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After the first section of financial value: four female college students to buy a house Road

Chen Chuting's income is not high among the students at the university, the monthly income of 4,000 yuan can only be considered in the next; Chen Chuting not stingy with classmates and friends will be rushing to pay for dinner, or AA ... ... However, she graduated 4 years more independent of saving enough to buy a house down payment, and many earn more than before her classmates bought a house, so someone else by surprise. Chen Chuting

successful financial management experience summed up, she comes down to: playing safe, after the first section of financial value.

save money, save as However, after graduating from high school, from small things to not apply for an orderly Chen Chuting Teachers, choosing instead to her that the most suitable for their own accounting. In 1995, she was admitted to a South China University studying Accounting.

alone to Guangzhou university Chen Chuting also, and all students entering the university gates, like the beginning of the Guangzhou University of fantasy life: school, staying in the library, watching movies, shopping, shopping ... ... However, the difference is with the students, she planned to do everything in nature is - at home and a lot of pocket money to her, but she still would have written down every single cost to the end of the month and then sum up once, to see which expenses unreasonable.

habit for her,[link widoczny dla zalogowanych], her boyfriend, a student at Jinan University, Bin Zhang Department of Chinese love-hate relationship, gave her a nickname A reading with Stephen Chow's br /> However, the genius type of his natural life, free Zhang Bin, is what she loved it.

1999 年 7 months, Chen Chuting after graduation, in a large shipping company in Guangzhou City, found a job, and Zhang Bin is admitted to a graduate student studying in Sun Yat-sen.

before graduation in Zhang Bin,[link widoczny dla zalogowanych], do not need to be available for home financing house to get married.

end, engaged in financial work, banks are more familiar with Chen Chuting began her

the first year of graduation, Chen Chuting income is not high, only 2,400 yuan a month after tax. Her work during the day in the South China Sea Branch,[link widoczny dla zalogowanych], including lunch, at night the car ride back to Guangzhou, the company, lived in company dormitories near the Pearl River Film. Quarters not fully free, 200 yuan per month to pay the rent and management fees; from under the company's car, also need to take the subway 3 per can to the quarters. All told, she spent a month's expenditure on accommodation and transport about 350 million. In order to save cost of living, and she usually cook their own dinner, or to a nearby cafeteria, Guangdong Institute of Education to buy lunch box to fight to eat, on average about 6 yuan per day, 180 yuan a month.

as the company bought social insurance, she did not buy commercial insurance.

In addition, she has been working, and Zhang Bin with her out of the general overhead, plus their usual shopping, entertainment expenses, the monthly repayment to spend 400-600 yuan.

this way, Chen Chuting per month to 1,300 yuan to 1,500 yuan left. Set the previous two months enough of a number of consumer goods, from the first three months, she has a monthly salary will be money left over into the year before on a regular basis. Such as maturity of these deposits, if she took out a large consumption plan with no deposit and interest will be removed when you dump a year on a regular basis.

through this

find themselves irrational spending habits

2000 年 9 months, one year after Chen Chuting to work, wages rose to 3,000 yuan after tax can get more than 2800 yuan.

pay more for nearly 500 yuan, Chen Chuting has made a decision: In addition to the monthly increase of 300 yuan deposit, but to their own increased costs for the cost of 100 yuan, to spend 1,000 yuan for Zhang Bin Buy a commercial health insurance, doing is 100 per month.

and ordinary girls, Chen Chuting also have the habit of shopping or go shopping, every week to a nearby supermarket several times, nothing like the weekend visiting the Beijing Road Shangxiajiu, Zhang Bin did not empty, her own or find a girlfriend to go with. However, she is still very planned, prior to each purchase is good and then put into practice. When there is no plan not to buy anything,[link widoczny dla zalogowanych], just shopping.

time, Chen Chuting in bought a winter jacket and found my wardrobe does not fit the box has a large volume of clothes. When sorting out those clothes, but found that it has been a lot of clothes through.

Chen Chuting suddenly wake up, although he has a plan before each purchase, but the beauty of nature for a girl, her plans clear preference for the clothes. It is unreasonable, after she decided to reduce the money spent on clothes.

decision for her best girlfriend and not in favor of: your clothes much less than I do, girls like to dress is perfectly justified Yeah.

Chen Chuting smiled, said nothing, thought: after I finish my program,

began to property value

2001 年 7 months, was promoted to a job well done Chenchu Ting financial vice president, the monthly income to 4,000 yuan. But this time, her bank deposits reached 35,000 yuan.

of the initial savings, the Chenchu Ting decided to give their deposit value. Just issued by the State treasury bonds, bank some experts, in consultation with her, decided after the three-step financial plan: All deposits of 35,000 yuan to purchase three-year treasury bonds; wages increased around 2,600 yuan a month for the rest, save 1,600 yuan per month on a regular basis, while the rest of the 1,000 mutual funds to buy fixed times, deducted directly from your account.

Chenchu Ting decided to do, is based on the considerations: bank time deposits maturing each month, to meet some unexpected expenses; intend to buy a house in 2004, when a three-year treasury bonds just expired, and buy government bonds to guarantee income; greater risk mutual funds, but the average income is relatively high, up to 10%. Combine all three, both to add value, but also can reduce the risk.

Chen Chuting in a step by step to achieve their own In addition to leaving the costs to guarantee the quality of life, the usual friends and go to some consumers will not high dining, entertainment consumption, the company made a festive holiday event of fees or encounter welcome, she would have to yourself, boyfriend buy some gifts, or special reward yourself. But, these are her

to July 2004, Chen Chuting the debt due, plus interest income, a total of more than 38,000 yuan; bank deposits of more than 60,000 yuan; mutual fund sold, too, 40,000 yuan.
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