice, it is estimated that the income of 6000 yuan, the total income of 44400 yuan.

Because of 15 thousand of the deposit, if we want to save 50 thousand yuan next year, we need to spend 35 thousand yuan in 1 years, that is, the expenditure should be controlled at 9400 yuan. In the 12 months, the monthly expenditure should be controlled at 783 yuan.

Second, then look at the current expenditure situation, whether it can be controlled within 783 yuan.

Because the company has subsidies, the monthly meals and accommodation costs are only 250 yuan, the daily necessities cost is estimated at 100 yuan, the snack cost is 200 yuan, the pportation cost is 240 yuan (long-distance love, the round-trip travel expense is at least 60 yuan), the human feelings cost 200 yuan, the clothing purchases cost 200 yuan, the monthly telephone fee 80 yuan, other expenses 100 yuan, altogether 1370 yuan, overruns 587 yuan.

This figure is not big, but in one year, the gap is 7044 yuan.

Third, to check whether there is room to save expenses.

The monthly cost of 1370 yuan is not high, but it is certainly high for its financial goals.

Different types of people have different views on the proportion of expenditure to income. For me, in order to achieve the goal of deposit, it is necessary to implement the principle immediately.

meals and lodging fees, the monthly budget is 250 yuan, which is very stable and does not need to be reduced.

the cost of living articles is 100 yuan, which is also small. There is no need to reduce it.

"P" snacks cost 200 yuan, and individuals do not belong to snacks, but they are very picky eaters. At weekends, they often go to town for 2 meals. This expenditure can be reduced to 100 yuan for buying fruit at weekends, so it can save 1200 yuan a year.

traffic expenses, all of them are going to see their boyfriends on their own. Because of listening to everyone's "slander", willpower has wavered and decided to see her boyfriend again in the next 2 weeks, the pportation cost can be reduced to 120 yuan, and the annual savings can be saved by 1440 yuan.

human relations fees, the company's ethos is not good, and because everyone is at this age, everyone who speaks in the office comes to invite you to eat the wedding wine, the starting price is 200 yuan, and the supervisor's invitation is much more, so the money will be saved at a cost of 400 yuan a year.

the cost of buying clothes is not only a dress adorning person, although the company's clothes and shoes are all sold, but it is also necessary to buy some clothes when the season is changed. It is estimated that it will save 400 yuan a year.

charges 80 yuan, a lot of colleagues, but in fact, compared with the previous, has been reduced a lot.

Speaking of this, I would like to remind you that it is best to make a few China Mobile's internal staff. Anyway, I was lucky. A colleague of the company gave up China Mobile's job for her boyfriend. But after all, it was related to me. I made a very regular phone call, and I talked on a weekly basis, and the length of the call was usually more than 1 hours, so the monthly toll was very high. But through this roommate, I handled the domestic number package of the domestic staff, which only needed 3 yuan a month, and had 2 family numbers, 500 minutes long distance.

In addition, the company often comes to deal with the group's preferential recharge. Now and then there will be a 200 to 200 shopping coupon. Besides, I am more concerned about China Mobile's official website. There are frequent recharge offers on the website. At present, there is a total of 25 yuan a month, which is expected to save 100 yuan per year.

other expenses, which cost 100 yuan a month and 1200 yuan a year. It is regarded as the cost of travelling home and shopping. It is not easy to go out to work. After work, you don't want to make an ordinary train again. (dirty and slow, sitting on more than ten hours is very painful), and

taking into account the possibility of returning home on the same day, only the high speed rail can be selected, and the high-speed rail will cost 700 yuan, plus 100 yuan for the pfer of the car.

to sum up, the total expenditure can be saved by 1200+1440+400+400+100=3540 yuan.

The total gap of 7044 yuan can save 3504 yuan for the remaining gap of 3540=.

the remaining 3504 yuan can only be realized through open source.

first, understand the way of open source.

As I would like you to think, the first way of thinking about open source is various kinds of part-time jobs and setting up stalls. I see a lot of people earn a lot of money through this way. They are very envious and admire.

consider whether these ways are suitable for themselves.

Although the company is more formal, with holidays and weekends, but because of the remote and remote relationship, I don't have the opportunity to take part in the supermarket and lack the ability and courage to set up the night market. So I think carefully and aim at the extra income that the company can achieve.

{page_break}

extra a href= "http://www.91se91.com/business/" > income < /a > 1: /p >

as a company's corporate culture, the company has a bulletin column every month, and the threshold is low. If the investment is to be accepted, the original works will cost up to 2 yuan per month for 50 yuan, and it should not be the same module.

I prefer literature on weekdays, so I plan to write articles from now on, and invest 1 original entries every month, so that I can make up 600 yuan a year.

Here, I want to remind you once again about the importance of good interpersonal relations.

It must be someone who is responsible, so the submission of the newsletter is the same. Because of chance coincidence, I was familiar with the original contributor, but now she pferred to another module, and another unfamiliar colleague was responsible for the production of this newspaper. Last time I submitted the manuscript, 1 days later, the newcomer would not put it on the top. I was also very depressed. Later, after hearing this, I heard that the original module you were casting was full, but the program topic and health knowledge module had not been cast yet, or you could extract two articles from the Internet, and slightly modified it, and you could get 45 yuan. Every position of the company is

As a result, I lost the chance to get 50 yuan, but I found 45 yuan later.

