In a person's lifetime, he cannot avoid the occurrence of marrying a wife and having children, and giving birth to old age and illness and death. And when I had the baby. How can my wife and I do a good job of family financial planning, and more importantly, how can we alleviate the financial burden of the family?
Let me tell you about the financial burden of raising a child. The first step in raising a child began the moment my wife conceived the child. The cost of various tests before and during pregnancy, my wife's nutritional products, production costs, etc. After the birth of the child, if my wife does not have breast milk is not to buy milk powder milk powder, then according to our Yunnan here medium level even if a barrel is about 300, 3 barrels per month, a year cost of 10800 yuan, diapers are not cheap, casually buy a few packs, a few thousand are gone, the child does not want to get sick or something, if you are sick is not to enter a hospital less to say a few thousand. Then there are the children's clothes, toys, carts, all kinds of toiletries... The expenses "rubbed" and came up. Not to mention that some of the usual headaches and brain fever are not counted.
When my son was old enough to go to school, during the kindergarten period, in addition to tuition, he also had to add the cost of meals, the cost of nursery school, and the cost of living and learning supplies. After attending primary school, although the tuition fee for compulsory education is not much, the cost can be eased. But this year, everyone is not popular to participate in a variety of cram classes, interest classes, after all, the competition is fierce, parents do not want to let their children lose at the starting line. Tuition, training, living expenses, extracurricular activities, pocket money... All added up, from primary school to high school, a full 12 years, it is estimated that conservative is also 200,000 or 300,000.
Stay up to the age of the child's college, if it is an ordinary public university in China, the annual tuition fee plus accommodation fee is about 6,000, plus the monthly living expenses, it will be about 100,000 in four years. If the family conditions are good, it is not considering studying abroad, and the tuition fee is even more out of reach. Many friends who are doing it think that the costs I listed add up to a full calculation, and raise a baby no less than 500,000 in the case of no increase in prices. Then if you count the children after getting married and buying a house, and then there is the national open three-child policy, I still want to have a second child not to let the boss be so lonely, is it necessary to find someone to take care of me and try to make money, why contemporary young people are afraid of marriage, in fact, the most fundamental reason is that they can't afford to raise. And my nun is in Yunnan bride price is not too expensive is the parents to pay money, my mother often said that as long as you raise your son is good. In fact, carefully calculate that each of the expenses in this is not a small amount. No wonder everyone now feels that it is easy to have a baby, but it is difficult to raise a baby. In particular, it is difficult to raise two sons without a wife after 1 million.
For a family like ours that is not very wealthy, I have a few suggestions for everyone to take a look at if there is a supplement, please leave a message to thank you
First of all, of course, it is necessary to open source and reduce expenditure, and the single revenue channel is bound to increase the probability of risk occurrence. In case the industry is unstable, if I am unemployed, it is likely to put my family in a difficult situation. Just like what has just happened to us in Anning for a long time, because a student of metallurgy has caused most of the shops in Anning to close, and some practitioners can only stay at home. Don't these people have the pressure of life? Aren't they parents? Don't they have the trouble of mortgage and car loan? Many college students have also posted on some platforms to be kind and tolerant. What I'm trying to say is that when you don't have the money to pay off the bank loan, the bank will say that because of the epidemic, we can wait? Or do people not use GPS positioning to tow the car away when they don't have money to pay off the car loan? What I want to say is that I don't know the suffering of others, don't persuade others to be good. Some directly made a picture of 'I don't love many cities, Banna is the only one I have to go over the wall', I want to say that in the end, the students climbed the wall, and there was no more peace. So there are some risks and accidents that we simply can't catch off guard. Here I still recommend that you should open up a variety of ways to make money as soon as possible, and adjust the allocation structure of family funds as soon as possible. In addition, it is necessary to do a good job of throttling, save some unnecessary expenses, and it is best to spend money on the bones. On the basis of ensuring the normal life of the family, do a good job in preserving and increasing the value of assets, after all, it is impossible for prices not to rise.
The single revenue channel is bound to increase the probability of risk occurrence
It is also necessary to formulate long-term and reasonable planning. From kindergarten and preschool to a child going to college and graduate school. The cost of education is undoubtedly the biggest burden on raising children. In the face of high education costs, we should set up a children's education fund as soon as possible, allocate a separate fund, and launch a savings plan. The purpose of the education fund is to prevent the assets from being affected by inflation, and the second is to allow the money to play a role in the future and offset most of the economic pressure. The village north mode of the education fund requires stability, can not bear too high risks, on the basis of ensuring the safety of the principal, and then pursue returns, adhere to investment, use the compound interest multiplier effect, and allocate some fixed income products. And I bought our company's annuity insurance, because I was afraid that the insurance agent would make my money and left, I joined the insurance company, and while understanding the product, I wanted to share the good things with everyone.
Proper allocation of insurance is very necessary, the child is young, poor resistance, often have a variety of headaches and brain fever small problems, so buying insurance for children has always been a thing that my wife and I pay attention to. But the more insurance you buy for your child, the better. For children of different ages, the focus of insurance is different, especially in the case of limited budget, priority should be given to health insurance, giving priority to protecting the most likely risks. For example, poor resistance in early childhood, easy to suffer from epidemic diseases, the configuration of medical insurance is indispensable. When children are energetic, naughty and active, and prone to accidental injuries, they should appropriately increase the investment in accident insurance at this time.
As the old saying goes. "The boat to the bridge is naturally straight". Raising a baby is difficult, but if we all do a good job of family financial planning, we can also provide our children with a high-quality life and protection. At the same time, here I pay tribute to every parent who silently guards the growth of their children, and it is with your calm love that I give my children the strength to grow!