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100,000 can barely pass, mortgage and car loans, children's education expenses, the living expenses of the elderly, and the daily expenses of the family. There are also gifts from my wife, and these are all dinners and the like.
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Usually five or six thousand is enough for a family, but my family is usually six thousand, but sometimes it costs a lot of money for relatives to get married or something.
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The price starts at 30,000 yuan, my family of three is okay, the key is that the child is really too expensive, tutoring classes, art classes, training or something.
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50,000 is basically I think, or in the case of no children, that is, the husband and wife, want a mortgage, a car loan, and daily expenses, property water and electricity are all money.
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I am the only one in my family, with a salary of more than 5,000 yuan, and I don't spend money indiscriminately, and I can save more than 1,000 yuan a month.
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Twenty thousand, now fifteen thousand can't save a point.
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More than 40,000 bar mortgages, the cost of the elderly going to the hospital every month for examination, the expenses of the family, the cost of pet care, and the makeup of the wife, which does not cost money.
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Fifteen thousand is enough, in fact, the family doesn't spend much, even if you send relatives or something, it costs money, and sometimes you can give away one or two thousand a month.
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Married and childless, a monthly food bill of 3,000, a mortgage of 2,000, plus water and electricity bills, transportation expenses and other living expenses, starting at 6,000 a month, and then plus the New Year's holidays, at least a monthly income of more than 10,000.
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Family of three, kindergarten, monthly consumption 1w
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One or two hundred thousand yuan is still to ensure that you don't go to shopping malls or the like, dinner parties at home, and going out to play, everything costs money, and more than 20,000 yuan of wages will not be saved.
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I think our family's income of 20,000 yuan per month can be used for normal expenses. Mortgage, two children, Shanghai.
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My family in Shanghai, a family of four, children live in school, eat normally for a month, use about 5,000, mortgage 2,000, normal life, not a province, usually Hema to buy food.
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Monthly income 1w5, no mortgage, no car loan, no need to give money to parents. Wireless small county, three people, 5,000 a month is enough.
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A budget-conscious family of five averages one thousand and a half is enough.
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A family of four, two children go to school (the cost of this is slightly higher about 2,000 a month for a child), more than 2,000 mortgages, no loans for cars, county-level cities, about 15,000 each, no high consumption!
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Earn more and spend more, earn less and spend less, don't steal or rob, just be a clean person.
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In our rural areas, 2,500 is enough
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I can see it, there are a lot of gods, take me, and I won't move bricks.
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Now the normal expenses of a family are about 1,500 yuan a month.
The monthly living expenses of a family are about 1,500 yuan, and the most common family expenses at this time, because of the continuous increase in prices, if you want to be a good wife and mother in the family financial management, the family's life is high, and there are meat, eggs, vegetables, and water yards every day.
Because life is continuous, to accumulate a little wealth, the old man has a saying, the waist is bulging, do not panic, if you want to live a good life, you must plan and plan well at home, so that the family can live a rich and happy life.
Considerations for controlling household expenses.
A ledger should be established.
In our work, we should establish a ledger and be clear about our income and expenses, which will help us develop good habits.
In general, we should pay attention to the habit of shopping, not to pursue high-end, but should pursue practical, in the process of daily life, we pay more attention to some details, such as water, electricity and gas consumption, should try to control reasonably.
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The actual expenses of my family are as follows:
The mortgage is repaid 10,000 yuan per month, insurance + financial management is paid 120,000 a year, the average monthly extracurricular classes for two children are 8,000, and the average monthly average for two children is about 3,000 for pick-up, shopping, entertainment, and dining out, etc., The property management fee for water, electricity, gas, and telecommunications fees is about 2,500 per month, and the average monthly maintenance fee for car maintenance is 1,500 (insurance, maintenance, and refueling), and the average monthly family meal + daily use is 5,000 (vegetables, meat, fruits, seafood and drinks in the supermarket are not cheap, and sometimes takeaways) The average of the above month is also 40,000, The basic posture is quiet, and there is nothing to save in the clan hall. In addition, the couple's own shopping, eating with friends, beauty and fitness, honoring both parents, interpersonal exchanges, etc., an average of 3000-5000 a month is very little, if you want to take the baby to travel during the holiday, 500,000 a year is definitely not enough.
