How do you divide your income living expenses ?

Strictly control your own expenses, and control your living expenses within 30 yuan per day, after all, there are still more than 3,000 car loans to be repaid every month!

I used to hear people say that you have to eat dirt after buying a car, but now I believe it!

The basic salary is 1600, the duty pay is 1000, and the month-end bonus is uncertain, even if it is a total of 3600.

Distribution: 1. No matter how much money you get a month, you can save 20% of the total amount of money you don't need, about 750; 2. There is no accommodation fee, and you live at home; 3. Food expenses, milk for breakfast, so it costs about 120 yuan a month. At noon, the company will pack meals and go home to eat in the evening; Occasional drinks, add another 50 yuan; Save the rest. ‍‍

I am the light of the moon. On the 1st of each month, I get about 1,000 yuan, and on the 3rd, I have 20-30 yuan left. But fortunately, there are almost 1,000 yuan after the first half of the year, and it is all over every month, and there is no deposit at all, so I was asked where I spent it.

I also want to ask others. Ha ha!

3500 yuan a month, rent plus water and electricity bills are about 680 yuan a month, if you eat, you need at least 800 yuan a month, and it will cost about 400 yuan a month to buy fruits and snacks from time to time, and if you buy clothes from time to time, even if you buy a set of clothes, you will spend about 300 yuan, and then the rest of the money doesn't seem to be saved, moonlight +1.

4300 yuan, 50 Internet access, because the membership is cheap! Then 200 snacks, 100 phone bills, the company package food and accommodation (free) and then the clothes are almost bought at the stall for about 200 yuan, 500 for fun, almost that, and the rest is saved.

Write a daily expense list and be diligent and thrifty. The money for the daily car, as well as the money for food and water, will be prepared in advance. The rest is flexible.

I have a college degree and my profession is film and television production. In Guangzhou, generally speaking, my salary is to save as much as possible every month, because I am going to buy a house this year, except for living expenses and rent, and save the rest.

My monthly living expenses are 1,000 yuan, and there is almost nothing left. Most of the food and water are spent, and the rest is spent on snacks, and if there is any surplus, I will go to the movies.

4,000 yuan a month, 1,000 for food, 600 for commuting to and from work every month, and the rest of the money for buying clothes and phone bills.

2,000 yuan per month for living expenses, 1,500 yuan for meals, sometimes 100 yuan for drinking at night, 200 yuan for Internet access, 200 yuan for phone bills, and rarely buy clothes.

Silently estimate in your heart and calculate the amount of normal food and drink. Then put the money away and take it every day when you go out. The rest of the money is liked, and when there are more likes, I want to buy myself a car.

When we receive our salary, we have to distribute it to meet our needs. Different people have different ways of distributing their salary income. ......For me, my monthly salary distribution includes three aspects: meeting the needs of myself and my family, using it for my hobbies and hobbies to make myself happy, and saving the money I have left over for my own savings.

1. For your own salary, you should first use it to meet the living needs of yourself and your family.

In your salary distribution plan, the first thing is to use your salary to meet the living needs of yourself and your family. ......This is your most basic need and the most important expense for yourself. Only when you and your family have a comfortable and stable life can you feel comfortable and happy, and your life will be happy.

2. I have to take out a part of my salary every month for my hobbies and hobbies, so that I can be happy.

Everyone has their own interests and hobbies, and this is the best way to keep yourself happy. ......Therefore, I will use part of my salary for my own hobbies. ......Of course, this part of the cost accounts for a very low proportion of their salary distribution, on the one hand, because their hobbies do not cost much, and more importantly, they do not want to spend too much money in this area and affect their lives.

3. For the balance of salary, I will save it as savings.

When you have allocated the part of your salary, you will save the rest as your own savings. ......This part of the savings is to prepare for future emergencies. With this part of the savings, your life will be more secure, and you will be more at ease, so that your life and work will be more stable, and you will feel more down-to-earth.

1. According to their specific actual situation, the income will be distributed proportionally.

There are two ways to get a salary income every month, save it or spend it, but the reality is that it is difficult to save all the salary income, because we have to have expenses to survive, and these expenses are necessary expenses, such as rent, utilities, and food; Therefore, we should divide our income proportionally and our expenses proportionally according to our specific actual situation.

2. Management and control of unknown risks.

Because salarymen basically only receive one salary once a month, and we have a fixed expenditure that we must spend every month, if we spend all our living expenses at the beginning of the month, we must save money to survive until the next month's payday or borrow money to get through the rest of the month.

Now that the global environment is in a recession, companies cut salaries, lay off employees, suddenly fall ill, and accidents happen from time to time. If you are a person who does not have the habit of saving money, and your monthly income is spent on consumption, even if there is an urgent need for money one day, no matter how high your salary is, you will have to wait until payday to have money, and you still have no money to pay for the current situation.

3. Income can be distributed proportionally, and the principle can be followed.

For example, 60% of the income is used as necessary living expenses, 30% is used as other expenses, which can be expenses such as entertainment and self-improvement, and the remaining 10% is used as an emergency reserve for compulsory savings. And the money left after subtracting the necessary expenses from the monthly income is what we can use flexibly, about 30%-40%.

