After graduating from college and officially working, I started using a bookkeeping app to pinpoint every single penny and cent. After cohabitation and H set up a family ledger, which lasted until after marriage. The first time I saw this, I was able to see that the account was not a good one, but I was able to see that it was a good one.

However, bookkeeping didn't save me any money ......?

Caught the whim to give a summary of 18 years, opened the books to take a serious look at last year's expenditure, beyond my imagination. Taking a closer look, yet it's all impressive and expected...?

I hope that this summary will give 19 years of household expenses to reduce the burden.?

Total Expenses: ?697,434.83?

69.7w, which includes the mortgage payment, down payment for the car and a few months of car payments. The total amount is structured as shown below:?

Excluding the mortgage and car purchase, the annual daily expenses totaled: ?307,240.57?

To be honest, I didn't look too closely at the ledger before, and I was surprised to see this number ......

Taking a look at the primary category first, and comparing it to 2017, it was really quite stable ......? Every point has a source, as evidenced by the table...?

Small note: the "Wedding" item is the one we agreed on, a commemorative photo every 2 years. So in 19 years, this can be saved, hahahaha (as if compared to the total amount of this money does not mean anything (to eliminate the left this kind of thinking, money is a penny out of the savings?

Subtracting the secondary classification of "investment loss", the total expenditure in 18 years is ?264,844.06, averaged to each month ?22,070.34, so much money, in the end, how to spend?

The rankings, in terms of average monthly spending counts, are as follows.?

We spend 7k a month on leisure and entertainment?Where is that much????

All right, let's start with the smaller categories and take a closer look.?

Our books*** are divided into 12 categories and 38 sub-categories. For example, clothing and accessories are divided into clothes and pants, shoes, hats and bags, make-up and accessories, etc. 3 items, food and wine are divided into breakfast, lunch and dinner, drinks and milk, fruit snacks, meals, etc. 4 items. Among them, there are classification methods recommended by the bookkeeping app itself, as well as according to our own daily consumption habits. For example, "big meal" this item refers to two people out to eat and per capita more than 100 yuan of food and beverage consumption, and if it is a gathering of friends party dinner, it will be recorded in the "corruption of the party" under.

Because it is a family book, including 2 people's *** with the expenditure and their own expenditure, the following analysis will be combined with the expenditure of members together. Let's look at the members' expenses first: 42% of the household common, H spent another 7% more than me :?

But ...... open the secondary categorization table, the amount of ranking first is the investment loss item, I 6k, H 36k......?

Excluding investment losses, the 38 secondary classifications, ranked No. 1 is the breakfast, lunch and dinner , a monthly average of ?3,316.38, so look as if not much? In fact, the monthly average of "food and drink" is ?4,785.54, which is still a bit high. And that's assuming I have a cafeteria and don't spend money on weekday lunches and most dinners.

The bill is very clear, "wife" in the breakfast and lunch and dinner expenses accounted for only 17.86%, averaged to only 590 dollars per month, the husband is 1.5k, more than the family communal. Drinks milk Monthly average ?124.12, basically all the family communal; fruit snacks Monthly average ?200.60 public about 65%, wife about 30% (mainly to buy melon seeds); meals Monthly average ?1,144.43, to the per capita calculation of 150 yuan, then, on average, to eat once a week.

On the dining one, both saving consumption and maintain or even improve the quality of life change method has 2: ?

1. Reduce weekend takeout orders. Weekend takeout averages $50 per meal per person and doesn't ensure health, hygiene, flavor and nutrition. Why not make your own?

2. Reduce buying snacks at 24h convenience stores and buy in bulk instead. Take my favorite melon seeds for example, Tmall averages 5 yuan a bag, while the whole family wants 10.5 a bag. Sometimes I want to eat on weekends and don't want to go out, I even have to pay for errands and call for takeout to be delivered to my door.?

Ranked No. 2 is ...... member games, monthly average ?2,271.26 , communal is a small amount of kiwi, Tencent video and so on, the wife accounted for 35.16%, yin and yang division of the whole year kryptonite 9k or so; hubby accounted for 63.19%, FGO kryptonite 8.2k, also bought a switch , some PS4 and STEAM games.?

In the same general category, travel and vacation ranked #3, and that expense doesn't have to be calculated as a monthly average, totaling about 2w. Since our honeymoon, we've traveled out every year to relax and overall it's been ok to keep this level. In the future, we can consider more cost-effective vacations. There's also leisure and fun monthly average ?619.51 , shows and movies monthly average ?617.04 , and the big spenders are mainly 2 Disney half year passes purchased, 3 concerts, 6 movies (all iMAX), and some short trips. ?

In addition, the big leisure and entertainment item also includes pet babies, with a monthly average of ?893.44 , and with 2 cats in the house, this spending has been relatively frugal. H and I have a similar outlook on spending, it's worth it to spend money to buy happiness, savings and comfort.