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My monthly salary is less than 30,000 yuan, and I have more than 20,000 yuan in my hands, and I am tight every month, my child goes to kindergarten, the tuition fee is 2000, and there are other dance, piano classes, etc., and other family expenses are calculated, not to mention the remaining money in a month, and it is often beyond our means. I often feel that I don't know where to spend my money, but I actually have a source for what I spent, and I feel that life is very stressful. Sometimes I think, I have a salary of 20,000 yuan a month, no more or no less in Guangzhou, but there are many people who don't have a salary of 10,000 yuan, how do they live?
I also work in Guangzhou, in the central city, Dawa Primary School and Xiaowa Kindergarten, all of which are public schools, and they are usually all kinds of classes, the most expensive training course, 502 hours at a time. In the past, there was also early education, and one class was arranged according to the class time, and sometimes two children took two classes together, and one class was almost a thousand. Now I don't have early education, and there are various interest classes, ranging from dozens to more than a hundred, and our two suites have mortgages, and we have cars without car loans.
Both parents and the elderly are not in Guangzhou, so they are given living expenses every month, and the money for medical treatment, electrical appliances, and large travel expenses is given separately.
From getting married and having children to the present, when I got married, I took my mother-in-law's 2800 wedding red envelope, and the rest relied on myself to earn and save my own money, and even paid all the expenses of marriage, including gift money. It stands to reason that our expenses are not small, but I think more than 20,000 yuan a month is about the same, and I don't know where you spend a lot, resulting in a shortage of income. Of course, my mortgage is not very high, my husband does not smoke or drink coffee when he doesn't drink, he is less at home and socializes, the whole family goes out to play once a week, and travels around on holidays, and I think the quality of life is also good!
Actually, your question is placed on a 1.4 billion people and 9.6 million square kilometers.
It's too difficult. Different places, different educational backgrounds, different occupations are too different, small places have houses and cars, forty or fifty thousand is normal, big cities are carrying high mortgages, annual salary.
Millions are also under a lot of pressure. It's normal to live your own life and live without debt, but it varies from person to person!
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Monthly income of 10,000 yuan. As long as you don't buy luxury goods, 10,000 yuan can live a very nourishing life.
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It takes about 15,000 a month to meet the expenses of a normal family, because the expenses of a normal family are generally at a medium level, and there are only some mortgages and car loans, and a salary of about 15,000 can be satisfied.
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The monthly income is about 10,000 to 20,000. Only with so much money in the monthly income can the normal expenses of the family be satisfied. Most families spend so much money a month.
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The monthly income of both husband and wife is about 5,000, which can meet the normal expenses of the family, if it is in a first-tier city, both husband and wife must earn more than 10,000 yuan.
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If you get married, your monthly income must be at least about 20,000 yuan to meet your normal expenses, because there are many places where you need to spend money after marriage, and there will inevitably be some unexpected situations.
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Of course, it is only when the monthly income is about 5,000 that the normal family expenses can be satisfied.
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With the change of society, the traditional concept of "men should get married, women should marry" has begun to change, more and more young people choose to marry later or even not to marry, in addition to "rather lack than abuse", the rise in the cost of living has also made couples stop in front of the threshold of marriage, after all, after starting a family, it means to assume the responsibility of the family, the first thing is to make money to support the family, so how much money does a family need to be enough for a month's living expenses?
First of all, we must know the necessary expenses in a family, in daily life, firewood, rice, oil, salt, sauce, vinegar, tea, daily necessities must be indispensable, as well as mortgages, water and electricity bills, gas bills, and some families have car loans and so on. First of all, the water and electricity bills and gas are about 300 a month, the daily consumables such as toilet paper and washing supplies are about 200, the daily diet of firewood, rice, oil and salt is about 1500, and the mortgage and car loan vary from person to person.
Secondly, spending on children is not a small amount, according to statistics, spending on raising children accounts for one-third of a family, or even more. Nowadays, in order to "win at the starting point", children start to attend early reading classes before kindergarten, participate in various specialty classes and cram classes after school, and have a variety of extracurricular activities, etc., and the monthly cost is the majority of family expenses, and there is an upward trend every year.
Although the state has a pension, but the amount of pension is much or less, if the pension is less old, or need the monthly living expenses of the children to live. In addition, there are many living miscellaneous expenses, such as seasonal clothes, personal expenses, medical expenses, broadband fees, etc., which is not a small amount of money.
