First, I'll show you a few stories of the people involved.

First, Mr. Liu (rich)

Shanghai family of three. I'm 985, with study experience, about 350,000 a year in hand. The wife 985, no study experience, a year to hand about 220,000. There is a downtown one-bedroom apartment rented to foreigners, the rent is more than 90,000 a year. The stock loss of home do not recognize not to see, financial interest a year about 40,000 or 50,000, these two pieces of positive and negative offset it.

Plus some gray income adds up to less than 700,000 pure. There is no mortgage, there is a 400,000 car, the child is 2 years old. Expenses basically use Alipay, occasionally palm life has cheap coupons will use. So expenses can be counted on Alipay.

When it comes to water, electricity, coal, etc., the electricity bill is more than 1,000 in the summer and winter, and two to three hundred in the spring and fall. The water bill once every two months is probably less than 200, gas 100 or so dollars. The expenditure is basically zero. The average person who goes out to eat 2 times a week, not counting the kids, spends 200 per person, and then orders takeout and so on, so that adds up to about 4000 a month in terms of food expenses for us.

Other is my wife and I work meals, I can basically bring meals on the takeaway, wife point takeaway more than an average of 40 a month, then 800, plus I occasionally point to count him a ****1000 a month. Children's milk powder money A2 Australia trust people to bring back to the country a can of 300 plus shipping costs, a can a week almost a total of 1500 a month.

My fixed pocket money a month 2,000 for living and socializing, buy annual tickets to Hong Kong, buy books and so on. It's drawn from my wife's paypal after I turn in my paycheck each month.

Wife's monthly salary is all used for living expenses, she likes to buy all sorts of useful useless things, so basically eat all the use. This calculation shows that her average monthly net income of 16,500 - 3,000 fixed costs - 4,000 food costs - 1,000 work meals - 1,500 milk powder money - my pocket money 2000 probably more than 5,000 will be used in a variety of shopping, including children's expenses.

Rent 90,000 used to travel abroad two to three times a year, and small long vacations around. My income is in principle pure savings, more than 300,000 a year. I don't have to worry about my parents, my retired paycheck plus the dividends from the Enterprise Retirement Management Committee add up to more than 20,000, and my wife's parents' retired paychecks add up to more than 10,000," he said. The first one is a 10,000 yuan red packet, the child has a new year's money, counting up to just offset.

Second, Ms. Xie

Coordinates of Guangzhou, a family of four, the child older 9 years old, the younger 4 years old, a year costs as follows:

First: mortgage. 2000 * 12 = 24,000, the house is ten years ago to buy the wedding house, thank goodness early to buy a house, 10 years of time the house rose nearly ten times, if you buy now. buy now, certainly can not afford it.

Second: daily living expenses. Mainly wealth, rice, oil, salt, soy, vinegar, tea, milk and fruit, this month in about 3,000, a year down 36,000 yuan. Third: insurance. One of the social security of two people 30,000 per year, commercial insurance four people 30,000, my wife and I are opening a husband and wife store, so the social security will have to be all out of their own.

Fourth: education. The oldest is 9 years old to read the third grade of elementary school, although compulsory education, but a year of remedial classes at least 20000, the oldest two kindergarten a year is also almost 20000, the oldest good grades, if the junior high school can be picked up by the famous school, a year of at least 50000 tuition plus 10000 living expenses. Fifth: medical expenses. Because it is an only child, there are four old, under two small, a year at least to expect 20000 medical expenses to honor the hospital. Sixth: human contact. Both parents a month 1000 * 2 * 12 = 24000, New Year's red packets 10000, usually participate in a variety of banquets red packets 10000, add up to 44000.

Seventh: the cost of car. 300000 car, annual depreciation of 30000 +8000 insurance, home from the unit of 30 kilometers or so, the cost of 50 per day, a year down 18000, add up to 56000. It is 56,000. eighth: online shopping. Taobao Tmall Jingdong Amazon add up to no less than 20000 yuan per year. Ninth: traveling. Family travel once a year, spending about 15,000 yuan. Tenth: other miscellaneous expenses. Property costs 3,000 a year, water, electricity and gas costs 4,000 a year, telephone costs 3,000 a year.

The above so the costs add up: a year need to spend 355,000, the current family income is barely 30,000 a month, 360,000 a year, just enough to spend.

Third, Ms. White

Coordinates Beijing, a family of five, a 140 square feet of house. The child on the kindergarten class, kindergarten more than 50,000 per year, interest classes plus English and math thinking 5.1 a year, paid in advance of the preschool occupation fee of 50,000. A year even 150,000, in fact, a little more, not counting some of her classes with the stored-value consumer card at the mall, a playground, catering three. The mortgage is 5,000 a month, 60,000 a year.

My car is already 8 years old, no money to change, this year, pregnant with the second child, large insurance once 15,000. Two cars of gas, maintenance, repair, parking fees *** 40,000. To the in-laws monthly grocery household 3,000, counting other utilities gas 50,000 a year themselves and their husbands 5,000 a month pocket money, 60,000 a year, the husband is very frugal. The whole family's annual net expenses 340,000 now.

In 17 years, when the house exchange decoration and appliances plus rental spending 550,000, so repayment of 17 years of debt 20. no travel expenses, summer vacation 11 winter vacation is to send the child to the beach grandma's home. Go back to the various relatives to send gifts, go when relatives also give money to give gifts, no cost. Suburban parent-child hotels went once this year. The year consumption of 350000, plus foreign debt 20, basically nothing balance, is to maintain the basic life. 19 years will be on maternity leave income lower, consumption will also follow the drop.

Ugh, the big city is not easy ah