Find a smart financial plan related to buying a car .

There are 50 minutes of bus every day, "about 25 kilometers away", it is conceivable that your monthly transportation expenses are at least between 80-150, and buying a car is also a top priority. If the above distance is of course a good deal to buy a car! When buying a car, you can choose a small-displacement "below" economic car, because the price of oil has risen too much recently!

Choosing an economy car is also to save a sum of money and plan to buy a house in the future!

3 Since you have a plan to buy a house, it is not cost-effective to refinance to buy a car, so you will have a certain burden every month! And after calculation, it is much more than paying off a car in a lump sum with a loan! It's better to pay it off all at once, how much cheaper it is!

Choose from an economy car, depending on your hobby, you can choose for yourself!

Once you buy a car, you have a lot of joie de vivre! In addition to traveling to work, I will teach you a trick to save money! In the process of your daily commute, you can choose the same route of colleagues or friends to travel with <1 to 2 people", he "she" also avoids the pain of squeezing the bus every day, you only need to charge their normal transportation fees every month, make up for the fuel consumption and other expenses in the car!

It also increases the fun of peers and becomes a win-win situation! Now this lifestyle is very popular in big cities like Shanghai and Beijing!

Half buy a car, half buy a house.

I will take more than 200,000 yuan as an investment first, and then buy a car two years later. Let's start by accumulating more capital. If you don't need a car on the business field. Don't buy it just yet, personal advice.

Is the income stable? First of all, the car is a consumer product, you have to maintain it after you buy it, if you drive it often, you have to spend about 2000 per month to maintain the car in the first-tier cities. Take a look at it in conjunction with your own monthly income.

If you are single and have no foreign debts, you can also buy a car, and it is personally recommended to ** within 10w. As for the purpose of financial management, it is nothing more than to make money, what is the preservation of value and what is anti-inflation is just a name, and people are more concerned about social hot spots. It is to do less with high risk and high return, and more with low risk and low return.

The exact percentage is determined based on your risk tolerance. It doesn't matter if you say that the 25w is lost, I suggest you buy a lottery ticket and then play 10,000 times.

Personal suggestion: If you don't usually use the car much, or don't particularly need the car, you can slow it first, if you really want to buy, I think 10-150,000 cars are more suitable for you, as for the brand, it depends on your preferences.

In addition, if you need to manage your finances, you can make a part of the steady investment, accounting for more than 60% of the total assets, and a part of the venture capital, accounting for less than 40% of the total assets. I can help you analyze the specific configuration.

Finally, novices who have not been in contact with financial management need to continue to learn and accumulate in the early stage, and often communicate with some friends who are managing or learning financial management on the Internet, I believe it will be of great help to you.

It seems that you have a good tradition of thrifting, and the economic situation is relatively relaxed, without the pressure of urban people to buy a house, and there are no other debts.

According to the monthly income of you and your wife, about 1w, the cost is about 300, plus insurance (about 420 per month) and some other expenses, the monthly net income can reach 9000.

On the other hand, according to the total annual cost of 20,000 yuan from primary school to senior high school for your two children, and you deposit 5,000 yuan in the bank for your children every year, and the interest rate is calculated, from primary school to college graduation (16 years), you need to have about 180,000 yuan in cash in the "education**" (that is, all the money in this passbook is used for your children's schooling). With this account, it should not be a problem for your child's education if there are no other large expenses (such as children going abroad).

In this way, your disposable fixed savings are about 20,000, and the net income minus the money saved for your children each year is about 9,000-(5,000 12)=8,600 per month.

In this way, you should have no problem buying a car of about 10w within a year.

In the future, it will be no problem to spend an average of 3,000 yuan per month for the elderly.

This is just a rough assumption, and you can make changes according to this criterion and your actual situation. For example, you can take risks, such as saving for your children's education, you can also set aside a part of it for a long-term investment (regular investment or something), if you want to.

Also, do you only spend about 300 per month? Is this yours or a combination of yours?

It is recommended that you can choose to buy some first-class investment and wealth management products, which are global hard currencies with the function of maintaining and increasing value, and the risk is much smaller than that of financial products such as ****; The threshold for investment is not high, and it can be operated with 5,000 yuan, which is more suitable for the financial management of the majority of salaried people. If you are interested in this aspect, you can add it to the *** financial management group to learn more about this aspect, which is helpful to yourself.