Careful calculation and strict budgeting plan to go abroad working-class feel fine on the hard road

Master of study abroad, parents, but only 400,000 yuan of savings, she can not take place? Hit zero down payment to buy Dongshan Bank cards quickly Safety Q-for-money Q phones to communicate without limits of age Magic Show do not miss the chance expression of feelings Guanzhongkuibao perspicacious QQ Xiu Xiu really a personality self - Experts said that the national good, professional, or can it! In September, little Tommy is a senior secondary. Like all of us, she is faced with a choice of jobs or continuing their education? Now the domestic undergraduate students less and less optimistic about the employment situation, and the school's own professional education is more popular. Tom small would like to study abroad in 2012, to obtain a master's degree in accounting and then return to employment. Paishang students to the real calendar, little Tommy found a lot of issues to be considered. In addition to the choice of countries, institutions and professional, the most important thing is to study the issue of funding: parents are ordinary workers, there are only funds available for home Sansishiwan. Using this Sansishiwan yuan, if the reading of 1-year master's degree courses, but afraid to adapt to; but the 2-year tuition and living expenses are afraid they can not afford. Reporter Notes Break with both hands with fingers Operators, there have been three primary school students, seven secondary school students and two university students studying abroad this. Often chat with friends, heard Shuishui also read out. All along, that study is a luxury projects. In fact, from a study to determine the direction of the preparations for the funds overseas to fight, every step needs careful calculation and strict budgeting. The money, not necessarily to study, on the contrary, too much money can not necessarily go smoothly. Of course, no matter how new sources, to study the suitability of the investment in the end, depends on whether the school have achieved, whether the input into output. Tang small information --- Learning Senior students in reading, the former 6 term average of 82 sub-branches; has IELTS test, the score of 6 points. Economic --- Parents are still working. Father was a doctor, a monthly income of 6 thousand dollars in annual salary of about 80,000 yuan; mother is a teacher with a monthly income of 4 thousand dollars in annual salary 5-60000 yuan, little Tommy, I have no income. Parents have a name for more than six months time, for a total of 300,000 yuan; demand deposits have 260,000 yuan. Sanshiyiting own, car-free. Father 130,000 investment in the stock market. Said the study consultants Why small soup for Australia to study As opposed to reading at home, the cost of studying abroad is not a small number. Tom's family since childhood circumstances, although household income is not large enough, but more stable income. In addition, the house has, time deposits and certain investments. Parents can be made available to small soup of the cost of studying abroad, while small, but if the right to choose, careful calculation and strict budgeting, little Tommy can still reach a successful study of dreams. --- Choose how to save money to study national and professional Students, in addition to consideration of their favorite professional schools and, starting from its own financial capacity delineation of the target is an important step. Have sufficient financial strength to support the option, of course, the United States, Canada, Europe, Australia, Japan and other countries to study. These countries have a developed economy and advanced education. But for those "very difficult", choose those with advanced education in the world, and a stable social environment and better living conditions in developing countries or regions of the study (such as South Asia, Oceania countries). To the study of these countries, there are three major advantages: First, the professional school curriculum with international practice, or widespread international recognition of diplomas; Second, in addition to a study of professional programs, but also a skilled master a foreign language; Third Low cost. The study of these countries to study the cost of living, the only developed countries to study the equivalent of three to one-fifth of the cost. 0000 prompted reporters Britain to the professional accounting master's view, tuition fees, living expenses and miscellaneous expenses add up to at least a year to 17000-22000 pounds (1 pounds = 15 yuan) between. Master degree in accounting coupled with the general reader to ACCA (UK Chartered Certified Accountants) certification, in other words, it is necessary to study accounting, you have to prepare for 2 years to 2 years and a half years, in small family soup is a very heavy burden . On the other hand, the United States, with regard to tuition fees, and professional schools as a result of different economic class of the American University tuition fees vary considerably: the general public about the annual tuition at the University of 13000-20000 US dollars (1 U.S. dollar = 8 yuan); private university tuition fees per year for 22,000 To 29,000 U.S. dollars. The cost of living by location, the consumer price index, could 450-1200 U.S. dollars per month, which is also the general expenses of the students instead of spending much like San Francisco, New York, Philadelphia, Los Angeles, Boston, Chicago, Washington, the capital and other places , The lowest monthly expenditure in a thousand dollars. Tom suitable for small to Australia to study accounting After careful consideration, the small soup to implement its final destination --- Australia to study. First, because the Australian students to increase the number of bank loans; Second, the modest level of consumption in Australia, with a total expenditure of less than Britain and the United States into a 3-5. The ultimate goal of a small soup locked in Sydney's University of Science and Technology of the accounting profession, a year in tuition 22000-23000 between Australian dollars (1 dollar = 6 yuan), equivalent to RMB 12 million yuan; in the class of choice, she 2 years as an elected school years --- just an immigrant can apply for the minimum number of years. Taking into account the financial problems of small soup relief would like to learn the language courses, she thought that their level of English can continue to improve, so pay close attention to two months to review the notes, and finally won the IELTS 6.5 points --- directly into the master's time The basic points. Soon, she got a smooth admission notice. Accounting and IT is Australia's "front-line project", to be sure that qualified for the future in Australia, Europe or Hong Kong and other cities in developed countries and are suitable for employment. More importantly, accounting for the bachelor's degree students are not very strict reading of both liberal arts, science or engineering is basically suitable for all applications; accounting Australia in recent years is a short career, two years later, little Tommy to apply for right of abode , And then moved to Australia. 