Ask for a family financial plan with a monthly income of 4,000 and an expense of 1,500

1. Give family members a personal accident insurance, and the insurance amount on the main economic pillar of the family should be higher, not less than 200,000 yuan; If you take a critical illness medical insurance, you can choose term life insurance with additional medical treatment, and the premium is cheaper.

Protection insurance is an important part of a family's financial plan and is indispensable. The proportion of expenditure on science accounts for about 15% of the annual household income. The annual expenditure should not exceed 7,000 yuan, and the monthly expenditure is about 550 yuan.

Household annual income: 4000 12 = 48000 yuan.

48,000 yuan 15%=7,200 yuan.

2. The bank current account should have at least 10,000 yuan for half a year's living expenses.

3. Make some long-term investments that are capital guaranteed and stable, with a monthly expenditure of about 600 yuan. If you have children, you can take out children's education insurance, or give yourself an endowment insurance as a supplement to your retirement pension. These products are all value-preserving and appreciating.

However, they are all long-term investments, and the effect is not obvious in the short term.

4. Develop a good habit of depositing a fixed amount of money in the bank every month, depositing and withdrawing the whole amount, and re-depositing the interest together with the principal for a fixed time. The effect of compound interest is like a snowball. At least 700 fixed deposits per month

The remaining 2500, a fixed deposit of 1000 yuan to the bank, as an emergency fund, if the child has no work income or no children, save 500 yuan per month for education, and 1,000 yuan as an investment, buy insurance or something, endowment insurance, medical insurance, accident insurance and the like, don't underestimate it, it is very useful It is recommended not to use a lot of passbooks, so that you can't save money, always want to spend a lot of money, I wish you more and more assets

1.500 yuan per month for meals.

2.Based on the calculation of a family of 2, each person consumes a glass of milk per day, 120 yuan.

3.Now you don't have to think about buying insurance.

4.You can consider buying a car, accumulate 1000 yuan per month, and buy a second-hand Santana 2000 for two years

5.Invest 1,000 yuan a month to study for two.

6.The accumulation of 500 yuan per month is used for tourism, and you can go to a good place to play for a few days a year.

7.Leave the remaining 780 yuan for a friend.

Buying an economy car before June 2010? Bought it? It is possible to take out a loan to buy a car.

Buy some financial insurance, a good choice!

You can use a good plan, she manages money, digs money and other financial management software to save a fixed time, with an annualized rate of about 8%.

Welcome to pay attention to CMB Wealth Management, CMB has savings, large certificates of deposit, wealth management products, foreign exchange, **, ** and other investments for you to choose.

Risk and return are basically proportional, the choice of savings is required to protect the capital, the pursuit of low risk can consider currency ** and low-risk financial products, the pursuit of high yield can understand the investment **, foreign exchange, **and**, if you have a local China Merchants Bank, you can contact the branch account manager to communicate financial matters.

Part of it is used to buy short-term financial products or **, part of it is to buy future financial products for your children, and part of it is to buy insurance for the health of your whole family.

Hello, family financial management must pay attention to risk avoidance, and the best investment is portfolio investment, which can diversify risks. There is a commonly used "three-three principle", which uses one-third of the money for savings, circulation and emergency use. Use one-third of your money for long-term, low-risk investments, such as treasury bonds, and one-third of your money for short-term risky investments.

For example, **, spot.

What you invest depends on your own risk tolerance, your expectation of returns, and the time and energy you can use to invest The returns of short-term investments are significant, and the returns can reach 10% in a good day. So, you have a good grasp of the proportion of these funds.

First, get the deposit to 6,700,000 to cope with the sudden layoffs.

Then take about 2000 per month to buy**,**, paper**, etc., this requires some professional knowledge, and it is easier to buy some fixed investment**.

Spend about 10,000 yuan a year to buy insurance, mainly for the family's economic pillar, this is the most effective means of protecting family wealth when the risk comes, can be divided into protection, pension and other combinations to buy, that is, you can maintain the appropriate amount of insurance, but also have a certain amount of old-age security.

There is also money that can be saved 1,000 per month to buy low-risk short-term products such as treasury bonds to preserve the value of wealth.

The rest of the money will be used as money for you to buy other things or personal favors.

I am an ordinary housewife, as far as I understand that there should be enough living expenses and other necessary expenses necessary for life, the remaining money is divided into two parts, one is put into Alipay financial management, buy low-risk products, more than the bank interest, buy financial products every month or so, there is a disposable amount of money every month for about a year, if there is an emergency, it will be used, and if there is no urgency, it will be transferred; A copy of the bank demand is deposited in case of emergency, and if it is not used in a year, the deposit time is withdrawn. Although the money is not much, there will be a small harvest after accumulating for a long time.