How does it feel to earn 40 thousand a month?

The monthly salary is 40 thousand, and after tax is about 35 thousand. I keep two meals a day in 50 yuan and go out to eat in 300 yuan every week. I rent 4,400 yuan a month or share it with others. ) water and electricity 100, daily necessities 100, fruit 400, monthly payment of my old house 3000+6000, and car loan 3000.

Popularize tax knowledge to those keyboard players,

First of all, Beijing now pays taxes according to its annual gross income.

Second, before 202 1, it will still be divided into 12 months' total salary and year-end bonus, and then pay taxes separately.

3. Special deductions: rent in first-tier cities10.8 million, mortgage10.2 million, support for the elderly over 6010.2-24 million, education for children10.2 million, continuing education of 48 million, and the upper limit of serious illness medical care of 80,000.

Fourth, the threshold is 60,000.

No pension, no children, no disease, no plans for continuing education for the time being. Between rent and mortgage, I definitely choose rent. The dispatched workers do not have Beijing social security, Shenzhen social security is 200 per month, and the three insurances are monthly 150. Donating money to 30 yuan every month is basically negligible. The total tax payment is 48-6-1.8 = 402,000 yuan, and the annual bonus is 5,000 yuan per month, totaling 60,000 yuan. The remaining 342,000 yuan is 53,580 yuan, totaling 57,060 yuan, and the average monthly tax payment is 4,755 yuan. After tax 35245. Plus the part just ignored may be a little more, but the gap is very small.

Because I am a special case, I will give these keyboard men a normal person. The total monthly provident fund is 3,334 yuan, and the social security five insurance is about 3,000 yuan (roughly, I'm not sure how much I actually contacted, and Baidu didn't find it, so you can teach me in the comment area I know), that is, 6,334 yuan per month, 76,000 yuan per year, and the tax is 48-6- 1.8-. Non-year-end bonus is 326,000-66,280, total tax payment is 39,760, average monthly tax payment is 33 13, salary is 30,353, and after-tax income is 30,353+3334 * 2 = 37021. Special tax reduction and exemption, like mine, only calculate the rent. If there are other tax breaks, the actual tax paid will decrease and the income will increase.

Then please respect those keyboard men. If they don't understand, they can look up or ask for advice. Don't be so conceited.

With a monthly salary of 40 thousand, a family of three lives like poor peasants in Shenzhen. It is no exaggeration to say that dead wages have no future.

My husband used to be a marketing director in a listed company in Shenzhen, with a monthly salary of 40K (before tax). After giving birth, I will be a full-time housewife at home, with a house, a car, a loan and no money.

Monthly large fixed expenditure: mortgage 6800, car loan 1500, insurance 4000 (the whole family bought commercial insurance), and car insurance payment 1000, totaling 13300.

Monthly living expenses: 2,500 yuan for meals (cooking at home, he brings meals at noon, and occasionally eats out), 2,000 yuan for children's milk powder, 0,000 yuan for clothes, shoes and toys (mainly for children), 7,000 yuan for gasoline parking 1 and 500 yuan (including fines, and old drivers are often given tickets).

Monthly expenses for going out to play: parent-child tour 2000 (weekly expenses for taking children to amusement parks and zoos), friends gathering 1000 (mainly playing cards, keys are often lost), almost 3000.

Education expenditure: My child signed up for two training courses, 30,000 yuan a year and 2,500 yuan a month. I signed up for a painting class, 500 a month, a total of 3000.

Ethics: Although I am not at home, my relatives are not broken. It is okay for people not to go back, and the money is still there. Every year is about 10000, and the monthly share is 1200.

Other expenses: I get sick occasionally, my fingers itch occasionally when I go shopping, and I lose my wallet occasionally. Let's count it as 2,000 per month.

After a month, these basic expenses alone will cost 30 thousand yuan. After deducting personal income tax, social security and provident fund from the pre-tax salary of 40,000 yuan, there are 5,000-8,000 yuan left, and less than 50,000 yuan can be saved in one year.

Hurun Research Institute once published the White Paper on the New Middle Class in China (20 18). The standard for defining the new middle class is that the annual household income should reach 300,000 and the net assets should be more than 3 million.

From this perspective, we are barely qualified with a monthly salary of 40 thousand and a house and a car. In the eyes of hometown people, we are rich, but who knows that we are really not even as good as rural wage earners!

Take my hometown as an example, a county that is not easy to find on the map. The couple make clothes for people outside, earning about 20 thousand a month (pure, eating and living in the factory, children in their hometown), and can take 200 thousand home every New Year.

