I want to share the thoughts of the poor and the rich. Sometimes, the poor are not only poor people who have no money to spend materially, but also poor people who are worried that they can't make money continuously and do nothing for a while. On the contrary, many rich people never care whether their monthly income is the standard of the rich, but concentrate on their own careers and strive to have more choices and the ability to make money. The goal of money never stops at money, but self-worth. I hope friends who care about this problem can stop and think about it. Although wealth needs to be accumulated, we can be rich people who think first, and you will get what you focus on
I am an old Beijinger. I spend an average of 2600 a month and feel very comfortable. Prices in Beijing are not expensive, and all kinds of services are convenient. As long as I spend money to send it home immediately, buying food by myself is shopping. Everything is going well. No matter where the faucet and toilet are broken, the property will be repaired immediately. The happiness index of Beijingers is really high.
My salary is 30 thousand a month, and there is a big balance between income and expenditure. I feel very comfortable and satisfied with the status quo. I could have earned money part-time, but I don't want to earn any more. I must be satisfied. Earn 30 thousand a month. Why do I earn so much money? Who can't take it and make money for whom? It is better to play by yourself for a while, life is stress-free. Ordinary life is the most precious.
In the process of life experience, people should realize that only a relaxed and stress-free life is the real meaning. Fame and fortune are really tempting, but enough is enough to fully enjoy loneliness and inner peace!
First of all, 1.5 million is a hand-earned income, and there is no mortgage at home, so you can live well. Generally, a family of three costs about 7000 yuan. My family is like this. Other money can be saved, as well as housing provident fund.
No matter from which point of view, families with a monthly income of only 15000 yuan in Beijing must be poor. Next, let's analyze it.
First, let's make a hypothesis. Suppose this is a family of four. Couple plus two children. The two children are in kindergarten and will be one year old soon after birth. Suppose both husband and wife are at work, and there are two old people taking care of the children. Let's assume that the elderly have a pension, which subsidizes the life of the young couple to some extent. In addition, let's make another assumption, assuming that there is no mortgage and we live in our own house.
Even so, a month for a family of four is not a small expense.
A month's utilities, natural gas, property and annual heating costs will be shared equally every month, which will not be lower than that in 500 yuan. Especially when the air conditioner is turned on in summer, sometimes a family's electricity bill can reach 1000 yuan a summer.
The family's Internet access fee, mobile phone fee and other communication expenses are not lower than those in 200 yuan.
Children's milk powder money should be no less than that of 500 yuan a month.
Washing powder, toilet paper, soap, shampoo cream, detergent, toilet water and other daily necessities are not less than 100 yuan per month.
A family's annual consumption of clothing, shoes and socks should be spread equally to one month, which should be no less than that of 200 yuan.
If there is only one car at home, the annual expenses of vehicle refueling, maintenance and insurance should be shared equally to no less than 1000 yuan per month.
The cost for children to go to kindergarten should not be less than 3 thousand yuan a month.
The cost of buying toys and picture books for children should not be less than that of 200 yuan in a month.
Eating is even frugal. Expenditure on food, vegetables, fruits and rice, oil, salt, sauce, vinegar and tea shall not be less than 1000 yuan per person per month. A family will not be less than 4,000 yuan.
Sometimes I have to take my children out to play and go shopping to buy some cosmetics. There are also human contacts. Waiting for all kinds of unexpected expenses.
It is difficult to save more money in a month.
With a mortgage, you can't live.
So in Beijing, a family's monthly income is about 15000, which belongs to the poor.
The standard of living in Beijing is basically very high, and all kinds of goods are relatively higher than those in other places, so it is difficult for ordinary people with low incomes to survive in Beijing. An income of 1.5 million is a low-income day, and it is not rich enough to be used in a planned way. Because there are many people in the capital of Beijing, it is difficult to buy a house in a densely populated area, and renting a house is not cheap. This leads to the fact that it is not enough for migrant workers to earn less money, and some of them are unable to earn less money. However, some young people realize that it is difficult to find a job in Beijing, so it is difficult for people without real talents and practical knowledge in Beijing to stand in Beijing.
Before tax, 15000. Under normal circumstances, after tax, it's a little over 10 thousand. There are more than 3,000 people in a family of three. No loans or anything. Enough to eat
Fifteen thousand after tax, five thousand for a family of three. Ordinary life should not be difficult without a loan.
Are you poor? Without debt, I don't think it should be poor. Ordinary people. There are three people in a small family, and the average monthly salary of husband and wife is more than 7 thousand. Pay property fees, utilities, parking spaces, heating fees, children's tuition fees and living expenses. That should be enough. There should be no anxiety in basic life.
