Some people say: Life is alive, eat and drink. But what I'm trying to say is that money is limited and food is unlimited. In the eyes of my friends, I am a boring person, never pay attention to eating and wearing, the same food different brands, no matter how much the price difference, I can not taste any difference, always feel that I can fill the stomach on the line.
Colleagues around me are like a number of new milk tea shops, dessert shops or barbecue shops in the city, and I have never known anything, of course, I am not interested.
Colleague Li Jie is a food expert, their family likes to eat, clothes can be worn on the stall, but there must be no ambiguity in eating. A family of five costs at least 60 yuan a day for breakfast, about 150 yuan for lunch, and about 80 yuan for dinner. Take the children down to the restaurant every Sunday to eat different special snacks, sometimes Chinese food, sometimes Western food. Chinese food such as hot pot, Western food such as pizza, cost three or four hundred yuan a week. A month is almost ten thousand yuan worth of food alone.
However, Li Jie has this condition of a food expert, their family income is relatively high, the couple plus the eldest daughter's salary, the monthly income of about 30,000 yuan, no mortgage and car loan. And there are five sets of real estate in the city. Their family spends 30% of their income on food. But for the working class, the income is only 30% of their income, and they do not have their rich family. So we have to be careful.
Usually, we never go to the restaurant, unless there is a New Year's festival, there is a major event, we must invite guests in the hotel, that is the exception. The number of times I buy breakfast outside in a year is countless, all of them are made at home, usually family friends and relatives come, I buy vegetables and go home to entertain. Four or five people go to the hotel, entertaining at least five or six hundred yuan, the same dish, at home to do three or four hundred yuan is enough, that is, the profit of the hotel is earned by themselves, saving money is to make money.
Our family of four spends a year on eating, which is at most about 15,000. A month down hovers between 800-1200. Never buy out-of-season vegetables and fruits, such as strawberries in the summer for four or five yuan a pound, and in the winter for twenty or thirty yuan a pound. Expensive fruits, such as jackfruit and durian, are never bought, that is, eat fruits, bananas, kiwi fruit, dragon fruit, these ordinary and inexpensive ordinary fruits. Meat, beef, mutton is more expensive, I rarely buy, basically only buy a little during the festival, usually eat ribs, chicken, fish and other ordinary meat.
We live in small cities in seven or eight counties, the working class, the wages are not high, two people only have a salary income of 150,000 or 60,000 yuan a year, remove the mortgage and the cost of raising children, and can save 70,000 or 80,000 yuan when they are more than one year, and only 50,000 or 60,000 yuan when they are less. If you don't make a careful calculation, you can only make ends meet. In life, we do not compare with others, only compared with our former selves, as long as the days are getting better and better, it is progress.
To have a thorough understanding of a family's income, it is necessary to keep accounts. Now there are many bookkeeping software, which can be remembered anytime and anywhere, which is convenient and fast. I've been using hand-held bookkeeping, and the newly developed God Cloud Ledger is very easy to use.
Figure out the classification of household expenditures before bookkeeping. Household expenditure can be divided into fixed expenditure, variable expenditure and unnecessary expenditure.
Fixed expenses: such as mortgages, car loans, property fees, and education fees charged by children's schools, these can not be saved.
Variable expenditure: like eating, wearing, and using are all optional, you can cook at home every day, or you can choose to go out to the restaurant every day to eat a big meal. Choose from designer clothing or affordable clothing. Non-essential expenditure: Like leisure, entertainment, luxury goods are optional to not spend.
If the average family wants to save money, it can only reduce variable expenses as much as possible, and unless it is necessary to spend, it can accumulate a small amount of savings over time. 2021 has passed more than half, take a look at our family's annual expenditure:
Article Source: Handbook Community Fluttering Dandelion