I just got a job after graduation, how to manage my finances, in order to buy a house

The housing provident fund can lend 70% of the house price, and the interest rate is. According to your current salary, a 3-year down payment is probably enough, and a mortgage with a loan term of 20 years should be resistant. There's no way to make a down payment, let's gnaw at the old age, see how much the family can help you, or let your wife come over with a dowry, hehe...

Personally, I think that a house is a big thing in a lifetime, and only with a house can you have a stable home. It doesn't matter if one person rents a house, two people can still get along for a while. When you get married and have children, it is not realistic to rent a house if you want to live together, especially if the children grow up day by day, go to school, and live with their parents, which means that you have to buy a house.

If you bring it to your parents, it doesn't matter if you buy a house or rent it. The key is that your significant other agrees.

The salary is 3,800 yuan, I don't know what your living standard is, and what your monthly expenses are. In fact, like your current salary, you have to pay off the mortgage. The key is the down payment, the house will only go up more and more, and the speed at which you make money is not as fast as the rate of interest in your bank.

Don't be in a hurry now that you have just graduated, you must work hard first, stabilize your job, and buy a house as soon as possible if you have a partner, or when it is time to talk about marriage. It's always better for two people to be together, two people should gnaw on the old man and get the down payment first, and then live by themselves. You can also save money for a year or two and take some money from home to make a down payment.

In the future, you can repay the loan by yourself. Don't go more than two years.

The house is a big deal, don't act rashly. Personally, I think that there is a time to buy a house, and it is best not to buy a house before the age of 30, otherwise you will be trapped by the mortgage, and you will not be able to start a business, which will seriously affect your quality of life in the future.

Young people's first income is generally not high, and any one expense in life can consume all of their salary.

If you don't want the money to be spent quietly, what are the other ways to make the laughing money return in the long run?

1. Savings. Saving money is a very important thing for everyone. Don't think that you can spend less money casually, saving is a process of accumulating small amounts, and all wealth depends on accumulation.

Saving is the first step to financial freedom for many people, and it is the most basic and important stage. No matter who wants to achieve passive income of "money makes money", they need to have the blessing of principal, and saving is to accumulate principal. Many people's "first pot of gold" is saved by themselves.

The order in which you save money is very important, and many people spend it until the end of the month, and how much they have left to save is often left every month. If you change to save first and spend later, salary, fixed savings, and disposable funds, you may find that it has no impact on your life, but the account balance is slowly increasing. For young people who have just stepped into the society and got their first income, it is a good idea to start with 10% of their income.

In addition to bank deposits, less risky currency ** products are also a good place to save money, and the key is to develop the habit of "only in but not out".

2. Self-investment.

If your income is not high, you should plan well to spend your money on **, don't eat and drink, you can give priority to spending money on your wish list, those things that can help improve your own advantages. For example, take a course, take a certificate, buy a computer or mobile phone that can improve your productivity. The programme can provide more choices and preparation for future professional life; Certificates can improve their competitiveness in an industry in the future, and in some industries, certificates are directly linked to income; Good performance office equipment can make one's work twice as effective with half the effort, these aspects seem to cost money at the moment, but in the long run, it can help individuals improve their earning power and appreciate themselves.

Of course, it may be that the balance of one month is not enough, and it takes a period of accumulation. Since the conditions do not yet allow for throttling, then spend the money where it can be open source.

3. Insurance. The usefulness of insurance is that it can pass on the financial losses caused by the risk and keep the money bag that is not full of Sun Ming.

With the huge pressure of work and endless nights, young people don't know which will come first, tomorrow or accidents, and they don't know when the disease will break out. Even if it seems to be a well-off family, it may be dragged down by any accidents, illnesses, and medical expenses. Therefore, the more you lack financial ability, the more necessary it is to match yourself with insurance.

Of course, you must configure it correctly according to your actual situation and ability to pay, and don't follow the crowd, there is no wild product suitable for everyone.

To a certain extent, insurance cannot avoid the occurrence of risks, but it can solve the worries after the risk, and you don't have to think about the problem of what the risk will come, just work hard and enjoy the moment.

For young people who have just started to earn money, saving enough "money to spend" first, and matching "life-saving money" is the king.

First of all, for young people with a monthly salary of only a few thousand, the first thing to do is not to think about how to invest and manage money, but open source, that is, how to improve their income, how to make money, and how to open source?

You can put yourself in an industry that has a future and can allow us to earn more income from it, or you can increase our passive income, which is a side hustle. How to find a side hustle? It depends on what you are good at, and what kind of specialty you can create income for yourself, such as writing, short videos, playing games, etc.

The second key is to control their desires, to avoid overdraft consumption in advance, the development of the mobile Internet, to facilitate the life of each of us, go out a mobile phone can almost get all the expenses of the expenses, when you meet the things you like, you will buy them, if you don't buy them, you will regret it, many times you can not suppress your desire to shop, the money in the bank card is not enough, as well as Huabei, white strips, credit cards, installments, etc., in fact, the interest on these loans is relatively high, and this vicious circle in the long run. Naturally, the cost is more.

The third point is regular savings, savings can be emergency at critical moments, we will inevitably have some urgent need for money in our lives, regular savings of money is very important, we can take out about one-tenth of our income every month for regular savings, through their understanding of financial products, you can choose to buy some financial products or send only pure to do ** fixed investment, maybe it can also bring good income.