65,438+0. Set aside 3,000 yuan per month for three years, and the total principal and interest due113,494.5 yuan. (it will be used to buy a car when it expires. )

2. Set aside an investment fund of 500~ 1000 yuan every month, go to the bank for risk assessment, and choose the fund that suits you. After three years, the principal will be18,000 ~ 36,000 yuan, which may be profitable or loss depending on the trend of different funds.

This part is different. No matter how much money you earn, you can use it to upgrade your car after three years or not at the right time.

3. The daily expenses of 2000 yuan per month are deposited into the current account for daily use.

Daily entertainment 1000 yuan, daily consumption 1000 yuan (including smoking, communication, clothing, etc. ).

Daily life is divided into clothing, food, transportation, communication and entertainment according to its own characteristics, and the scope of expenditure is clearly defined, and unreasonable expenditure should be gradually reduced. For example, smoking expenses now account for a relatively high proportion of income, which should be reduced from the perspective of financial management and health.

There is no problem in buying a car for three years.

In addition, as your salary increases, you should adjust the distribution ratio of your salary at any time. But if the adjustment is not large, I suggest that you can save this part of the money as a current deposit (not to be mixed with daily expenses) to reward yourself for traveling or buying "luxury goods". After all, you can't just work hard to make money, be nice to yourself!

In short, as soon as you get your salary, you should save whatever you should, and you can only use the money in your current account at ordinary times.