The couple now live with their parents and have another house for rent, with no loan, and the monthly rent is 1700 yuan. There is a car, the monthly repayment is 1700 yuan, and it takes 16 months to repay the car loan. The monthly fixed expenditure of the family is 1.800 yuan, and the unnecessary expenditure is about 1.500 yuan. At present, 50,000 demand deposits and 60,000 trust wealth management products will all expire next year. Considering having a baby for half a year, I plan to change the school district in the main city within 1 year. How to manage my money?
A: If you have children, your monthly expenses will definitely increase. You also need to buy a school district. You can consider changing houses, selling your own house, paying the down payment for the school district, and mortgage the rest of the house with the provident fund. After deducting the monthly expenses, the monthly income is used to repay the mortgage. The surplus house money can be properly invested, 20% in stock funds, 65,438+00% in insurance, 65,438+00% in flexible term wealth management products as usual reserve funds, and 60% in bank wealth management. The year-end award can be considered as the annual travel fund and the children's future education fund.
(The above answers were published on 20 17-02- 16. Please refer to the actual situation for the current purchase policy. )
Sohu Focus Network provides you with comprehensive information such as real estate information, real estate details, purchase process, owners' forum and home decoration.