Expenditure: the monthly daily expenditure of 2500 yuan is 2500X 12=30000, and the mortgage of 1000 is about 5000 yuan per year. Parents' living expenses are 5,000 yuan, and insurance costs are about 9,000 yuan. Not counting mortgage expenses.
2. The annual net income of the family is194,000-35,000-9,000-5,000 =145,000, the house assets are 700,000, the deposit is/kloc-0,000, and the bank loan is 70,000.
Suggestion 1. Pay off the mortgage of 70,000 yuan in advance, because you have 70,000 current deposits, and your deposit interest rate is lower than the mortgage interest rate. This 70 thousand is useless and it's still shrinking. Unless you can find investment and financial management that is higher than the mortgage, you can use this 70,000-odd to make money, or you will lose money.
2. You can hold or exchange your 20,000 yuan national debt investment for other flexible financial products. There is still a deadline of 30 thousand yuan. I don't know when it will expire. At present, there is an investment entrustment product with an annual income of 50,000, 10%- 15%, which has low risk and can be considered. Next year, when the baby is born for one month, it needs 1000 yuan. Together with the reserved education fund, the monthly expenditure will be around 2,000 yuan, and the baby will spend 3,000 yuan more each month. A year is 3000X 12=36000.
145000-36000 =109000 annual income after having a baby, it is no problem to buy a car for three years, and it is no problem to buy a house of 65438+ 10,000 yuan.
Seeing that Xiao Zhang's income and expenditure plan can be realized, what is lacking now is an investment and financial management plan.
At present, some investments are 20,000 national debt, and now there is no need to transfer expenditures, that is, to distribute income.
Investment direction; The steady income of bank financial management is low, and many banks consult bank financial information. If the annual income is 5%-8%, you can buy it in moderation. 40% of the funds.
The annual income of low-risk investment and financial management entrusted by trust funds is about 10%. 30% funds
Futures, spot gold, foreign exchange, high-risk and high-yield investment and wealth management products, the annual income is 20%-40%, and the capital 10%-20%.
Other funds can be used to establish liquidity emergency reserves.