To tell the truth, how much money can you save a year?

In order to answer this question, I calculated last year's bill specially.

Coordinate Harbin, both husband and wife are 70 years old, and the only daughter is in junior high school. The senior high school entrance examination is coming this year.

I work in an institution. I graduated from Harbin Institute of Technology 1995. I have been working for 25 years. I have an associate senior title. At present, my card salary is more than 4000, less than 5000.

My wife works in a state-owned enterprise, and her current salary is about 6000. Because they didn't work in the first half of the year, their unit income was affected, and their wages were delayed, but they were lucky to be paid in full.

My wife and I add up, and the annual salary of the couple is about 6.5438+0.2 million.

In addition, there are other miscellaneous income, such as rent income, such as my writing income, which adds up to about 654.38 million. In other words, the total income of our family is around 200,000 a year.

The annual expenditure is:

1, living expenses: rice and flour, grain and oil, fruits, daily necessities, etc. About 3000 a month, 36000 a year.

2. Expenditure on clothing: an average of 6,000 yuan a year in 500 yuan.

3. Expenditure on water, electricity, gas, mobile phone, heating and property: about 5,000 yuan a year.

4, human exchange costs: weddings and funerals are accompanied by gifts, the couple is about 10000 a year.

5. Expenditure on supporting both parents: about 654.38+10,000 yuan a year.

6. Business trip: about twice a year, 5000 yuan each time, one year 10000.

7. Eating out: The average annual cost is 500,000 yuan.

8. Mortgage expenditure: buying a house in Daya Bay, Huizhou, Guangdong, and repaying the loan is about 2,850 yuan per month, 35,000 yuan a year.

9. Children's education expenses: This is the biggest expense for families, because the tuition fees in Harbin are also rising. At present, a class in a large class is usually around 120 yuan, while small classes and one-on-one classes are more expensive. A year later, about 50 thousand.

Total of the above items: 3.6+0.6+0.5+1+1+0.5+3.5+5 =167000.

The money saved in one year is: income 200,000-expenditure 1.67 million = about 40,000.

It's really embarrassing to say. After a busy year, I only saved about 40 thousand. Fortunately, I have my own house and don't keep a car. Otherwise, the life pressure in Harbin is too great.

The only daughter is about to enter high school. She went to high school, and the tuition fee is estimated to be higher, which makes her a little worried. However, high school is only three years, so just bite the bullet and get through it. Sometimes it's lucky. Fortunately, it is a daughter. If you are a son, you have to pay a down payment for buying a house in the future. As an ordinary wage earner, he really can't afford it!