The housing loan is calculated at 4000 yuan a month and 48000 yuan a year. The total cost of the car is 1 0,000 yuan per month, only10.2 million yuan per year. During the Spring Festival, 5000 yuan per parent, one year 1000. And living expenses. The average monthly living expenses 1000 yuan is 36,000 yuan a year. A holiday trip to China once a year costs 1 10,000 for a family of three. The training fee for children to go to school is 2,500 yuan per month and 30,000 yuan a year in Xi 'an. Some primary schools and junior high schools are more expensive, and better private schools are all 10 thousand a semester. There are as low as 20,000 training institutions. You have to pay 50 thousand for your study Just spent 6.5438+0.7 million on it, as well as friends' parties, heating costs, property management, water and electricity, and even medical care. In short, the annual income of 200,000 yuan really needs to be saved in Xi 'an, and there is no other income, so it is still very tight.
Tell me about my situation. In Xi 'an, my hometown Baoji City, the monthly expenditure includes the following new items: housing loan, bought at the beginning of this year in 17, with a loan of 550,000 yuan and an annual interest rate of 4.9%. At that time, there was no purchase restriction policy, and there was a permanent 10% discount on the annual interest rate, similar to 4.4 1%. Choose equal principal and interest repayment, and repay the loan 2757. 1000 per month. Parking space loan, the total number of parking spaces exceeds 6.5438+0.7 million, and 50,000 is urgently borrowed, which will be repaid in three years. It is not allowed to repay the loan in advance, similar to the bank credit card, and the loan must be repaid 654.38+0.538 per month. 89 yuan; Living expenses, as for the daily expenses of my wife buying fruits and vegetables at home, the average monthly cost is about 3000 yuan; Diapers, three diapers a day, one similar to 2 yuan, January 180 yuan; Children's milk powder, four cans in January, according to January 1000 yuan; Property management fees, utilities and parking management fees are similar, 200 yuan in January and 50 yuan in January. Last year, Xi introduced a unified parking management fee standard, which was reduced from 150 to 80 yuan per month, making a total of one month of 330 yuan; The cost of buying clothes, my wife's January 1500 yuan (female shopping spree, this is low), I'm in 500 yuan in January, and the total amount is 2000 yuan in January; Public transportation in the working city plus meals for eating out, travel expenses in 300 yuan and meals in 700 yuan (sometimes at home at night), totaling 1000 yuan in January;
If you live in a large flat apartment in Wuhan,150m2 is still too small, so you should be poor. Renting a single room with only one bed in the old city, compared with friends who need to bargain for monthly rent within 400 yuan, everyone is rich; If you want to compare with a friend who drives a BMW Mercedes-Benz, you can only sigh why your car is not high-end; If you compare with friends who go to SKP5~6 times a month, you can feel that wanda plaza is more practical; Summary: If compared with others, Xi 'an earns 200,000 yuan a year, and you can't even afford the comparison. Therefore, it is meaningless to be kind to yourself, love your family and not compare with others. If your family is happy, the annual salary of 20w is only the benchmark to maintain this happiness.