I. Personal social security and provident fund
Social Security: Pension 8%: 800 yuan; Medical 2%: 200 yuan; Unemployment 0.2%: 20 yuan. Provident fund 12%: 1200 yuan. Total individual payment: 2,223 yuan. Personal income tax: 322.70 yuan.
Hand income:10000-2223-322.70 = 7454.3 yuan.
Second, the monthly living expenses
(1) mortgage: it is paid according to the average monthly mortgage, which is almost 2000 yuan.
(2) Water, electricity, gas, broadband, cable TV and property management fees: 300 yuan.
(3) Transportation cost: most of them take the subway and occasionally take a taxi, with an average of 200 yuan.
(4) Catering expenses: 22 working days, breakfast in 5 yuan, lunch 15 yuan and dinner 15 yuan. Four weekends: going out for dinner, drinking water and watching movies, according to 150 yuan, one day is counted as 600 yuan; Fruit snacks: Every week around 80 yuan, look at the price of fruit yogurt now, and count it as 300 yuan.
Therefore, the monthly living expenses for eating are (5+15+15) × 22+600+300 =1670 yuan.
(5) Clothing and shoes: Calculated by 400 yuan per month, this is really low.
(6) Daily necessities: books and daily necessities, such as washing powder, toothpaste, shampoo and toilet paper, are counted in 200 yuan.
(7) Mobile phone bill: in the case of very low consumption, it is calculated at 100 yuan.
(8) Social expenses: If you don't have a girlfriend, you should spend at least one month with 600 yuan's classmates and colleagues! If you have a girlfriend, you should pay at least 1200, that is, 900 yuan.
(9) Travel expenses: Even for a short trip once a year, accommodation, meals and shopping will cost at least 3,600 yuan, which is counted as 300 yuan every month.
(10) Festival expenses: including birthday, Valentine's Day, Christmas, marriage, having children and other gifts. One must have at least 400 yuan. According to the calculation of about 2,400 yuan a year, the average monthly 200 yuan is already low enough.
(1 1) Respect for parents: according to the minimum 600 yuan standard. Even if you don't give it, you will buy something.
Above total:
2000+300+200+1670+400+200+100+900+300+200+600 = 6870 yuan. After deducting the fixed expenditure, the monthly surplus is 7454.3-6870=584.3 yuan.
584.3 yuan! ! A minor illness or something will basically last month!
If you still want to buy a car, get married and take care of a baby, please do the math yourself. Faced with such a realistic life, what can we do to reduce the cost of living?
The most effective way, of course, is to improve the rate of return on funds in bank cards!