Look at us, the middle class in other people's eyes, the rich in big cities, dare not resign, dare not get sick, dare not spend money casually, even so, the annual income is not as good as that of wage earners who graduated from junior high school! There is no discrimination against wage earners here, it is purely a sad expression.

So, do you think you will wake up laughing in your dream with a monthly salary of 40 thousand? Actually, the sadness in my heart is a river! With this salary, you are just a poor peasant in a big city, and you can't see the future at all!

Tell me how much money you earn every month and what kind of life you live, which makes me happy!

How does it feel to earn 40 thousand a month? I accidentally brushed this question, so I tried to answer it. When it comes to feelings, 40 thousand is really stretched.

Coordinate Guangzhou, my husband is a code farmer, and the bottom of the Internet company is a code farmer. The monthly salary is close to 40,000, but less than 40,000. If you count the year-end bonus, you can reach 40 thousand+(before tax) every month. In first-tier cities, it is a middle income. I am a stay-at-home mother and have two children, one is 6 years old and the other is 1.5 years old. It is planned that my daughter will go to kindergarten at the age of 2 and I will go to work.

Calculate an account first, monthly:

Disposable income: before tax, 40,000 yuan, and the deposit of provident fund is paid according to the highest base in Guangzhou, with a monthly income of 6,000 yuan+. After deducting social security, provident fund and individual tax, if it is less than 30,000 yuan, it will be calculated as 30,000 yuan.

Expenditure:

Monthly balance: 30000-4700-500-3000-2000-1000-1000-1000-/000-500 =1500.

This is only a conservative surplus, and the actual discrepancy is much larger than this. If you add the mortgage in Guangzhou, it is estimated to be moonlight or even negative. There are old people in the world and little people at the bottom. The debt of the 35-year-old middle-aged man broke out.

So, what do you think of a monthly salary of 40 thousand? Mixed feelings. I am even more afraid of sudden unemployment, and the gap is huge. Living in a first-tier city, pressure and crisis coexist. If you want to live a better life, you can live a decent life only by constantly improving your earning power.

I'm really sorry about Wukong's invitation to me. Although I am over 60 years old, I am also engaged in labor and personnel management when I am on the job. And the friends around me earn only three or four thousand yuan a month. Even if I live downstairs, there is a retired veteran cadre before the founding of the People's Republic with a monthly salary of just over 10,000.

Or maybe I am ignorant and have too little contact with the world. People with a monthly salary of 40 thousand really haven't touched it, and I don't know what it feels like.

However, in my imagination, it must be Gao Fushuai, living in a luxury villa, driving a luxury car, well dressed and generous, and every meal is delicious. His aura is overbearing, white and beautiful, silly and sweet or stubborn. And I often go to high-end hotels and make friends with upper-class people.

To tell the truth, my monthly salary is 40 thousand, which is my one-year pension. It seems that there is no hope in this life.

Hello, jumper? I'll join in the fun! To express my personal opinion, I think: your problem needs to be divided into regions, depending on the actual situation, and it cannot be generalized!

For example, people who work hard in the super first-tier cities in the north, Guangzhou and Shenzhen have an annual salary of several million. Your monthly salary is less than 400 thousand, which can only be regarded as middle income at most. If you are a foreigner, have a wife and children at home, and have to pay off the mortgage and car loan, your money is basically not enough, and life should not be easy!

If you live in a developed second-tier city (standard new first-tier city), and you are a native of my local household registration, you already have a house and a car at home, and your family members have a good income. Both parents have pensions. Your monthly salary of 40,000 yuan should be regarded as upper-middle income, and you can live as you want! Rich and happy!

If you live in an ordinary 345-line city, there are private houses or commercial houses at home, four wheels with several cars, parents and wives have a good income, and children's expenses are not big, then your monthly salary of 40 thousand should be regarded as a wealthy family with high income! You are an out-and-out rich man, and you can enjoy your life as you like and entertain yourself beautifully! My answer is over. If you don't like it, don't spray it. Welcome your comments and suggestions! thank you

Coordinate Hangzhou, my husband is a standard farmer, with a monthly salary of about 40 thousand before tax. There is a baby at home, less than one and a half years old, who is currently taking full-time care.

The monthly expenditure is about

1, a suite in Xihu District, the monthly payment is close to1.4000, and the water and electricity of the property are paid in 500 yuan every month, and the full amount is paid for the car, the gas fee for going out and the parking fee&; I need to take a taxi occasionally, which adds up to 500 a month.

