129821023673750000_6Wealth management is a process up. Moonlight after the year to 130,000 or small fi couples how financial management advice: family emergency reserve earmarked, but also to buy adequate insurance for family support is a typical "pillars" family. Generation y Chen Keyu white-collar working for a design Institute in Chongqing, the average monthly income of tens of Yuan. Last year, Chen KeWoo married, wife Cao Xiaojie is a graduate. In the eyes of others, Chen Keyu career, family happiness, but he has to family financial troubles in the sub-health state. Chen Keyu said that even conservative estimates his annual income is more than $ 130,000, but money is still spent unconsciously. "Every month is very tight, every consumer has accounts available, sometimesI wanted to broke in half a penny to spend. "Family income and expenditure year to 130,000, odd left Chen Keyu books packed to record the monthly expenditure. Chen Keyu's main income comes from the unit's quarterly bonuses and bonuses, monthly salary is not very high, more than 4,000 million. Expenditure: mortgage for $ 2000 month, $ 1000/month, Daily expenses (including net charge, property management, etc) more than 2000 Yuan/month. In addition, the wife's clothes and cosmetics to brush more than 20,000 yuan a year, graduate tuition fees for one year more than 10,000 yuan, on his own clothes to use up more than 20,000 yuan, communication coupled with caring parents, friends, socializing, friends, marriage gifts, "more than 130,000 a year revenue ended up leaving more than 1000 Yuan”。 Chen Keyu said that they had married a year, up to now didn't save any money, is a veritable "Moonlight." Financing programme: analysis of monthly deposit two thousand or three thousand Bank Manager Miss Wang, Chen Keyu, now revenue of $ 130,000, belonging to the middle income group in Chongqing. Couples monthly mortgage 2000 Yuan, total revenue less than 15%, debt pressure. However, his "face" expenses are too high, "money money" income is very limited. Wang suggested: Chen Keyu family emergency reserve should be established, in response to a rainy day. A family emergency reserve from two aspects, a fixed deposit by installments is taken, is the second fund investment, both of which have mandatory savings features. “According to income, he can save at least $ 2000-3000 per month, fixed deposit by installments, or you can do fund investment, personally, I prefer to cast. Is it more suitable for the mandatory savings and higher future appreciation; second, along with the growth of the Chen family, children go to school in the future, employment, marriage, or even Mr CHAN and pension expenses, such as Cao Xiaojie is a big flowerPIN, which cast well deal with this problem. "Wang said. Programme II: expenditure earmarked Bank Manager Mr LI
Diablo 3 power leveling, Chen Keyu health household finances are in Asia, is because there is no perfect family wealth management and caused by excessive consumption. He should be family cash planning: is divided into a number of funds, eachFor a special expenditure, be earmarked. For example, Mr CHAN referred to the month for $ 2000, $ 1000, daily expenses of keeping a car belonging to special funds, separate accounts do know, the new families to save money of the fiscal stance is very important to the couple. Managers recommended LI: after the monthly wage to account, first of all, to resist the temptation to consume. For example
Rift CD-key,Insurance-buy years to pay dividends, payment once a year, due to pay, so he had to think of a way to save money. Scenario three: he should buy enough insurance senior financial planner Liu Zhu said that
SWTOR CD-key, as a major economic pillars of the family, Chen Keyu didn't have any commercial insurance, the family is a big problem in risk management. This family belongs to the single pillar,Should there be any emergency situation, to families caused by trauma are fatal. He suggested that Chen Keyu, zhongji and should be equipped with full insurance coverage. "The income of Mr CHAN, will assume greater work pressure, this has a great impact on health, configure a health insurance is imperative. ' Pillars ' family is very fragile, he also needs to configure a casualty. ”In addition, long-term stability to families, wives Cao Xiaojie should learn some knowledge, earn back money to take care of a good husband, Cao Xiaojie family men, cut expenditure and raise revenue are issues she must consider, this is her contribution to the family, and her husband maintained equal step. "Family is a matter of both husband and wife personal. "Mr LAU said. Text of this version/Chongqing morning news student reporter Wu Lifan
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