Take me personally as an example: unemployed at home in 2020, the life of our small family is almost this income.
Buy no more than 2000 yuan of vegetables and fruits every month, and pay the kindergarten fee and personal social security for the children. One month for public kindergartens 1000, and one month for social security 1000. The two add up to almost 3000 yuan. The basic expenditure of 5000 is gone. We still have to go to work to eat, buy clothes in different seasons, pay for gasoline, go out to eat occasionally on weekends and socialize. Ten thousand dollars for a family of three is the expense of the foundation. If you want less, you have to control the cost of eating out and buying ingredients. Ten thousand doesn't feel loose. 15 thousand will be much more comfortable.
Of course, it's not enough for you to talk about quality. Especially in this city where BMW Mercedes can be seen everywhere. A place where you can see luxury houses and luxury cars every day. There are too many people with high incomes. But that's how ordinary people live.
A family with a monthly income of 1.5 million is not poor, but also quasi-poor. If there is no mortgage, car loan, rent and two-legged beast at home, then the income can still be maintained. If you eat in Beijing, it is not expensive to buy food. If you travel, you can walk in urban parks and suburbs, which is still possible. But not high consumption. If you buy high-end bags and cosmetics, then 1.5 million is definitely not enough for you to spend.
If there is a mortgage or rent, a family of three, earning two and spending three, then10.5 million is not enough, and the mortgage cost ranges from 5000- 1 10,000. The rent, at least three people rent a bedroom, is also around 5000. Unless you rent outside the Sixth Ring Road, you won't stay in Beijing at all. This removes one-third to one-half of the income. Children are also expensive. The last public kindergarten is one month 1 0,000 yuan. Children's food and clothing cost one month 1000, which is the least. The cost of extracurricular classes ranges from several thousand to 65438+ ten thousand yuan a year. On average, it costs at least 2000 yuan a month. Daily expenses for three people. 1.5 million is just enough for basic living, so you can't socialize, travel and improve your quality of life. If an accident happens and you are hospitalized, your family will fall into a black hole.
Therefore, in Beijing, a family's monthly income is10.5 million, and life will be relatively tight. Careful calculation is enough. Not bad, but also below the average. If you have a house, a car and no loan, and are single, such a day is 15000. I once bought a 65438+ tens of thousands car in Yiping for a while. Although my income at that time was less than 65,438+05,000, I lived a leisurely life.
Current monthly income 15000. A family of three lives with her mother-in-law, and life is still relatively tense. My wife spends her salary, clothes, cosmetics, car maintenance, food, clothing, housing and transportation, and pays attention to high quality. Although her income is similar to mine, she basically has no money to support her family. Mother-in-law's pension salary can't be moved, and she should be given 5000 a month. In addition to the daughter-in-law who has the strongest spending power at home, all kinds of tutoring and interest classes cost almost 8000 a month. I haven't bought clothes for several years, so I have to weigh it when I drink Starbucks. Although there is no burden of loan, I still feel embarrassed.
For a family of three in Beijing, 15000 is enough if there is mortgage, car loan and children's education, and it is basically impossible to enjoy life such as social travel. If there is another serious illness, family life will undoubtedly fall into the abyss.
For a family whose children have grown up, there is no big consumption at home, and then 15 thousand will be rich. However, if you pick up the burden of children getting married and buying a house, you will still be overwhelmed.
You have to live a life of 15000, and you have to live a life of 3 or 4 thousand. The income level determines the living standard. A high-income and high-quality life is not necessarily easy to have, and a low-income pursuit of a simple life is not necessarily unhappy.
People who have no long-term worries will have near worries. Leave some savings when the family burden is not heavy, and save them for urgent use in the future. Have time to improve yourself and prepare for a higher-paying job in the future.
No matter how much money you earn, most middle-aged people in China are in a state of anxiety, but life still needs to go on, and the hope of the future cannot be blocked by immediate anxiety.
If you have a car, a house and no loan, a family of two or three can live, basically in a moonlight state, and you can't say that there is any quality of life. Of course, in addition to this income, there are parents' support and so on.
My wife and I, a civil servant, have a total income of more than 23,000 points a month, no mortgage and car loan, and two children, senior three and senior one. Let's just say that our salary will be gone within 20 days at most. The fixed expenses per month are: 2,000 yuan for two cars, 2,200 yuan for two children to have lunch at school a month, and the most water, electricity, vegetables, eggs, milk and fruits are in 300 yuan, around 700 yuan every week, 3,000 yuan per month, and going out to eat twice a month 1000 yuan. I haven't been to the epidemic for two years, and I have no money. The main place to spend money is the Chinese New Year holiday, which costs 15000. The house looks ok, but there is not a penny left.