1. Your total annual income: 3500 *12+1200 *12+2500+30000 = 86400 yuan.
2. Your overall annual expenditure: 2300 *12+2000 *12 = 51600 yuan.
3. Your annual savings: 34,800 yuan. The average monthly savings is about 2900 yuan. However, due to your unbalanced income, your monthly disposable income is 4,700 yuan, and after deducting the fixed expenditure of 4,300 yuan, there is still more than 400 yuan per month.
At present, you have serious illness insurance, so you can consider not buying insurance, but it is recommended to buy an accident insurance. After all, risks are everywhere, and there is not much money for this. Only 200 yuan a year.
5. You can invest in a fund with an amount of about 800- 1000 yuan (you can transfer some of your savings to make up for it in the early stage), and choose 2-3 fund products to diversify investment risks. Judging from the operation of the fund's fixed investment in previous years, as long as the products with good growth are selected, the average annual income is around 8%, which is a relatively low calculation. The annual return on investment of good products can be above 15%. If we insist on a ten-year fixed investment, the overall income should be around 230 thousand. Let's make a conservative estimate. Automatic monthly deduction, compulsory financial management, after a few years, if the income is good, it can be used as the down payment for your car purchase, or you can cooperate with your savings to buy a car to ease your mortgage pressure.
6. Don't put your deposit in the bank except for the fixed investment. If you have time and some investment experience, you can consider buying some stocks, but the amount should not be too large, because stocks are risky. If you have no investment experience, you can consider buying some funds, but you should pay attention to them every few days. If the income is around 10%, we should consider selling it and gradually increase the income. Don't covet high profits, resulting in loss of principal.
7. If you don't have the time and energy to speculate in stocks, you can use other funds to buy bank wealth management products under the condition of normal deduction of monthly capital investment, and the income is much higher than that of deposits, which can continuously increase your overall income.
Eight, now that I have a house, the cost of getting married in the future will not be very high, and the pressure on two people to repay the loan together after marriage will be less. Don't worry too much about this.
Before investing, you should deposit at least three months' basic living expenses in your current passbook for emergencies.