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可爱的宝宝诞生了,家里平添了更多的欢声笑语,可别小看了这小人儿,一年的费用还真是一笔数目。尿片、奶粉、玩具、书籍、早教……样样都不能缺。如何优化利用这笔开支,成了现代家庭理财的一个大学问。今年我们将特设理财栏目,每期邀请理财师针对一个家庭案例,提出具体的理财建议,优化设计,开源节流,为宝宝创造最优质的生活。让我们相约在“理财起跑线”。案例:潘先生今年32岁,为国家公务员,太太是教师,家有小女5岁。潘先生年薪50000元,太太年薪40000元。家庭月支出1000元,月还贷2000元;目前有住房两套:市区自买房106平米自住,市区按揭商品房46平米,合计市价70万元左右;银行活期存款1万元,房贷余额13万元;单位参加“三金”外另买商业保险每年4000元;目前无任何投资渠道。
Adorable baby was born, adding more laughter at home, do not underestimate this little man, the cost of a year is really a sum. Diapers, milk powder, toys, books, early education ... ... everything can not be missing. How to optimize the use of this expenditure has become a modern family financial management university asked. This year we will set up an extraordinary wealth management section. Each period, we invite financial planners to propose specific financial advice for a family case, optimize the design, increase revenue and reduce expenditure, and create the best quality of life for the baby. Let us meet in the “financial starting line.” Case: Mr. Poon, 32, is a national civil servant and his wife is a teacher. His family has a 5-year-old daughter. Mr. Pan annual salary 50,000 yuan, wife 40,000 yuan annual salary. Family monthly payment of 1,000 yuan, the monthly repayment of 2,000 yuan; there are two sets of housing: the urban area to buy a house since 106 square meters, 46 square meters of commercial mortgage housing, the total market price of 700,000 yuan; bank demand deposits 10,000 yuan, mortgage balance 130,000 yuan; unit to participate in the “three gold” outside the other to buy commercial insurance 4,000 yuan per year; there is no investment channels.