Monthly 20 Thousand "Sandwich" Family How To Achieve The Purchase Of Car Purchase Plan

This year, Mr. Gu, who is 39 years old, got married rather late. Although he has worked for many years, his family has just entered the stage of growth.

　　 Life pressure rises suddenly after birth

         "Now think about it. I used to be full of food and family. But when I got married in 2010 and had children in 2011, my life changed completely. After my wife got pregnant, I told her, give me 3 years of buffer period, and let me create better living conditions for you and your children. Now I see that the children are all one year old, but I haven't finished many things yet. "

Mr. Gu now has a monthly income of about 15000 yuan, and his wife has resumed work after her maternity leave last year, with a monthly income of about 5000 yuan.

In the past few years, Mr. Gu bought a set of real estate in his hometown, Hefei, Anhui. At present, the market value is about 700 thousand yuan, and the monthly rental income is 2500 yuan.

Mr. Gu and his wife work in Nanjing. After the birth of their children, Mr. Gu took the old father-in-law and mother-in-law together to live in Nanjing, and brought a distant cousin to take care of the whole family's daily life. In the absence of a house in Nanjing and a sudden increase in the number of people living in residence, Mr. Gu and his wife had to rent a room with three rooms and two rooms. The monthly rent would cost 4000 yuan.

In addition, at present, 6 people in the family spend about 5000 yuan in their daily life. And the wife is 80% of the consumer, spending about 2000 yuan per month for shopping and so on. Because the elderly father-in-law's body is not very good, and left the local workers' hospital in Anhui, the cost of health care at home is about 1200 yuan a month. The fee paid to my cousin is 1800 yuan per month.

As a result, Mr. Gu's monthly balance is about 8500 yuan.

Annual nature Budget On the other hand, Mr. Gu has a lot of year-end awards. The couple's year-end bonus can be up to 70 thousand yuan, just paying insurance premiums, visiting relatives expenses and year-end shopping expenses.

　　 Short and medium term financial targets to buy cars

          "My wife just got her driver's license last month, and I plan to learn how to drive this month. This year we plan to buy a car first, and then we'll have a spot on it. The initial intention is to buy the about 200000 yuan SUV of Volkswagen. "Mr. Gu talked about his family plan. "As for the house, we must buy it. But if you want to buy a house in Nanjing, you will have to buy a house with three rooms and two rooms. Because when I was married, I promised my wife that after that, wherever we go, we should bring her parents, because the body of the old father-in-law is not very good. As a result, the total price of Nanjing's housing needs about 2 million 500 thousand yuan, so we may need to sell the Hefei house. The volume of the project is a little big, and it can not be accomplished overnight. I plan to buy a school district room in two years, and also for my son's future schooling. "

Mr. Gu inspected his family. Assets The cash and deposit in hand are about 50 thousand yuan, 100 thousand yuan in fixed deposit, 400 thousand yuan in stock market value, about 700 thousand yuan in real estate in Hefei, 20 thousand yuan in gold jewelry, and 1 million 270 thousand yuan in total assets.

　　 We plan to buy education insurance for our children.

In addition, Mr. Gu recently plans to buy another copy for his children. Education insurance In recent days, it is still in the agent's discussion that the annual premium is expected to be around 20 thousand yuan. "I am not a rich man myself. I can not keep shops for my children. The stock has invested a lot in the past, but it always makes less money and loses more. I feel that education gold insurance should be allowed to forcibly save, and save one thousand or two thousand yuan a month for my son. "Mr. Gu thinks so.

At present, Mr. Gu himself has a 500 thousand yuan amount of serious illness insurance, his wife has a quick return to the type of bonus insurance, son has a commercial serious illness insurance, the family annual premium paid just over 50 thousand yuan.