Family Financial Planning Of "Naked Marriage Clan"

Introduction: in 70s, there were watches, bicycles and sewing machines. In 80s, three large pieces of marriage became fridge, color TV and washing machines. In 90s, three large pieces of gold and silver jewelry were added to it.

With the improvement of living standards, what are the three major pieces of marriage in twenty-first Century? What about three rooms, one hall, a car or a diamond ring?

Naked marriage family

Fang Zhuo is 28 years old and has a private school in Shenzhen after his master's degree.

Because of the rapid growth of housing prices, which has exceeded the purchasing power of the young couple, it is better to marry simply and save some unnecessary expenses, even if there is money in the future.

Therefore, Fang Zhuo and Wang Lingling adopted the popular "naked marriage" on New Year's day. The couple completely got rid of the thousands of Yuan table banquet and the diamond ring of 10000 yuan, and the trouble caused by the house and car for marriage.

In order to enjoy the expectation of life, the little couple are not prepared to have children after marriage.

Fang Zhuo and his wife have regular deposits of 100 thousand yuan and 20 thousand yuan in demand savings.

Now the rent is 1700 yuan a month. When the family gets married, the family sponsor 200 thousand yuan. The old man hopes that the couple can own a house, but the couple two want to have some capital balance after buying a house. They do not want to work hard for a few years, but they have to pay the first payment for the house every day.

At the present stage, two people spend 3000 yuan a month, and two have bought a commercial endowment insurance. Each person pays 900 yuan a month.

Mr. Fang and Miss Wang are both fond of traveling. They spend 15 thousand yuan each year on vacation trips.

Financial management objectives

The two do not intend to have children after marriage. They belong to the "DINK gens".

Without considering the price increase and not adjusting the existing assets mode, the fund of Fang family will be very tight because of buying a house.

It is the core of short-term financial planning within 2 years that we should have our own "little family" according to our parents' expectations, and do not violate the principle of "two couples who give up easy and happy life without material pressure".

The specific objectives are as follows: to fulfill the wishes of the elderly, reduce housing consumption expenditure, arrange for the purchase of their own housing reasonably, protect the quality of the existing life, and plan the future "Ding Ke family" for a better life.