Hello, according to your current situation, your family's monthly balance is about 5,500 yuan, and the basic balance is about 5,000 yuan, excluding the tuition for children to go to kindergarten. I don't think you should worry about buying a car now. The car is in debt, and you have spent money since the first day you bought it. Now the price of oil is higher. If you have the pressure to buy a house, I suggest you don't buy a car yet, and pay off the house down payment. Now, you can make good use of the money at hand. The premise of financial management is to protect the capital, and then guarantee the investment with certain income. Therefore, it is suggested to choose some relatively low-risk investment methods.

First of all, we can consider some long-term stable income investments, such as the fixed investment of the fund, buying 300-500 yuan every month and holding it for a long time.

Another part of the deposit, you can buy paper gold, and the income is relatively considerable.

There is also a part of the deposit, which can be used to buy short-term wealth management products of banks, with short cycle and low risk.

Finally, the money that may be used at any time can be used to buy money funds, which can be purchased at any time and redeemed at any time. It is also more convenient and flexible to use money, and the income is higher than that of depositing in the bank.

The above wealth management products can be purchased directly from the bank. If online banking is opened, you can buy it directly online. You can ask at the counter!

I hope it will help you and wish you happiness ~!