How do I manage my money? Come in and have a look, experts give some guidance! )

Does your company have food and clothing? I haven't heard you mention this part of the consumption. How's the traffic? Don't you have to travel?

Is there no other consumption? If you meet a girlfriend in the future, it may affect your plan. Consumption will naturally increase! ^_^

Also, what is your goal of buying a house? How big is the house? What city are you in? Where are the buildings in the city? Unit price per square meter? I don't know these things. Where does your goal of buying a house start?

The monthly salary is 1200 ~ 1500 yuan, the year-end bonus is 3000 ~ 5000 yuan, and the annual income is 17400 ~ 23000 yuan.

Monthly fixed consumption 180 ~ 200 yuan, annual fixed consumption 2 160 ~ 2400 yuan. The extra consumption is unknown, assuming that the extra consumption is 50% of the monthly fixed consumption. Because your fixed consumption is really small, the proportion of extra consumption is relatively high. Then180× 0.5 = 90,200× 0.5 =100, and the monthly consumption is 90 ~ 100 yuan more. In order to facilitate the calculation, at the same time, the extra monthly consumption can also be saved as monthly petty expenses. If you want to buy expensive things, you should save them a few months in advance and control your expenses in a planned way. Is it too difficult to control them? ) We use 100 yuan as your extra consumption. Then the annual extra consumption =100x12 =1200 yuan. Annual consumption is 3360 ~ 3600 yuan.

Annual balance =17400-3600 ~ 23000-3360 =13800 ~19400 yuan.

Assuming that wages, consumption and interest rates have not changed in recent years, and only rely on the interest of time deposits (the following is the total principal and interest after tax), then: (The increased part is the total principal and interest after N years of initial deposits in 500 yuan)

Calculated per year 13800:

Five years later (20 1 1 at the beginning of the year), 72258.45+5720 = 77978.45 yuan.

Eight years later (2065438+early 2004)120586.23+6164.79 =126751.02 yuan.

Calculated per year 19400:

Five years later (20 1 1 at the beginning of the year),101580.72+5720 =107300.72 yuan.

Eight years later (2065438+early 2004)169519.76+6164.79 =175684.55 yuan.

If you want to deposit a sum of money for four years, it is better to deposit 3 to 1 than 2 to 2, not to mention 1 to 1! .

For example, the principal is 10000 yuan. Deposit for 3 years is 1097 1.6, deposit for 2 years is 10882.66, and transfer is 1 year and 1 year. From 1097 1.6 to 10739.67, there is a gap of 23 1.93 yuan, which has exceeded the annual interest of 10000 yuan.

Forget it, it's all for nothing! I don't want to enter detailed calculations, which is very troublesome.

You spent more money than you said! Under normal circumstances, it is estimated that there is no hope for a flat house of 100.

If it is 5,000 yuan/flat, 100 flat costs 500,000 yuan, 80 flat costs 400,000 yuan, and 60 flat costs 300,000 yuan.

Even if you save 500× 12 = 6000 yuan every year, after 5 ~ 8 years, the down payment of 300000× 0.3 = 90000 yuan for a 60-square house is not enough.

Since there is not so much money, there is no need to spend so much and reduce it appropriately. Friends should understand your need to buy a house.

Even if the annual return rate of your financial management reaches 5%, it will be around 90,000 in eight years, and 9,500 yuan will be used for financial investment every year. Your investment is too conservative, and it is difficult to achieve this income. 9500 ÷ 12 = 79 1 yuan, at least half of the monthly salary should be reserved to barely reach the goal.

The housing accumulation fund is 36,000 after 5 years and 57,600 after 8 years. After 8 years, the loan will be paid off in 20 years, with equal repayment, with an annual interest rate of 5.04% and a monthly payment of about 1325 yuan. The housing accumulation fund can be paid for about six and a half years, and the rest is up to you. If we don't increase revenue and reduce expenditure, the expenses brought by getting married and having children will be even greater.

I don't know what you will be like in 5 ~ 8 years. Maybe you'll win 5 million. But we don't pin our hopes on small probability events. Please do your best. If you can't afford a big one, live in a smaller one first. If you can't buy it, rent it first.

And there is no statistics on inflation every year. Of course, you have not estimated your possible salary increase and promotion. Obviously, it is not enough to earn interest only through bank deposits.

Judging from your income, your risk tolerance is not very strong at present. I want to know what kind of risk preference you have.

There are also relatively risky financial products such as funds and bonds, so that their assets can gradually increase in value. Many products need a certain amount of start-up capital, and some need medium and long-term investment. Let's not talk about this for the time being, you can save the money first ~

Attachment: deposit interest rate%

I. Deposits of urban and rural residents and units

(1) Current account 0.72

(2) On a regular basis

1. lump sum deposit and withdrawal

Three months 1.7 1

Half a year 2.07

2.25 a year

2.70 for two years

Three years 3.24

3.60 pounds for five years

2. lump-sum deposit and withdrawal, deposit and interest.