There are many comments on these two things on the Internet. Some people say they shouldn't buy a house, some say they shouldn't have a second child, and some say they shouldn't resign on impulse. Before fully understanding the ins and outs of the incident, Bian Xiao stopped analyzing too much, but found an interesting phenomenon: in these two incidents, the husband worked full-time and the wife took care of the family full-time. In fact, whether two people go to work, or one goes to work and one is full-time, it is personal freedom and understandable.
1. Liabilities cannot exceed 50% of income.
The liabilities here include mortgage, car loan, rent, credit card debt and other debt expenses, that is, expenses that occur regularly every month. Debt expenditure is not like daily living expenditure, and there is no room for bargaining and compression. Once the repayment is not made on schedule, it will affect personal credit and may even lead to nowhere to live and homelessness.
Obviously, these two situations do not meet or even far exceed this standard, so when a person suddenly loses his job, the whole family's life will be in trouble immediately. Let's restore the situation of applying for a loan from the bank. The bank will require your monthly income to be more than twice that of the mortgage, that is, in order to prevent the sharp drop or even interruption of your income, the loan will not be repaid immediately.
Of course, this indicator does not have to be 50%. You can also set a safer standard yourself, such as 30% and 40%. If the monthly debt is 1000 yuan and the husband's income is just 20,000 yuan, then the risk of the wife choosing a full-time job is a bit big.
2. Reserve an emergency reserve fund for 3-6 months.
At this time, contingency reserve arrangement will play a role. Anyone who has applied for financial planning should know the importance of emergency reserve fund. Generally speaking, we need to reserve funds for 3-6 months in case of accidents, such as unemployment.
If you spend 654.38+100000 per month, you need to reserve 30,000-60,000, which can be put in money funds or current wealth management products to provide a certain buffer. When accidents or unemployment suddenly happen, this money can help us tide over the difficulties. Three months, whether looking for a new job or selling a house, may be enough, at least we won't be afraid and flustered.