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I just talked to my brother on the phone, and I asked him how the harvest was for the end of the year? My brother-in-law said that I thought I could have 100,000 yuan left! As a result, there were only 20,000 yuan left.
My brother's monthly salary after tax is 21,000, my brother-in-law's salary is 6,500, and the annual income of the two is more than 300,000. Their money was originally managed by their brother and daughter-in-law, and they had about 7-80,000 yuan left a year. The younger brother felt that his brother-in-law was spending a lot of money and couldn't save money, so his salary was not handed over to his brother-in-law, and all the expenses of the family were paid by his younger brother.
I really don't care if I don't know, I'm scared!
My brother's fixed expenses: 4860 mortgages, 58000 a year.
Two children: Dabao is 8 years old, from kindergarten to interest classes and care, spending 30,000 yuan a year. Xiaobao is 3 years old, Xiaobao's milk powder, diapers, and toys are also 30,000 a year. Save a little for two children, it's 60,000!
The living expenses of the family: breakfast made by the mother-in-law, counted as 20 yuan, lunch brother and sister-in-law 25 yuan per person, 50 yuan, mother-in-law and Xiaobao eat at home, dinner (meal + fruit) The standard of the family is 100 yuan per day. 5,000 a month, 60,000 a year and gone!
Fuel costs, car insurance, maintenance: two cars, one 92 and one 95, cost 30,000 a year.
The property is 2000, the water and electricity is 5000, and the gas fee is 1000, which is 8000 yuan a year.
Favors: Drink a few times a year, starting from 500 yuan, relatives from 3,000, 5,000 yuan a year.
During the New Year's holiday, buy some gifts for your parents, give some red envelopes, your mother-in-law will give 10,000 a year for your children, and your brother-in-law will give 5,000 yuan, spending 15,000 yuan.
Occasionally take children to travel, "May Day, Eleven" out to play, stay in a hotel, and have a play. Plus the usual excursions. It costs about 10,000 yuan a year.
In this way, the annual expenditure of 250,000 yuan will be spent, and the mortgage, vehicle, and children are heavy expenses, which are too expensive.
My brother also cried that he was poor and said that he hadn't bought a single piece of clothing at the end of the year, and his brother-in-law had bought him a few clothes before!
The younger brother-in-law said that she had paid 250,000 yuan, and her salary also cost 10,000 yuan, her own clothes, the clothes of her children and her mother-in-law, and the pocket money for an occasional snack with friends and colleagues.
The younger sister-in-law said that their life was also very ordinary, there was no luxury and waste, and they lived a very ordinary life, and she did not buy luxury bags and cosmetics, and she spent so much money. So if a family with two people with a monthly income of 10,000 yuan and a family with an annual income of 10 tens of thousands, how can people live?
Let's see what places can be saved, they want to repay the mortgage in advance two years early, how to save, everyone give ideas, thank you!