My husband and I both have a monthly salary of about 1,000, no health insurance, and one child

According to Warren Buffett, the world's first investor, save 30% of your income and start investing. You must be a millionaire or a multimillionaire in your old age.

But few people can do it.

Oh my God, this kind of life is so insecure! Let him quit smoking and bars, it is good for his body, good for his family, and he can save money, killing three birds with one stone, why not? There are more than 200 left to do a lot of things, and in the future, the cost of the child's school will be greater, tuition, books, sponsorship, and what kind of English class, dance class, ** class, etc., how can you have enough money?

I think I can save as much as possible about my daily expenses. If you can think about saving some money appropriately, because neither of you has health insurance, and the cost of the child will be very large, but your salary is very low, and you have to pick money between your teeth.

His money for cigarettes, alcohol, and mobile phone bills cannot be deducted, otherwise, he will rebel.

I can only try to open up sources and reduce expenditure from other aspects.

That's how life is. Don't be unconvinced. Unless you don't want family peace.

Diligence and thrift. Good seniors.

Hats off to you. I don't know.

I'm also learning about this ......

If you can save it, you can save it, but the flower will be a flower.

Don't shed tears in the wind, do you want to play with your child?

What do you take your children for? Computers? Learn everything.

Children are raised like you, even if they have good grades, they don't know what real life is It is recommended that you go and watch "Growing Pains".

In fact, it is understandable that men smoke and drink. It's just that he doesn't seem to have that kind of life pressure now. The two of you add up to only more than 3,000 yuan a month, and in addition to normal living expenses, (of course, I don't know what your standard of living there is), there may be a balance of more than 1,000 yuan.

This is when neither the child nor the adult is sick and there is no treat. However, if a child has a small cold in a month, a friend's birthday, etc., it may be very tight. When an adult gets sick again, it's a bit of a headache.

So, you can analyze the situation to your husband, or let him take care of the economy. Ask him for money for everything, and he himself may soon realize the problem. My husband used to spend at least 1,500 yuan a month on cigarettes, and with transportation for treats, he easily spent 7,000 or 8,000 yuan a month.

Coupled with family expenses, there is no way to live without 10,000 yuan a month. At that time, there were no children, and later, let him take care of the money a few times, and he himself knew how to save. Both of us have bought enough commercial insurance, and it's okay.

Of course, you can give your child a juvenile talent insurance, he will pay a certain amount of insurance money when the child reaches school age, and will pay a certain amount of insurance money when he is 18 years old, and now life insurance companies like this will have it, but if it is similar, it is best to be in Chinese Life, because it is the strongest insurance company in the past.

There is money in the salary card, but the medical insurance has not deducted the money, which is okay.

The medical insurance can be continued within three months.

You can deduct this situation together next month.

If you haven't deducted the money next month, go to the Social Security Bureau and ask.

It should be caused by special circumstances, and there is nothing wrong with it. You can consult the Social Security Administration.

Can't, what I use is my own, my husband's unit paid him maternity insurance, but he can't use it, and he also asked him if the male in the unit can be reimbursed and the unit says no. Explain that male siblings pay maternity insurance for women! But you can't enjoy it yourself!

1. If you do not participate in medical insurance, you cannot be reimbursed for maternity insurance. If you participate in the resident medical insurance, you can be reimbursed, and the hospitalization can be done as long as it is a designated hospital for medical insurance, and there are no local restrictions. And your husband is enrolled in maternity insurance, you can claim the cost of the care period.

The specific amount that can be reported can only be determined after the review of the local social security agency.

2. If you give birth to a child after a year, the monthly medical insurance paid by the individual does not include maternity reimbursement and cannot be reimbursed. Only those who are insured by the unit can participate in maternity insurance, and only the resident medical insurance can be reimbursed by individuals (the reimbursement ratio is about 10% lower than that of employees). Those who participate in medical insurance can only be reimbursed for drugs that meet the "three catalogs", and self-financed drugs cannot be reimbursed.

Medical insurance spouse birth seems to be reimbursed 50%, that is, half of the cost, we are like this in Xi'an!

50% reimbursement for spouses, medical insurance is to cover diseases, and childbirth is not considered a disease!

How is it not legal, then how do you understand it, some places are 30 years, some are 25 years, some are 20 years, this is told to you when you retire, this is all computer data.

Sickness and retirement pay is calculated for ninety-three years. Whether it is legal to make up for ten years of medical insurance, it is recommended that you go to the social security center where your household registration is located to consult your affairs in detail. Then you can get the right answer.

Medicare should be paid up to the normal retirement age.

Brother Bao said insurance, focus on insurance evaluation! What insurance should you buy for a 28 year old? You can take a look at this article:

The idea of buying insurance at the age of 28 is relatively good, the overall physical fitness is higher, not only the premium is cheaper, but there are also many types of products to choose from. To sum up, let me introduce to you what kind of insurance you should buy at this age.

