Monthly Income Is Only 2800&Nbsp; How To Manage Assets For 5 Years

In September 24, 2010, I dreamed of achieving my goal in 5 years. family property A million cash flow is 10 thousand / month.

My current balance sheet.

Assets:

Elevator room, 94 square meters, 2 rooms 2 hall. It was completed in 07 years. 120 thousand Renovation Household appliances. Valuation 500 thousand.

Chery purchased in February A32010, mileage 9K km. Valuation 70 thousand.

　　 Liabilities :

My parents are 30 thousand. 45 thousand in law. Elder sister 40 thousand. A total of 115 thousand.

The bank has 77 thousand loans. A total of 192 thousand.

　　 net worth :

57-19.2=37.8 million.

The asset liability ratio is 33.68% and the normal value is 50%. It can also increase the role of economic leverage.

The balance sheet is not bad. But the cash flow statement is not satisfactory.

Cash inflow:

Wage income: 2800*12 months =33600

Part time income:

Cash outflow:

Baby milk powder:

Baby seedlings:

Baby daily necessities:

Food:

Favor:

Transportation and communications costs:

Insurance Expenditure:

Net cash flow:

I can't bear to figure out such a bad cash flow statement. Hastened life is very tight. {page_break}

First, I want to study stocks and funds with my husband. Because it is a very fast investment mode. It is also a suitable mode for small capital investment.

First pay yourself, then leave 30% of the income, divide the money into 3 accounts: investment account (10%), charitable or Donation Account (10%), savings account (10%), investment charitable savings.

"First, we need to invest, so we need to set up an investment account. Secondly, we think we should first take it back, so we set up a charity account for donation. Third, set up an ordinary savings account in case of a rainy day.

We plan to establish a positive cash flow way of "high quality assets":

　　 shares The Fund:

We plan to use 1 thousand yuan as starting money to study the stock fund's earning pattern.

Invest less money. The first reason is very obvious. If you put in some money, you can really enter the game. Before that, everything is just a piece of paper. Second reason: a small amount of money means a small risk. A large sum of money may take a lot of risk. The third reason is whether you are more interested in this investment after investing in funds, and learn from the stock fund's investment profit model. Learn by doing.

Real estate: future plan.

Before I saw a house of 40 square meters near my house, near the subway entrance, the total price was 255 thousand, the intermediary fee and transfer cost were 10 thousand. The total is 265 thousand. The rent is 1000-1300, which can be rented out in that month, and the intermediary is 1000 yuan per month.

After more than 70 thousand of the mortgage, the total mortgage price will be 500 thousand and the bank loan will be 265 thousand. Buy this rental house. 1000 monthly rent.

But I have just calculated that 265 thousand loans are still in 30 years, and the monthly supply is 1578.6 yuan.

That's how it works. Is this really not a set of houses that generate positive cash flow?

What do I do? Is the cash return rate of this house too low? Or is it not my way of financing, and the interest is too high?

Because it is the second set of investment houses. So what I choose is the interest rate ceiling in December 23rd of 08.

That is, the discount rate of bank mortgage loans.

XDJM, let me see if there is any problem with my calculation. How will the investment be carried out?

A friend said to me, "

Your monthly supply is almost fixed. And your rent is going up.

Your house has almost no capital of 1 cents. Generally, it has to pay a down payment, and then the rent will pay interest.

And the house is still rising.

So investment is an absolute positive cash flow.

Every investment will not be smooth sailing. Faced with difficulties, we must find ways to solve difficulties and reduce risks. We need to buy a few dozen dollars and compare it again and again. Not to mention the hundreds of thousands of investments. So we need to collect more information and information. More consultation and comparison.

More future plans. The investment house, which is purchased by 26.5 yuan, will be mortgaged and continue to lend with the bank. A real estate or other business that can generate positive cash flows.

Business: acting as a brand manufacturer in Foshan.

Everything is difficult at the beginning. The key is how to start it.

First, ensure the normal household expenses. You have to work hard to increase your income and continue to work part-time.

Two, reduce expenditure. As soon as possible, also finished 77 thousand of the housing loan principal. So we have the first start-up capital to invest.

By the end of the year, any part-time money will come back, and 5000 of this small project. Then look at the bonuses at the end of this year. If not, ask the company to advance tens of thousands of dollars. This is a must. The boss should promise, and then gather together about 100 thousand yuan, so we will pay off the mortgage first. Then you can have a 1,2 balance for daily expenses. Then we can start our plan. Start an investment account, first take 1000 into the stock market to learn.