Netizens Bask In Household Bills: Raising Children Is More Than 10 Times More Expensive Than Retirement.

Recently, there was a public post.

Liu Pingping is 45 years old and works in a public institution. Her husband is a private enterprise manager.

"It's fair to say that our family income is not very small, but since buying a house in 2010, life has become very tight."

In order to reduce expenses, Liu Pingping began to have the habit of keeping accounts last year.

A few days ago, Liu Pingping turned over the account book of 2011.

"Son is now studying art at University, whether tuition or daily expenses are very large."

The reporter saw in Liu Pingping's account that his son's tuition fee is 10000 yuan per year, the cost of learning materials is 5000 yuan a year, the monthly living expenses are 1000 yuan, the purchase of four seasons clothes is 5000 yuan, the cost of illness is 1000 yuan, the mobile phone bill is 800 yuan, the mobile phone 2500 yuan, total 36300 yuan.

Compared with the cost of sons, the expenses of parents in the countryside seem to be

After seeing the two disparate expenses, Liu Pingping felt very guilty.

"Every time you buy clothes for your parents, it's a little expensive to glance at the price tag, and we don't hesitate to send it to him whenever he asks us for money."

Liu Pingping said that her parents are nearly 70 years old, and she will be filial piety and filial piety.

After 70

110 thousand in the year is not enough.

Gao Xia, born in 1976, is a middle-level manager of a Korean enterprise in Chengyang. Her husband runs a clothing store in Jimo.

"This year's clothing store business is bad, he can earn 30 thousand yuan, I earn 80 thousand yuan this year, add up to 110 thousand yuan."

Gao Xia listed a list of expenses: 3800 yuan for children, 3600 yuan for trusteeship and 2600 yuan for daily consumption =10000 yuan, 1300 yuan per month for living expenses, 12 yuan for =15600 months, 20000 yuan for entertainment expenses (with members, gifts, gifts, etc.), three yuan per month to visit elderly people 280 yuan, 3 times x 12 months (including normal consumption for buying drugs and clothes for both parents) =10080 yuan; vehicle loan 1500 yuan x month =18000 yuan; mortgage loan yuan yuan =4800 month; property management yuan yuan; at the end of the year, a small project was invested in yuan, and household expenditure was RMB yuan in one year.

"In fact, this is only a large amount of money that can be expected now. If you add some usual small expenses, such as parking fees and fuel costs, the cost of this year will be almost 140 thousand yuan."

"It was a little annoyed to calculate, but I didn't think that after working hard for a year, not only did I not save money, but I still had to eat old books."

Gao Xia said, in order to understand the urgent need, last year at the end of November, she took out time deposits at home.

After 80

One year did not save 5000 yuan.

Xiao Wang, who was born in 1987, graduated in 2010 and worked in a securities company. He looked at his performance and got a salary. When he was good, he could get 6000 yuan a month. When it was bad, it was about 2000 yuan, and he paid about 40 thousand yuan a year.

"My salary level is not high but not low, but I haven't saved money in a year."

Xiao Wang said.

Xiao Wang reckoned that in the past year, his rent was 500 yuan a month, 6000 yuan a year, and 3000 yuan a year for utilities, gas, heating, Internet, pots, pans, pots and pans. A mobile phone was 2000 yuan; the annual telephone fee was nearly 1000 yuan; the monthly fee was about 800 yuan, and the monthly cost was about 10 thousand yuan. In the first quarter, clothes and shoes were traded for about 1200 yuan a year, nearly 4000 yuan a year.

Six months ago, my girlfriend went to work in Beijing. I went there for 2000 yuan, and I went there 2 times.

Such a reckoning does not leave 5000 yuan a year.

Xiao Wang said that he had not bought a house. According to the current situation, he wanted to buy a house in Qingdao. He could only depend on his parents. "But the parents are farmers, not much money, and they want to buy a house for the time being."

Weapon

Mandatory savings save a lot.

Although age is different, many people are dissatisfied with their income and expenditure.

Professor Liu Tongchang of the Academy of Social Sciences believes that "at present, some young people may be unable to make ends meet, which should be related to their consumption concept and has a certain relationship with the current price growth too fast."

Professor Liu said that if we want to solve this phenomenon, young people themselves need to establish a good consumption concept.

"In fact, this is a question of consumption habits and concepts."

Mr. Cao, a Qingdao branch of the Bank of East Asia, said that as an ordinary wage earner, it is impossible to get rich overnight. In order to accumulate wealth, there must be a reasonable habit of financial management and consumption habits. The most practical one is mandatory savings. "For example, a zero deposit, a monthly payment insurance or a fixed investment fund, so that every month, part of the salary will be forced to save. There may not be many two months in a month, but after you have 5 or 10 years, you will find that you have accumulated a lot of wealth.

And how much you spend every month, according to your actual income and plan, for example, if you plan to get married or buy a house after 5 years, you can figure out how much money you need at that time, and then calculate the amount of money you need to deposit from now on.