MONEY PLAN FOR PARENTS
Income and expenditure statement:
Monthly income
Wages (after tax) 8000
Project commission (after tax) 3000
Monthly expenditure
Daily expenses (food, transportation, communication, etc.) 2000
Clothing, etc. 1500
Beauty and fitness 500
Continuing education (in-service MBA) 1000
Housing rent 2000
Total income 11,000
Total expenditures 7000
Savings 4000
33-year-old single female, married did not see the dawn of the short term. Because it is home only child, the parents have been retired in his hometown, and I wish to take their parents to Beijing to live, living, look after each other. But a lot of income, but always feel that no savings, no car has no room, deposit 16 million, is more than certificates of deposit. Parents deposit 7 million, has a property, can be sold if the sale of 40 million, if leased, monthly rent of 1,500 yuan. Because from one life into three, want to make financial management more comfortable family life.
Look at your income and expenditure statement and found that the basic income and expenditure is reasonable, but then their parents are now facing the situation, we need housing, insurance, investment, and supplements a number of adjustments to make your life more high-quality family of three .
What live in the house?
If the connection to live with their parents, need to buy or rent more than a two-bedroom house. Buy a house with 90 two-bedroom flat, for example, the average price now is required by 90 × 1.4 = 126 million; according to count down 4 percent, still need 126 × 40% = 50.4 million, now all the money you and your parents only 16 +7 = 23 million, so the house must sell his home before they can pay the down payment. If you rent, then the home do not have to sell a house but rent. Suppose in that city, housing rent amount and price growth in the same proportion, then through the rent of 22.2 years, will recover the value of housing (and the price of flat). However, the Beijing housing price growth in rents and the proportion is much higher than the field, renting is not very cost-effective. Coupled with the rental home to collect rent and take care of existing off-site maintenance and repair problems, very troublesome, considering you have 33 years of age, elderly parents, for a smooth life, the proposed field house to sell, buy a suitable new home, can also better enforce their own to save.
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