From the middle class to bankruptcy: raising a baby for one year hollowed out my savings from four years of work

I have to say that the four-legged gold-devouring beast is really too expensive.

This year, spending money is like flowing water, making money is like catching ghosts, the baby is less than one year old, it has almost emptied the old father's savings for nearly four years, and the deposit is really unbearable.

It is said that it is best to make money for children now, and what high-end goods must be configured, otherwise it will lose at the starting line; followed by women's money, skin care products and clothes, as long as it is in aesthetic standards; anyway, the most difficult money to earn is definitely men's money.

A year's time, raising a baby, how arrogant the cost is, how much pressure is on parents, today to count.

1

After I graduated from college, my salary was almost all spent by myself, my parents had not yet retired, except for the new year's holiday to send some red envelopes to the elders and juniors, and there was no other emotional expenditure.

After about six years of free days, I considered the problem of starting a family, but at the level of income at that time, I could only use the provident fund to bear the monthly payment, and the down payment was definitely not enough, and I had to help my parents.

With the money I saved six years after graduation, I bought a family car, and then solved the messy expenses of weddings and wedding banquets, and after getting married, I almost returned to the pre-liberation period.

Seniors have said that after marriage, the two people in the family will make money, the cost will be reduced, and the savings will be more and more.

To be honest, today's young people, even if they are married, most of them still sweep the snow in front of the door, or make their own money to spend, and I will only think that men's salaries will only be less than enough to spend, after all, various anniversaries still have to be interesting.

I roughly counted, after marriage to spend money is more restrained, four years to save about 100,000 yuan, I thought it was enough to welcome the arrival of the little angel, did not expect or the pattern is small, superficial.

2

The first part costs: obstetric examination.

How much does obstetric examination cost, I think friends who have had babies in recent years, or friends who are currently pregnant, have the most say.

From the beginning of knowing this little life, I need to go to the maternal and child health hospital from time to time, the rhythm is almost twice a month, and the medical insurance has no way to reimburse it.

If the baby is all right, then each obstetric examination can be done step by step, according to the different examinations at each stage, which costs about 10,000 yuan.

And if you check out anything unusual, then you have to spend money like water, each check must be done several times, the time spent is one thing, anyway, the balance in the wallet is less and less.

To tell the truth, most young people are sub-healthy now, and the hospital's examination indicators are more stringent, and some of the indicators do not meet the standards, making new parents scared.

Especially in the case of the kind of problem that requires hospital observation, the cost required is really not capped.

I roughly counted, I spent about 15,000 yuan in ten months, and I was relatively lucky.

The second part costs: baby products.

Baby croaking to the ground, then you have to put the baby supplies all equipped, this is also a science, anyway, there are various tutorials on the Internet, of course, the premise is that you need to have money.

Feel free to list the things babies need, such as cribs, strollers, baby tables, baby clothes (four seasons), bottle pacifiers, sterilization cabinets, exclusive washing machines, exclusive dishes and chopsticks, toys under three months, swimming cards, moisturizers, moisturizing oils, etc.

Anyway, I can't remember exactly how many things I bought, but I should have been shopping online all the time, without stopping.

And these objects, the price is also divided into many grades, contemptible people, can only choose the middle level, seven seven eight eight calculations, this year spent nearly 30,000 yuan.

The third part costs: milk powder diapers are not wet.

Milk powder and wet diapers are the biggest headaches for moms and dads, because you don't know which style your baby is adapting to.

There is no way, the early stage can only try first, buy trial milk powder and diapers are not wet, as long as the baby is not allergic, then continue to buy in batches.

Fortunately, my baby was more contentious, did not let me try too many times, and finally chose a medium milk powder brand, a medium upper diaper brand.

Milk powder a box per month, about 2500 yuan, diapers are not wet on average a day to use 6 pieces, each piece of 2 yuan, a month 360 yuan, a year down 2500 × 12 + 390 × 12 = 34680, almost 35,000 on the spend.

After half a year old, the baby will eat complementary food, although it seems that the amount of milk can be reduced, but in fact, the baby's food intake has increased, and the cost will not be reduced.

Part IV Cost: Early Education Fees.

After half a year old, Bao Mom began to argue for the baby to go to early education, although I think I can go to class again at the age of one, but I also have to listen to the "first hand" at home.

I heard people say that the baby went to early education and did not go to early education, and the gap will become more and more obvious in the future, and there is no way to save this money.

The cost of early education is currently about 20,000 a year, and then you have to accompany the baby 2-3 times a week, during which there is also parent-child interaction.

3

In addition to the above situations, there is another very important expenditure, that is, labor costs.

In the case of conditions, parents can help, although there is no need to pay wages, but chai rice oil salt sauce vinegar tea still have to bear, especially on holidays how to treat parents.

If parents can't help, but young people have to go to work, then you can only ask a childcare sister-in-law, our third-tier cities this side of the standard, at least 5,000 yuan a month.

Full of calculations, I have this year, the savings of 100,000 yuan are almost empty, although there is a fixed salary every month, but in fact, they are all in a state of insufficient income, and can only find some side business to increase income.

After the life of the baby, there is nothing to think about, only to make good money.

(Thank you for your attention, hope to bring you help, look forward to your consultation and message!) ）