I feel lucky to be lost.

extra income 2: /p >

although the benefits and benefits of the company are not strong, it also stipulates the implementation of performance appraisal system. The excellent staff can get more than 30% or 15% of the bonus every month. Due to the lack of personal relationship and lack of ability, the employees belonging to the moderation type, according to the past two years' experience, predict that they can get 3 good times in 1 years, and increase performance bonus by 300 yuan.

extra income 3: salary adjustment and promotion income.

.

the company will pay the salary in July every year. It will be able to know how much it has been adjusted in August. According to the latest basic wage increase regulation, the forecast will increase at least 100 yuan, and it is expected to increase income by 1200 yuan a year.

According to the company system, I will be eligible for promotion in May this year. I will get a salary increase of about 500 yuan after promotion, and I will get an additional salary of 1000 yuan as of the end of 7.

Of course, promotion is becoming more and more difficult now. I must make good performance and strive for promotion time.

extra income 4: full attendance award.

.

the company's full attendance award is relatively small, only 30 yuan. According to its past performance, it is estimated that during the new year, most of the people will ask for leave during the new year. It is expected that they will be able to work in 10 months. (last year, because of the annual rest and rest, I could say that I did not ask for a day off, and I hope to continue this year), and I can get a full attendance award of 30*10=300 yuan.

extra income 5: investment income.

.

Before P, I mentioned that I now have a deposit of 15 thousand yuan, which is currently distributed as follows: 10 thousand yuan deposit and 5000 yuan.

10 thousand yuan, calculated according to the 1 year deposit rate of 3.25%, the interest rate can be harvested at the rate of 325 yuan; the 5000 yuan fund has all the existing Jinbao launched by Tencent network, and now it has gained 30 yuan.

According to conservative estimates, according to the annual yield of 3.5%, the end of the year will yield 175 yuan.

This time, Alipay has not yet launched the balance of treasure, then the launch of the balance treasure has become the headline of news. It has started to pay attention to this month. First it has been put in 500 yuan test, earning 6 cents a day. It is very powerful. Because Jinbao is launched by Tencent, QQ is too many, and it is not always at ease. Alipay has a compensation system, and its income is higher and pparent than cash treasure.

Here, we have to recalculate our monthly balance. The expenditure was originally 1370 yuan per month. After planning, the monthly expenditure was reduced to 1075 yuan. The original monthly income of 3200 yuan was counted as a monthly contribution of 50 yuan, a salary increase of 100 yuan and a monthly income of up to 3350 yuan, that is, the monthly income of 3350-1075=2275 yuan.

Even if it is 2200 yuan, 1100 yuan is used to deposit a year, the income is 1100*3.25%=35.75 yuan; the other 1000 yuan is invested in the balance treasure and cash treasure, according to the 3.5% annual yield, it can calculate 1000*3.5%=35 yuan.

in summary, income can be increased: 50*12 (+) performance appraisal 300+ salary adjustment (100*12) + promotion: 1000+ full time (30*10) + interest (325+30+175+35+35) =4000 yuan.

the original gap of 3504 yuan, now increase revenue 4000 yuan, that is to say, in 1 years, I not only saved enough yuan, realized the goal of 50 thousand yuan deposit, and about 500 yuan savings.

above is my plan within one year. It is simple to say. There must be many obstacles in carrying out it. I hope I can work hard, and I wish you all can achieve your financial goals. The more money you earn, the better your life will be.

Chen Yueqi, senior researcher of East China financial planner,

according to the financial management plan, the financial manager can basically achieve the goal of accumulating enough money for 50 thousand yuan a year, and the plan is relatively rational, but the execution difficulty is relatively large.

In view of the current assets and liabilities, income expenditure and related circumstances of the financial managers, the financial structure of the financial manager can be further optimized, appropriately reducing the proportion of liquid assets, increasing investment assets, increasing sources of income and expenditure to promote the preservation and increment of assets, and at the same time, personal risk protection is not enough, and reasonable planning is needed.

as young people graduating soon, in the process of accumulating wealth, more attention should be paid to increasing income and reducing expenditure, choosing suitable investment channels, reducing irrational expenditures, and making appropriate investment strategies.

1500 yuan of cash or current deposit guarantees normal expenditure, and the other 2500 yuan can exist in the form of money market funds, thus obtaining relatively high yield on the basis of ensuring the liquidity of the fund. As individuals do not purchase any commercial insurance and lack sufficient risk protection, it is suggested that appropriate insurance policies such as accident insurance, serious illness, hospitalization and other relatively low insurance premiums should be properly purchased, and the remaining funds can invest in some relatively high yield financial products. In view of the limited amount of funds, investment instruments such as stocks and index funds may be a good choice, forcing funds to be stored on relatively high income investment instruments, so that they can accumulate experience in investment and financial management at a young age and gain relatively high returns. For example, for the scientific allocation of 15 thousand yuan deposit, with the current monthly expenditure of 1370 yuan, the monthly expenditure of around 3 months can be maintained for about 4000 yuan, which can be retained.

throttling is also important in the process of financial management. Young people are prone to unreasonable consumption behavior. In view of the relative rationality of the financial planning, the key lies in the implementation of the plan, hoping that the financial manager strictly demands himself, guiding the flow of funds with the correct consumption concept, and at the same time, the financial manager can also increase other income sources, so as to promote the early realization of financial goals.