In other words, even if you want to save more money and compress your necessary living expenses, for a long time, your plan will be broken again and again, and eventually give up the entire financial plan, because the unreasonable distribution ratio will be prohibitive, so the sustainable savings income distribution ratio must be tailored according to your own actual situation!

The vast majority of us live on our own wages. In order to make our lives better, we need to distribute our salaries reasonably, improve our financial management ability, maintain and increase their value, and make our economic conditions better. ......Specifically, for our own salary distribution bureau, we should set aside a sufficient share of daily expenses, set aside enough reserves to meet unexpected needs, and invest the remaining salary in financial activities that we are familiar with.

1. Distribute your salary reasonably, first of all, you must set aside an adequate share of daily expenses.

Our salary income should first meet the needs of our daily life expenses. This is the basic guarantee that we can live a normal life. ......Therefore, after we get a salary, we should first set aside a sufficient share of our daily life expenses to meet our daily needs.

Only when this is done can the subsequent financial management activities be carried out normally.

2. We also need to set aside sufficient reserves to meet the needs of the emergency.

In addition to day-to-day expenses, we also need to take into account the special circumstances that we may encounter when distributing our salary income. ......Therefore, when distributing salary income, in addition to setting aside the expenses of daily life, you should also set aside another part of the money to meet your unexpected needs, so as to ensure the safety and reliability of your life.

3. We can invest the remaining part of our salary into the financial management activities that we are familiar with to obtain the maximum benefits.

When we have taken care of our daily expenses and preparing for emergencies, we can invest the remainder of our salary in financial activities to maximize the benefits and achieve financial freedom. ......When you are in the dusty hall of financial management, you should pay attention to the fact that you must do it in the field you are familiar with, so as to ensure that you can make a safe profit, which is the most suitable way to manage your money and is the most beneficial to achieve financial freedom.

For the vast majority, wages are the main source of income. How to correctly and reasonably distribute income has become an important topic, and the reasonable distribution of income means whether one's savings can appreciate or not, and it will not be a number from the beginning of the year to the end of the year. It can be increased proportionally every year.

How to distribute income is understood from the following aspects.

1.Implement a budget system.

First, you need to learn to create a budget that defines your disposable income and all your expenses for each month. You can use a simple electron** or budgeting app to help you create a budget. In your budget, you can divide the amount allocated for each expense category, such as rent, debt, food, transportation, entertainment, and more.

2.Pay off debts.

If you have debt, then debt must be one of your priorities. Take steps to start paying off your debts, such as using extra paycheck to pay more on loans and credit cards. You can never have true financial freedom until you get out of debt.

3.Reserve Emergency**.

Whenever possible, you should stock up on some emergencies**. Ask to keep enough cash to cover unexpected needs. Allocate a certain amount of money for emergencies so that you can respond to urgent needs, such as sudden medical expenses, car maintenance expenses, etc.

4.Investment.

You can also consider investing and want to focus on long-term investments, such as **, **, etc.

Investing by adding assets, creating additional financial security, which in turn adds more assets and cash flow. When choosing an investment, be sure to choose from the field or industry that you understand and are familiar with, as well as understand the market and industry trends. Ability to retain long-term investment plans and the way profits are realized in a way that is leaky and cyclical.

5.Reduce search costs.

Finally, in order to have more money in your investments and lack of savings, you also need to find ways to cut back on your spending. This can include reducing the cost of living, obtaining discounts on goods through coupons, using Alipay, WeChat and other payment interest rate subsidies, and using quantitative communication platforms to obtain better reference options to achieve better financial management results.

If you want to distribute your salary, improve your financial skills, and achieve financial freedom, this is actually not difficult, follow the following methods I said, and you will achieve your goals.

Clause. 1. The piggy bank is the living expenses, which need to be put into 50% of your income living expensesThe piggy bank is responsible for your food, clothing, housing and transportation, such as monthly rent, money for eating, transportation expenses, ** fees and other expenses that must be spent. If you can't keep your living expenses under 50%, then you need to try to simplify your life.

Clause. Second, the piggy bank is a long-term deposit, and you need to put 15% of your income into the long-term deposit piggy bank to buy some large items, such as buying a car, buying a house, traveling, etc. Although this money is a long-term deposit, it is also money that will be spent one day.

Clause. 3. The piggy bank is leisure and entertainment, and you need to put 10% of your income in the leisure and entertainment piggy bank to meet your usual entertainment needs, such as having dinner with friends, watching movies, buying clothes and shoes, and rewarding yourself. The money is free to use, and you can do whatever you want, but remember not to embezzle money from other piggy banks and put it in this mess!

Clause. Fourth, the piggy bank is educational development, here you need to put 10% of your income education development piggy bank is used to invest your own money, you can use it to buy books, attend classes, participate in social activities that help development, etc. This part of the money is very important, and only if you let yourself continue to grow, your income will continue to grow.

However, this also requires a certain amount of time to accumulate, and it also requires some experience, so do it slowly, and don't rush it.