[問題] 30歲夾心族理財規劃
我和先生是30歲左右的夾心族,目前沒有房子和車子,
目標是把將要出生的寶寶照顧好,並在能力範圍內多存點頭期款跟銀彈以備不時之需,
以下是目前的收入與支出情形
想請問各位高人還有沒有可以節流的地方(要開源恐怕比較困難)
收入:共90000
支出
1.先生(在外地工作)租屋花費:5000
交通費:2000
生活費:7000
2.父母孝養金兼保母費(含尿布奶瓶裡裡摳摳):15000
3.我的生活費、交通費:10000
4.保險部分(每年)
先生防癌險+醫療+意外險=25000
我的防癌+醫療+意外險=20000
我的儲蓄險=175000
平均每個月支出18000左右
(很幸運的我現在住公婆的房子,不需要付到租金或水電,很感謝他們)
這樣加加減減後每個月還餘33000左右
因為寶寶未來出生後還打算替她買保險,加上還要付房子頭期款
這33000付完以上兩項支出之後幾乎就全部打平了,很難再存到錢
想請教板上各位高人還有沒有什麼地方能夠再更動~~謝謝
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