How to make a family financial plan for the post-90s generation. Recently, we learned from the news released by the Ministry of Civil Affairs that in 2014, the age of first marriage for men was 30.11 years old and for women was 28.14 years old, which dropped for the first time after four consecutive years of growth. Among them, those under 30 years old (born between 1984 and 1992)

) is the main group of people who apply for marriage registration.

The age of first marriage in Shanghai has dropped for the first time, and the post-90s generation has entered a marriage climax, entering the palace of marriage and starting a small family.

?Post-90s generation? They are straightforward and willful people who want to do what they want to do and live the life they want to live.

And behind this, also comes from the strong support of their parents, who gave them a superior life and helped them take care of everything in life.

But? Children must learn to grow up. How to take care of a small family after leaving their parents? How to manage the family's finances? Xiao Ming and Xiao Juan, born in the 1990s, are both 25 years old this year and were a couple in college.

lovers.

Two years after graduation, the two got married and started a family.

Currently, Xiaoming works in a public institution in Shanghai, with a monthly income of 6,000 yuan, and has five insurances and one housing fund.

Xiaojuan works in a foreign trade company and has a monthly income of about 5,000 yuan. Both of them have "five insurances and one housing fund".

In addition, the current status of the young couple is: How much do they earn and how much do they spend? This includes food, clothing, housing, transportation, car maintenance, etc. However, sometimes they still need living subsidies from their parents, so there is no pressure on them to pay for a mortgage or car loan.

Because when they got married, their parents bought a wedding house and a car for them, so they lived a carefree and comfortable life.

Originally, they planned to have a child when they were 30 years old and wanted to live together for a few years. However, due to pressure from their parents, Xiaoming and Xiaojuan planned to have a child next year. Considering that the money they currently earn is only enough for normal life, they would not be able to wait for a child.

What should we do if our living expenses increase after birth? For young families like Xiaoming and Xiaojuan, born in the 1990s, their parents are busy with everything and life is stress-free. "Enjoy while you are young" is their life principle.

However, financial planners from Jiafeng Ruide believe that if Xiao Ming and Xiao Juan do not change their consumption concepts and do not pay attention to financial management, they will not be able to support their children in the future unless their parents help.

Therefore, on how to manage finances for new families born in the 1990s, financial planners give them the following family financial management suggestions: 1. First formulate a financial plan. The small family born after 90s must first formulate a financial plan. It is best to present it in the form of specific numbers, such as 1 year.

Save 100,000 yuan, and prepare a reserve fund of 100,000 yuan for the baby in 2 years.

Post-90s families can manage their monthly household income into three parts: first, monthly living expenses; second, monthly regular savings, which can be reserved in the form of fund fixed investment or Yisheng monthly fixed investment, the latter of which sets the investment threshold and income.

Slightly higher; third, investment funds can increase the value of family spare money. For example, 50,000 yuan can buy bank financial products with an annual return rate of about 5%; 100,000 yuan can be configured with Yishengyue Yiying products with a monthly return rate of 0.77%.

; 200,000 yuan can be allocated to stable and selected fund products, with higher returns.

In addition, financial planners recommend that post-90s families develop good bookkeeping habits, which will not only help them understand the family's income and expenditure, but also help them effectively control unnecessary expenditures.

2. Changing consumption concepts. Two people born in the 1990s have built a happy family together, and they have an extra responsibility.

This is very different from falling in love. Both parties should change their perspective. The money they earn from each other is for this small family and for future children. It is the family's common property.

Therefore, financial planners believe that the post-90s generation should learn to cherish every penny earned by each other, change the concept of "consumption in advance", and achieve moderate consumption based on the family's income status and financial management goals.

After the child is born, you can prepare the child's education fund in advance to relieve the pressure of future children's schooling and family expenses.

3. Co-managed account In addition, data from the Civil Affairs Bureau shows that marriages of people aged 30-40 are most likely to break up, and most of them are over trivial matters of money, which is not worth it.

Therefore, in order to reduce family conflicts, financial planners suggest that small families born in the 1990s can set up a joint management account, and both of them will put a fixed amount of income into the joint management account every month, so that they can save money and

It can cultivate the relationship between both parties.

The post-90s generation has entered the marriage wave. They need to manage family finances early, budget carefully and spend moderately. This kind of "living well" is for long-term happiness after marriage.

In addition, parents should also be strict with their children and let them bear some expenses, such as buying a house, so that their children can truly learn to grow up on their own.