In fact, it is really impossible to calculate the expenses of a family, the so-called abundance and thrift by people, some people in the same city let go of their hands and feet to spend a lot of money, some people save money, how much a family spends, depending on how much burden the family has, such as children's interest classes, cram schools depend on the individual, those who can't afford it can choose to report less or even not to report, and the diet can also be appropriately adjusted. How you live depends on how you want to live, in addition to how much money you make.
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My family is an ordinary family in a third-tier small city, and the monthly expenses are about 5,000 yuan, and my parents' main expenses every month are to buy ingredients and water and electricity bills.
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Let's take our family as an example, our family has two children, but I live in a small city, and the cost is relatively not very high, about 4,000 yuan.
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It costs about 2,000 yuan or 3,000 yuan, and the price of living varies according to different places.
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The number of monthly income is controlled by the desires of your heartYou will spend more, you will spend less, each family's needs and consumption concepts are different, how much is appropriate? It is determined by the actual situation of each family.
One, desire to decide
I take myself as an example, every month I need to repay the mortgage 4,000 yuan, decoration loan 6,000 yuan, Erbao kindergarten fee 1,500 yuan, Dabao has no tuition for primary school, but the average monthly income for interested classes is 1,500 yuan, the fruits and vegetables at home are almost 3,000 yuan, the water and electricity bills and my husband and I need 800 yuan, the family's clothes are 1,000 yuan, my cosmetics and my husband's cigarettes are almost 2,000 yuan per month, and the cost of favors is 1,000 yuan.
I spend my money on houses, and there are a lot of people who like to buy luxury goodsThey spend money on luxuries, grooming, and socializing, and these people spend more than they can measure every month.
Second, reality decides
Now take a friend as an example, my friend's monthly income is 3,000 yuan, and her husband's income is 10,000 yuan. They have no mortgage and car loan, only 1,500 yuan per month rent, Erbao 1,000 yuan a month for kindergarten fees, Dabao has no tuition for primary school, there is an interest class of 1,000 yuan per month, and 2,000 yuan per month for fruits and vegetables at home is almost enough, their family of four only eats at home at night, and the rest of the time is in the unit and study to eat, ** fee and water and electricity fee 600 yuan, clothes and cosmetics 1000 yuan, 1000 yuan of human affection fees.
But don't they want to buy a house or a car? The answer is yes, they thinkBut because of his limited earning ability, he had to give upLive a stable life now.
Third, the reality of the situation
The reason why my family's consumption is so high every month is largely because of the loan, if there is no decoration loan, we can spend 6,000 yuan less every month, then we only need about 15,000 per month.
My friend's family didn't have a mortgage or other loans, and only the rent seemed to be less than us. But in fact, my family is struggling for a house, and theirs is renting, which is very different.
The actual situation of each family is different, and everyone's consumption concept is also different. In "21 Carats", the actor said that "the money we earn is determined by God, and the money we spend is determined by ourselves", there is no specific answer to how much money is appropriate, but there are many specific answers to how to spend it.
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Let's take a single woman as an example.
A girl works in Chengdu after graduating from university, and the rent is generally within 2000-3000 yuan, of course, you want to live in a particularly superior place when I didn't say, in fact, I don't think the rent in Chengdu is so high, because Beijing actually has this kind of price, so 10,000 yuan of income minus 3,000 yuan of rent, you still have 7,000 yuan.
Then we talk about the cost of transportation. If you join Chengdu to take the subway and bus, you will not rent a place far away from the company to 5 yuan for the subway fee, even if we are 4 yuan a way, twice a day, that is, 8 yuan. 30 days in a month, 30 days multiplied by 8 yuan equals 240 yuan.
We used the remaining 7,000 yuan minus 240 yuan for transportation expenses, and there was still 6,760 yuan.
Let's talk about eating. In fact, for a girl, breakfast is basically done within 10 yuan, 20 yuan at noon, 20 yuan at night, plus 20 yuan for snacks and fruits, 70 yuan a day. 30 days in a month, 30 days multiplied by 70 yuan equals 2100 yuan.
We used the remaining 6,760 yuan minus 2,100 yuan for the meal, and there was still 4,660 yuan.
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