Total: 65 438+0 005

2. One-and-a-half-year-old baby at home, more than 300 cans of milk powder, 3 cans per month, milk powder 1000. In fact, there are more than 6 diapers a day, one in 2 yuan and one in 400 yuan a month. Cook two meals a day separately. Fish and shrimp take turns to eat every day. Cod, live shrimp, ribs ... the noodles are also children's noodles bought separately.

Total: 4,500

I didn't sign up for the early education class because it was too expensive.

My husband and I have living expenses every month, plus meals and a small amount of clothes, which is estimated to be around 4000. If you go out to eat occasionally on weekends and don't want to cook at ordinary times, it's called takeaway. Do it yourself at home when you have time.

The salary of 40,000 yuan before tax, after deducting the duty and expenses, is about 10,000 yuan at most.

This is not a special case.

Therefore, with a monthly salary of 40 thousand, you can't afford to have a second child, let alone lose your job.

Third-tier cities have no children, no houses and can fly;

Third-tier cities have children without houses and can run;

Second-tier cities have no children and no houses, and they can walk;

Second-tier cities have children without houses and can stand;

First-tier cities have no children, no houses, and live;

First-tier cities have children and houses, kneeling;

There are children in first-tier cities who have no houses and lie down.

Simply calculate, after tax is about 32,000, plus the maximum provident fund, a family of three is about 38,450 a year, and a 90-flat house mortgage is 22,000, which is 260,000 a year. Car maintenance plus parking fee is about 25 thousand. Children's education is about 60 thousand. The daily expenses at home are 80 thousand. Sickness plus insurance, 25 thousand If you have a whole tooth, it will be negative under travel [tears]

How does it feel to earn 40 thousand a month? I think there are two kinds of people who ask this question: 1, whose income is not high, but full of ideals, I hope you can reach and surpass your ideals; 2, low income, no ideal, in a dreamy state, I suggest you act quickly and strive for a monthly salary of more than 40,000.

Tell me about myself and share it with you!

1998, graduated from college, and then found a job and found my current company. I just joined the company, and my income is 700 yuan's monthly contract. I became a technician after half a year, and my income reached 1200 per month. At that time, I was single and had no friends. Apart from sending 100-200 to my family every month, it's basically enough for me to live.

In 200 1 year, the company cancelled the original so-called file salary and implemented post salary, with a monthly salary of 1700 yuan and 20 13 years. Successfully passed the intermediate examination and became an engineer. The monthly salary rises to 1900 yuan, and with other expenses, it is about 2 100 yuan.

In 2003, when the child was born (I didn't dare to have children before), my life was even more difficult. Fortunately, I worked as a workshop director in a workshop that year, with a monthly salary of 2900 yuan, plus various expenses, my income should be around 5500 yuan, and my life sales have eased. This situation continued until 2009.

In July 2009, the company won the bid for the largest Saudi project in the world, and I was lucky enough to work in an international team. The on-site subsidy is about 2 weeks per month, and the average monthly salary is about 2.7W, based on domestic wage income. Then I worked until May of 20 14, during which I bought 700,000 houses and 250,000 cars (Volkswagen Passat) in Guiyang for my wife to live in.

From July 2065438 to July 2004, I worked in Saudi Arabia, and my basic income was almost the same as before. Until July of 20 15, I was promoted to mechanical supervisor, and with various expenses, my monthly salary was just over 4 weeks. Until now, my income is basically like this. In the meantime, I bought a villa at a cost of1730,000 (currently in the state of loan). At present, the monthly loan repayment is about 2W.

To tell the truth, in these 20 years, from 7 million to 40 thousand, my mentality has changed greatly and my life has changed greatly. Because the economy has improved, family members have traveled more, helped relatives and friends more, learned more, earned more and spent more.

However, my heart hasn't changed much, for example, I still save, I still don't want to dress up, I still don't want to go out for many occasions and so on. It may be personal reasons or personality reasons. After all, I earned it slowly with one hand and one foot, so I cherish it!

The coordinator works in a fourth-tier city in Guangxi, with a monthly salary of about 23,500 yuan, a monthly salary of 4,000 yuan for both sides of the housing provident fund, and a monthly allowance of 5,900 yuan for business travel and accommodation. During the epidemic, he owed more than 400,000 for some reasons. The monthly mortgage and credit card debt is about 23,500 yuan, which has never been overdue. The rent and living expenses are 25,000 yuan, and at least 30,000 yuan is given to the girlfriend every month. I have a car and no loan, so I can't take out the housing provident fund for the time being and try to pay it off in the middle of next year, so I dare not have other consumption or get married, otherwise it will be difficult to pay off this debt.