0000 prompted reporters "Language courses": In accordance with the provisions of Australia, to pursue a master's degree students need IELTS 6.5 or more, does not meet the scores of students in accordance with the "need for every 0.5 minutes a 10-week language study courses", that is to say If the soup is only 6 points khao, she must be on a 10-week language training courses. Language classes a week at a cost of around 350 Australian dollars, the cost of living is about 250 Australian dollars a week, then at least a week will be the cost of 600 million, 10 weeks is the 6000 Australian dollars, equivalent to RMB is about 36,000 yuan a. Preparations for the capital - two needs 430,000 yuan Consultants to study just a little Tommy account: 2-year tuition cost of living + + = miscellaneous 22,000 × 2 +1.2 million × 2 + insurance 329 × 2 + round-trip air fares to Australia about 2000, about 71,000 Australian dollars, equivalent to about RMB 426,000 yuan. In other words, the information submitted to the visa officer, must have a minimum of 430,000 yuan. In accordance with the requirements of the Australian consulate, students can only prove that the funds in time deposits, little Tommy's family 300,000 yuan fixed deposits is clearly not enough to get a visa. Based on the facts, study consultant to the small soup provides two options: 1. Passbook savings used as collateral for bank loans Consulate does not recognize the physical security (pledge), ruled out the soup with a small mortgage possible. Little Tommy, 26 million parents demand deposits, which can get 200,000 yuan of bank loans, according to 90% of the loan rate, little Tommy will be 180,000 yuan of bank guarantee funds, together with the 300,000 yuan of deposits , 480,000 yuan of funds proved sufficient to ensure that small soup 2 years of studies and life. 2. With the assets of immediate family members to prove Little Tommy to get more money, but also through the gift of immediate family members, access to the transfer. If she has to work or live in Australia's immediate family, can also be secured qualification. 0000 prompted reporters Australia is not only require students to prove that the funds in time deposits, the United States, Britain is also the case. To bank loans, it should be in accordance with the commitments at the time of repayment period for repayment, there is generally no more than your school life. A small soup as an example, such as a bank loan of 100,000 yuan, equivalent to the cost of living within a year, so it can be repaid within a year; if little Tommy is a borrowing 250,000 yuan, a figure more than a year To spend, then she would need to pay off 2-year period. It is worth noting that if you get a visa immediately to pay the debt, is likely to have been repatriated to the consulate, the consulate because you think it is not honest! In a foreign country's financial plan Do as the Romans do in light of local conditions, after the entry of the cost of living: To obtain a visa and admission notice, the small soup can be sent to Australia to the smooth. Before all the attention really remember, and so on the advice "from" the brother Dan, in addition to learning the attention of life, but also pay attention to spend on what. Dan said: obtaining visas, freezing of bank deposits will be lifted. At this time you will be better distribution of the money Hua Xiao. Shall be designated to the school, the best is to become part of the deposit money orders he had with Australia, the local bank is soon to open a local bank account to manage their own money. For example, just school, you may be boarding in the Home-stay, local families to take care of your personal life, so spending more a week to 220 Australian dollars; lived in a month or two later, more familiar with local conditions, You can select some room apartment, home or with friends and co-tenant, about 80 Australian dollars a week per person, including water and electricity costs, but also their own cooking. Said Dan: Australia's most decentralized campus in the city, you can hire his own needs as housing, in general, in their forties and fifties-minute train ride to school is normal. Therefore, the cost of living in about a week in 200 Australian dollars, of which 100 million live, eat 60 Australian dollars, transport 40 Australian dollars. Financial care: + local credit card accounts People have said over and abroad, with so much cash is of no use. In the UK, if you go back 10 pounds, Zhang notes, people will think you are strange! Not only in the United Kingdom, the United States, Canada, Australia and other countries abroad, which are denominated in Canadian money is not easy. The best solution is to do "a + a local credit card accounts." Parents apply for a credit card at home, the children do go to a card. On the one hand, because the children outside in the consumer, can repay the parents at home and at the same time can also monitor consumption. This could be a dual currency credit card may also be a foreign currency card, credit card spending abroad is not the fees. On the other hand, and many foreign countries, Australia and the local banks generally does not approve of students to apply for credit cards, as students without proof of assets and sources of income. Commonwealth Bank is the only one of the four major banks to apply for bank credit cards, but the feasibility is not high, it is proposed that students apply for credit cards at home. Immigration provided for students to apply to the territory after a bank account through this account, the costs deducted to pay the procedure becomes simple and easy, as well as conducive to the parents of electronic remittance. To Australia, for example, Commonwealthbank (Federal Bank), NationalAustraliabank (National Bank), the Australia-New Zealand Bank (ANZBank) and Westpac Banking (WestpacBank) can choose. Commonwealth Bank one of the largest network, the maximum credit is Australia's biggest bank. Unlike China, Australia's banks charge a monthly generally, "management fees" and about 5 yuan a month, if the student is, it has to show the bank your student card, which can be free of charge