A family of three, with a monthly income of 2000 yuan, can still live a "moist" life. 2006-11-0310: 42: 20 Source: Liaoshen Evening News. User comments: 0 Dark Horse is recommended to enter the forum.
Author: Chen Wei
Turn the pressure of buying a house into parts
My husband and I work in Zhongshan Square, Heping District, Shenyang, but we have not settled there. In 2002, we settled in Dongling District. The real estate environment here is good, and the house price at that time was only 1500 yuan per square meter.
I chose an 80-square-meter house, only spent 654.38+10,000 yuan, and spent 5,000 yuan on a motorcycle, which solved the traffic problem at work.
Originally borrowed from parents and relatives, you can pay the house price in one lump sum, but it is still a mortgage loan. With our income, if we pay 1 000 yuan a month, our life will be very tight, but if we only need to pay back to 400 yuan every month, there is no big problem. So I decided to pay off the loan in 20 years instead of short-term loans. In this way, the pressure of buying a house will be "broken into parts" and it will be easier to live in a new house.
Shopping is cheap.
Household daily necessities expenditure is a big expenditure. I don't buy it when I think about it or when I need it. Instead, make a list and concentrate on purchasing when some festivals and stores promote sales. This is generally cheaper and has a chance of winning the prize.
In addition, I also have a consumption habit, that is, I never shop from a familiar shopkeeper, because some shopkeepers seize your familiarity with him and are embarrassed to bargain, and the price offered is relatively high. If you go shopping in an unfamiliar store, you won't have these concerns. You can make a bold counter-offer. Even if you can't, you can choose another store.
Insist on buying insurance for children
My husband and I have some basic insurance when we go to work. We just need to buy insurance for our children. When a child is born, he has an education insurance, that is, he pays one yuan a day. When the child starts to go to junior high school, he can receive more than one thousand yuan in tuition, so I bought it for him.
In addition, when children go to school, there is a kind of collective accident insurance, and only 35 yuan is needed for one year. And if I buy it separately, it costs 100 yuan a year, which is also for children. Once, a child cut his foot by a nail on the table at school, and spent more than 700 yuan on stitches and medicine, and reimbursed more than 600 yuan.
In this way, through the above three measures, although my family's income is not much, it has lived a happy well-off life.
Expert comments:
Du Hang, a financial planner, believes that some families with low incomes think it is a luxury when they talk about financial management. Most of them think that their income is meager and there is no "money" to manage. As everyone knows, it is also possible for low-income families to "gather sand into a tower" and reach the realm of "financial freedom".
It is suggested that low-income families choose pure or partial guaranteed products, with "health care" insurance as the main and accident insurance as the supplement. Especially for those families with low social medical security, the most ideal insurance scheme is to purchase major illness health insurance, accidental injury medical insurance and hospitalization expenses medical insurance. Considering that a large part of the income of low-income families is used for daily living expenses and children's education expenses, the insurance expenditure should not exceed 10% of the total family income, and the insurance should also focus on adults who play the role of the family's economic pillar, not children.
A:
1, according to the relevant information in the article, if there is this insurance, it must be before 2002! Maybe not now, just like AIA had accident insurance in 38 yuan /2000, but it is gone now, so it is meaningless to think about it again! It's just that the baby was born a little late, um,,,
2, in fact, the part about insurance in the article is just that the protagonist himself doesn't know much about it! (There is group accident insurance, only 35 yuan for one year. And if you buy it separately, it will be 100 a year, and I will also buy it for your child. The insurance liability of this kind of insurance is definitely different, just like the former can cover 10000 yuan, and the latter may be 30000 yuan or more!
Of course, the insurance mentioned by the hero is very good, but the insurance must be suitable for your actual situation, so you must start from your own needs and seek a suitable guarantee! As the financial planner commented above!