In response to this item, the main need to quit handicraft kryptonite.?

Private car costs ranked 4th, totaling 1w5+, which includes 9k+ car insurance and 2k parking space management fees, H $20 per weekday for parking, some gas money and tolls. This one is also just a necessity, nothing to write home about. You'll even save some on gas if you buy a hybrid. Every year, the Spring Festival and the 11th plane back to my hometown, this year credit card points for miles to save a few air tickets, the total amount is not large, about 5k, in addition to a small amount of money for train and bus tickets. Daily transportation, taxi rental car monthly average ?216.43 , public **** transportation ?196.12 , all belong to the immediate needs of the expenditure. 19 years my public **** transportation expenditure will increase, but it is not a big head. ?

Filial piety parents ranked 5th, a total of 1w5 +, including to the two old mother to buy jewelry, New Year's red packets to the elderly, etc., this money in the establishment of a small family of people is not much.?

Daily durability ranked No. 7, a total of ?11,923.36, spread evenly over the month is ?993.61, large items such as suitcases, hair removal instrument, steam cleaner, suction and mopping all-in-one machine, electric toothbrushes, floor hangers, etc., and small items such as blue glasses, seat backs, cutlery, incense plugs, pillows. This is an area to cut down on impulse spending, while making the best use of what you've already purchased, especially appliances, in order to afford the money you've spent. Daily consumption monthly average ?940.30 , which is a bit more than I expected. Looking at the detailed list, the big ones are 2 straight water filters totaling 2.7k, property fees 2k (thankfully, property fees are cheap in our old neighborhood!) ), Christmas decoration theme 1k+ including Christmas tree and wreaths. h's razor heads cost $30 each, and electric toothbrush brushes cost 30-40. The rest is just regular shampoo, laundry detergent, paper towels and other consumables. Utilities average ?622.68 per month, water is about 40, electricity ranges from 100-300 (peaks in summer ?427.50), and gas for underfloor heating is a bit more expensive in the winter at about 1k per month. This is an item we've run up this year to save energy, we used to have the underfloor heating on 26 degrees, now it's only on 24 degrees.?

Clothes pants ranked 8th, monthly average ?978.37 , of which I bought 83.94%, shame. In the same broad category, make-up and accessories totaled 3k3, shoes, hats and bags totaled 1k9, even more all spent on me. It's already down from '17, hopefully it continues in '19.?

Mobile phone expenses and digital equipment are divided into 11th and 12th, mainly because H bought an iPhone XSMax, I bought a laptop, with the current use of the situation, it is considered to be the best use. But there are some unused electronics in the house that I might consider selling used to get back on my feet. Including 2 kindles, Microsoft bracelet, iPhone 7 Plus. in addition, benefiting from the work benefits, our phone bill expenses are less, which is also a hidden income, right?

Lastly, look at the favor category. Because we didn't charge for the wedding reception at that time, so the better relations with classmates and friends who got married didn't have to go along with it anymore, saving a sum of red packets that came and went. Corruption party monthly average of 500, gifts and invitations monthly average of 400, including the organization of parties at home, birthday invitations and trips with accompanying gifts, as well as send red envelopes, etc., in fact, the average down to quite a lot of money. In the future, the two get-togethers as little as possible, and spend all the money for going out to eat on the get-togethers is more cost-effective.?

There are also some sporadic expenses, such as haircuts, buying books, exam registration fees, sending courier, see a doctor and so on. After all, young people, medical expenses are not big, and mom and dad are also rich and strong, the burden is still relatively light.?

Finally I looked at the big spending throughout the year and listed the spending above 2k: ?

The distribution of items and members is fairly balanced, and the characteristics are obvious: digital equipment updates, kryptonite for food, drink and entertainment, and the occasional gift for parents.?

Summarize the direction of consumption downgrading in 2019:

1. Reduce the weekend call for takeout, replaced by their own cooking.?

2. Reduce buying snacks at 24h convenience stores and buy in bulk instead.?

3. Quit playing handheld kryptonite.?

4. Consider more cost-effective vacations.

5. Save energy on water, electricity and coal.?

6. Reduce the number of dinners for 2 people and shift spending on dinners to friends.?

7. The purchased items are put to good use, and the unused items are sold as soon as possible.

There is also a total amount of control, can not hold "anyway is a durable goods" mentality unlimited purchase of more expensive appliances and furniture, beyond their ability to consume is a luxury waste overdraft, or to set the total annual amount of the most want to change, the most need to start.

The more you look at the bill, the more alarming it becomes. I hope I can keep my spending under control in '19.

This answer is from the good living user small feather small things, more decoration strategy, home experience, welcome to visit the good living APP view