With a monthly income of about 6000 yuan, what kind of furniture looks fashionable and affordable?

An Wenyi

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Nowadays, people are generally under great economic pressure and always can't keep up with the speed of spending money. Many people say that they can't see the figures clearly every month, so they are taken away by the bank. There is no life on this day, only survival. When will this damn life end?

It is far from enough to say that people like Bian Xiao have no house or car.

I'll tell you a friend from my hometown in Bian Xiao first:

In third-tier cities, he earns a little more than 6000 a month. The first thing he does when he pays his salary every month is to put 3000 yuan into the bank card for mortgage deduction, and then deduct 800 yuan to buy milk powder for the baby. If these two big heads are removed, he still has more than 2000 yuan left, and other miscellaneous expenses are basically moonlight. In case of an emergency at home, he will get a negative number this month.

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Then how should we adjust? Bian Xiao is also thinking hard, forming a threesome with other colleagues, and summing up some methods for your reference.

First, adjust the ratio of monthly payment to income.

When the bank lends money, it requires the borrower's monthly payment not to exceed 50% of his income. This is a red warning line, in order not to affect our family life. Young buyers (25-30 years old) can account for 40%-45% of the monthly payment if their jobs are stable, because this age group belongs to the rising period of their careers. To put it bluntly, my salary may rise every year, and I am unmarried or childless, so my family burden is small. On the other hand, it is recommended not to exceed 30%. Having a family costs a lot, and many of them have no budget.

Second, increase fixed income.

First of all, we should do our job well, specialize in business and take the initiative to undertake more business, because a boss prefers to see a generalist. Of course, this person may not be proficient in every field, but it is important to coordinate all departments. Expand your social network, try to communicate with colleagues in other departments, learn more about different positions and roles, and provide reference for your future career development planning. This is also a more pragmatic approach.

Third, increase part-time and sideline jobs in spare time.

The working hours of office workers are very fixed, so you can find a part-time job in your spare time, that is, waiters, leaflets, takeout and so on abound. Most of them are 10 yuan-15 yuan for one hour. Now is the internet age, and there are many channels online to earn some extra money. If you have good writing skills and confidence in your literary talent, you can also be a professional writer after work. You can take the task yourself, or you can join the QQ group to find a "home" that specializes in taking the task. As long as you are willing to write and work, the monthly income of 1000 is not a problem. You can choose to set up a stall on the sideline. You can make a lot of money by buying some trinkets at a very cheap price and carefully packaging them. Or be a driver or something.

Fourth, learn to manage money.

Insist on saving appropriate funds for current or regular periods every month. 500 yuan is more suitable for emergency use and can be withdrawn at any time. It is best to invest with spare money. Once it is temporarily locked due to market fluctuations, it will not affect daily life. Stick to bookkeeping in life and analyze your income and expenditure at the end of the month. Even if you save 6,000 yuan a year in 500 yuan every month, you can still find the right financial products to invest. The financial management here is not only to invest a certain amount of money to get a higher income, but also to deposit it in some financial platforms that can be accessed at any time, and also to get a certain income.

5. Buy yourself an insurance policy.

If you are the breadwinner of your family and most or all of your expenses are on you, you should buy yourself an insurance at this time. An accident insurance with annual coverage of100000 yuan will cost about 200 yuan a year, and a consumer critical illness insurance with annual coverage of 6.5438+10000 yuan will cost about 6.5438+10000 yuan a year. This kind of expenditure is still necessary. After all, the burden of family responsibilities is on you. It is important to buy a peace of mind when you work hard.

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In fact, there are many suggestions, as long as you find a way to make money that suits you and increase your income. There is a very appropriate saying: people, walk fast, know how bad, the important thing is to find a suitable way!

Let's leave a lot of messages to discuss what ways you know to make money. Let's talk about it together. Thank you.

This article is reproduced from a small company talking about financial management, a micro-signal worthy of your attention.