My girlfriend and I have a monthly salary of 6,000, how to manage money to buy a car within two year

What kind of car do you want to buy, now there are so many cars of 20,000 or 30,000 yuan, and you can buy a BYD for 6,000 yuan this year.

If you want to buy a Honda, Hyundai or Mercedes, you have to work hard.

If you're willing to make a fortune in the capital market, I can give you some advice.

It combines the dual advantages of ** and ** trading, and overcomes the disadvantages of both. The biggest advantage is that the risk is smaller, it is easy to grasp, there are more profit opportunities, and it is the most suitable for investors who pursue a stable style.

1.Two-way operation, two-way profit. You can make a long profit (buy at a low position to open a position when you are bullish, sell at a high position to close a position), and you can also make a profit by selling short at a low position (sell at a high position to open a position when you are bearish, and close a position at a low position). Therefore, as long as you do it in the right direction, you can make money regardless of the ups and downs.

2.T+0 trading, can be bought and sold at any time. It can be entered and exited many times on the same day, and the capital turnover is fast, which can not only reduce the risk, but also be suitable for the best masters.

3.With a small broad, the threshold for entering the market is low. Implement 20% margin trading, and there is no limit to the position. Regardless of the size of the funding, you can participate.

4.Low transaction costs. The transaction cost is only the handling fee, and there is no stamp duty, transfer fee, etc.

5.It is easier to grasp with less risk, strong controllability, and stable income. Profitability is stronger and earnings are more stable.

6.Transactions are easy and fast. Investors can trade no matter where they live with the internet.

7.Security of funds. Funds can be large or small, supervised by a third party of bank funds, free in and out, online deposits and withdrawals are very safe.

8.Interested parties can communicate with each other and provide you with professional technical guidance!!

Distribute your monthly salary well After all, a dead salary is a dead salary Take out a part of the savings and take out a part of the financial management monthly salary 6k It is difficult to buy a car If you buy it, you may not be able to raise it.

2 people add up to 6000, the car is very reluctant, it is recommended that you still struggle and struggle, there are seven or eight thousand is easy.

It depends on what car you buy, it is recommended that you buy a mini car, now the oil price can't hurt, and the maintenance is okay.

With the development of social economy, people's consumption level is getting higher and higher, and a monthly salary of 3,000 is basically impossible to buy a car in a short period of time through financial management. The monthly salary of 3000 is less disposable for financial management, and the personal risk tolerance is not high, so you can only choose stable financial products, and the income of such products is low, and you cannot improve your personal economic ability.

In addition, the longest car loan can not exceed 5 years, taking a car of 100,000 yuan as an example, the installment of 5 years, the monthly payment is about 2,000 yuan, and a person's daily expenses of 1,000 yuan a month is relatively reluctant, not to mention that after buying a car, there are gas, maintenance, insurance and other expenses, which will increase the personal financial burden.

**Regular investment: Invest a fixed amount (such as 500 yuan) into a designated open-ended**, similar to the bank's lump sum deposit and withdrawal method. In this way, the investment can average the cost, diversify the risk, and is more suitable for long-term investment.

**Regular investment: No matter what** every month, buy a fixed amount (for example, 300 yuan grams), and wait until two years later, it is a lot of wealth.

I can't wait, so I'll do it**,**,Forex,**.

Buy it first, then pay slowly

1. The monthly salary is 3,500 yuan, 42,000 yuan a year. 82,000 yuan for two years. If you usually don't spend much, you can withdraw 3,000 yuan per month for a small deposit, and you can also buy a car after two years without risk.

2. Do the index every month, each time the index is close to the low point, invest 2000---2500 yuan per month, for two years, and the expected income is 40-50% You redeem it after two years, you can buy a car, but you need to learn to see a certain **trend, which is a bit risky.

3. You can choose a potential **, keep low**, invest about 2,500 yuan per month, and have an average increase of 50% after two years, you can also buy a car, which is risky.

You can do some financial products in installments.

Seven key points for family financial planning.

Income - Savings = Expenditure. You earn 10,000 yuan a month, and you are required to leave different amounts of money at different stages, so that the money after the reduction is the money to be spent. There are seven key points in family financial planning:

Family financial analysis, insurance planning, children's education planning, residence planning, retirement planning, tax and estate planning, investment planning. Why Retirement? China is entering the stage of aging, and China is still in a stage of raising children and preventing old age, so we must think about whether our pension in the future is well-off, hedonistic, or secure?

Estate planning feels far away from us, and I think everyone should also understand this, just like after Chen Yifei's death, because he did not do estate planning, all fixed assets and intangible assets have a relatively large depreciation, and his ex-wife is now also caught in inheritance disputes. The two most frequently talked about in investment planning are "high risk, high return" and "don't put all your eggs in one basket".

People of different ages have different financial management points and insurance skills due to their different priorities in work and life. Thirty and "reason": the protection of oneself and the child's character:

Mr. Li, a staff member of a foreign company, has a monthly salary of 6,500 yuan, and his wife works in a private enterprise with a monthly salary of about 2,500 yuan, and the child has just been born. The financial pressure has made Mr. Chan eager to find a safe investment channel to prepare for his children's future. Financial advice:

Men around the age of 30 should first consider taking out critical illness insurance for themselves to ensure the financial stability of the family; Once the main breadwinner of the family has been effectively secured, consideration should be given to preparing education funds and a comprehensive protection plan for your children.

Since there is a relatively clear investment plan, I personally think it is better to focus on fixed deposits, and you can consider it appropriately, not recommended, because it is a long-term investment, and there will be a risk of loss in the short term.

First of all, you and your husband will do a critical illness insurance to ensure the safety of the funds when saving for the down payment, and then divide the remaining funds into several parts, for example: 20% insurance + 30% bank + 25%** regular investment + 25% more aggressive investment.