1.Social health insurance.

Social health insurance is what we have to buy first. As we all know, social medical insurance is a benefit given by the state, and it is recommended that you purchase social medical insurance. Social medical insurance advocates the purchase of the whole people, so it is also close to the people.

2.Critical illness insurance.

Critical illness insurance is one of the types of commercial insurance that you are recommended to buy. First of all, let's take a look at the following set of data, in recent years, lung cancer has shown a trend of younger and younger, and the youngest patients are in their teens. Moreover, the incidence of lung cancer is higher in men than in women, and the incidence of lung cancer has increased rapidly since the age of 35.

Therefore, we should pay attention to critical illness insurance products, and don't think that our body is still healthy and take chances. The sooner you buy critical illness insurance, the cheaper it is, so it is recommended to allocate critical illness insurance as soon as possible.

3.Commercial medical insurance.

Many people do not understand the relationship between commercial medical insurance and social medical insurance, but in fact, there is an essential difference between the two;

To put it simply, commercial medical insurance is a supplement to social medical insurance. If there is a small illness, the use of medical insurance can indeed deal with it; But if it's not just a small problem, and social security only reimburses 40% of the medical expenses, the rest of the medical expenses need to be borne by yourself, for the 26-year-old young man who has not been out of the society for a long time, this money is not a small amount of money;

In this case, the role of commercial medical insurance appears: the part that is not reimbursed by social medical insurance is the part reimbursed by commercial medical insurance, which alleviates the economic tension caused by medical expenses.

Here it is recommended that you buy millions of medical insurance, mainly because it is cheap, only hundreds of dollars, you can get millions of insurance amounts. Second, its insurance content is relatively rich, including surgery fees, examination fees, anesthesia fees, etc.

4.Accident insurance.

Accidents can happen to anyone, and accidents such as traffic accidents at the age of 28 and accidents such as accidentally falling and injuring yourself on the road can also happen. Buying an accident insurance for yourself is also a peace of mind, and the minimum for an accident insurance is 100 yuan.

The reimbursement ratio of medical insurance in the same region is the same, and the local regulations are basically that the spouse's maternity insurance can be reimbursed if the woman is unemployed. In some areas, even if the woman is unemployed, she cannot be reimbursed by the spouse's maternity insurance.

Yes, as long as you have health insurance, you can be reimbursed.

Because your son is still young, if he grows up, he will also need to pay medical insurance. In fact, it should be okay if God takes him to be young, and if he needs to be hospitalized for any illness after handing over the medical insurance, it is okay.

Ask your accountant directly, and he will give you a more reasonable explanation.

Urban and rural medical insurance are paid by individuals, no one asks you to pay, if you don't pay, it's your own problem.

You can go to your local health insurance bureau or social security bureau to consult this question, I think your son's health insurance may have to be paid at school.

My county's county is guaranteed, why is it only me and my husband who hand over my son? Then to say that your son is very small, no.

Urban and rural medical insurance, the state has a policy, you or go to your local village committee to consult. They will explain it to you.

Why is it only me and my husband who want to teach my son because your son is in school, and you can pay it from the school.

The reimbursement process of maternity insurance refers to the procedure for the employer and the employee to reimburse the maternity medical expenses, maternity allowance and other expenses of the female employee during the childbirth period, and the nursing leave and leave allowance of the male employee during the childbirth period to the overall regional maternity insurance. The specific process is as follows:

Application materials to be submitted by the employer:

1. Social insurance registration form;

2. The increase and decrease table of personnel participating in basic old-age, work-related injury and maternity insurance;

3. Summary table of basic pension, work-related injury and maternity insurance declaration for enterprise employees.

Application materials to be submitted by female employees who give birth:

1. Family planning certificate issued by the family planning department (original and photocopy);

2. Birth (death) certificate of the baby issued by the medical department (original and photocopy);

3. ID card of female employees who give birth and employees of family planning surgery (original and photocopy);

4. Examination and collection form of maternity medical certificate for enterprise employees;

5. Application form for medical certificate of family planning surgery for employees of enterprises;

6. Application form for reimbursement of maternity medical expenses for enterprise employees;

7. Approval and settlement of maternity insurance benefits for enterprise employees;

8. Application form for foreign medical treatment of maternity insurance for enterprise employees;

9. Original materials such as maternity medical expense bills, expense lists, outpatient medical records, and discharge summaries;

10. Receipt of payment.

There will be no reimbursement if you don't apply for medical insurance, this can't.

If the husband is an employee who has participated in maternity insurance for one year, his unemployed spouse can enjoy the maternity medical expenses of maternity insurance as long as he or she gives birth in accordance with the national family planning policy.

Legal basis] Article 53 of the Social Insurance Law of the People's Republic of China stipulates that employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with national regulations, and employees shall not pay maternity insurance premiums.