Why do many families around us live in simple living with an annual income of around 300,000?

Because my family's annual income is 600 thousand, but I still live a simple life.

First, drive.

My car is 1.5 million.

There is no luxury car.

Our colleagues are all BMW Audi or something, while I only drive cheap cars.

Second, dress.

Two days ago, my colleague called me and said that I bought 20 thousand clothes last year. And I only bought a down jacket from Taobao for the New Year, 500 yuan.

Third, bags.

I only have a bag of more than 10 thousand.

Usually, carry a canvas bag.

Fourth, cosmetics.

I will use domestic brands. For example, Hua's Perfect Diary. Because I don't use it very much, the expensive one will expire.

There are hundreds of skin care products at most, and no big brands are needed.

So, I look simple, without luxury and dress.

Why is this happening?

1, my parents have a great influence on me.

I will get an education if I buy a little something.

My husband doesn't care about my money.

So as a poor middle-aged woman, she can only spend her own salary.

I feel insecure.

Therefore, my annual income is about 6.5438+0.5 million, only half at most.

In other words, although the husband earns a lot of money. But because the flowers can't be spent, I can only get something to eat. Therefore, my living standard is spent according to the annual income of 6.5438+0.5 million, which is simple and fundamental.

3. consider for the children.

Two children, the cost of education is quite high. Of course, my husband is the main breadwinner, and I have never taken care of him.

However, due to my distrust of my husband. So I'm worried that children will be more stingy when they grow up and won't give money to their wives.

So I often calculate a cost, that is, if my husband doesn't exist, I will bring up my two children myself and raise them.

It is very expensive for two boys to marry a wife.

Although all my houses are ready-made, it will be difficult to operate if my husband and I divorce and divide the property and want two children.

This belongs to being prepared for danger in times of peace.

Finally, in case people think my husband is a bad person, I have to say that he is quite reliable.

I'm not simple.

I spend 8000 yuan a month, eating, drinking and having fun, which is very comfortable. I won't save 8,000 yuan a month on the premise that the family expenses are all my husband's.

Because all the money is spent on eating and playing, it seems that life is not exquisite.

Therefore, I am the legendary person who lives a simple life.

With two children at home, they can only live a very simple life with an annual income of 300,000. The average income of my family in recent years is about 600,000 yuan, which is higher this year, which is more than 70 yuan. But I have been living a very simple life, mainly because my parents are in the countryside. Our urban generation has no family resources, so we buy our own houses and cars, and all the money we earned in the early stage is filled in these hardware facilities. Only these two years can I save money, but I still dare not spend it boldly. I feel insecure because of family reasons, so I just want to save money. The goal of our five-year efforts is to save 500,000 yuan a year in addition to the annual expenses. Let's talk about our annual expenses:

Mortgage: 5869 12=70428 yuan: this is the loan fee for our own house, which was bought at the lowest price in 15 years, so the expenditure is not too much, and the rental house is the full amount.

Children's education (extracurricular classes): 50,000 yuan; Two children, one in grade five and one in grade one.

Oil premium for two cars: 36,000 yuan; The cost is mainly my husband's seven-seat car, which consumes a lot of fuel. Mine is a five-seater car, which only drives when it is windy and rainy and it is cold in winter, so the cost is low.

Ping an insurance iconcon: 24,000 yuan; This is the commercial insurance fee for our family of four, including my husband's amulet, my peace and happiness, and the happiness of my children, all bought seven years ago.

Parking space rent: 5,000 yuan; There are two cars in our family. Buy a parking space and rent one.

Property fee: 450 12=5400 yuan; Including the management fee for the self-occupied property and the parking space you bought.

Water, electricity and steam heating network: about 8000 yuan; I didn't count it carefully, maybe it's more than that.

Diet: 3500 12=42000 yuan; Including buying vegetables, fruits, meat, eggs and milk, and going out to improve your life on weekends or festivals is probably enough.

Clothes and shoes: 8,000 yuan; This is the expense of a family of four. Children grow fast, and all their clothes and shoes should be changed every year. My husband doesn't spend much money on clothes, because he has to wear office equipment six days a week, and most of them are purchased and supplemented by the company. The variety of office equipment is complete [covering his face]. In the past two years, I am only willing to buy two pieces of clothes with more than 1,000 yuan occasionally.

Skin care cosmetics: 8,000 yuan; I grew up poor, but I also love beauty. I have been trying to use skin care products.

Book purchase fee: 3,000 yuan; My daughter has bought books with a price of 1000 yuan every winter and summer vacation since she was in primary school, so the family always keeps adding bookcases [covering her face].

Respect for the elderly: 15000 yuan; At present, both old people can still make money to take care of themselves. Apart from this year's father's surgery, we usually don't spend much on this, but the cost of human exchanges has increased in the past two years, especially during the Spring Festival.

Other temporary expenses: 5,000 yuan, such as temporarily receiving a friend and family, buying a toy and a small household appliance, kitchen utensils and even a bookcase for the child.

By the way, there is also travel+entertainment (watching movies): 5000 yuan. In the past two years, the epidemic was basically in Zhou Bianyou, so the cost was relatively low. My family's entertainment is to watch movies occasionally.

On the whole, the total daily expenditure for the whole year is 284,828 yuan.

I wonder how much our family of four spends in Zhengzhou. In fact, apart from the hard expenses such as mortgage, car, children's education, insurance, property fees, water and electricity network, I dare not say that I really didn't waste money on careful calculation and have been living a very simple life.

An annual income of 300,000 is not too much. There are a lot of tuition fees and daily necessities for children at home. We have to raise a car and a house.

Plain is the real life! Long-flowing happiness can last! Cloth warms vegetable roots and tastes long ... What's more, the annual family income is 300,000, which is relatively tight in first-tier and new first-tier cities, and it seems that you can only live a simple life in second-and third-tier cities!

300 thousand, it sounds a lot, but it costs nothing!

Except that there is no mortgage, young people who earn high income as soon as they graduate from car loans are like us. The annual income of our struggling families has reached around 300,000, and they are over 40 years old. In recent years, we have started from scratch, even a blade of grass and a thread have been earned by ourselves, and we have developed the habit of thrift.

Everyone has less than 200 thousand cars, and there are not many cars. Carpool if you can. The house has been improved, but most of them still have thousands of mortgages to pay. They caught the last bus to have a second child and rushed to have a second child, only to find that their parents could not help. We must treat them with various chronic diseases. They have worked hard in the countryside all their lives, so they need to give some pocket money. Bite your teeth and hire a nanny for two years, which costs more than half of a person's salary every year. It's hard to wait until Erwa goes to kindergarten, and Dawa's high school college costs a lot of money. Moreover, it is found that Dawa has to tutor Erwa's various interest training classes alone during the holidays, which costs 30,000 to 50,000 a year. Seeing that children of the same age have gone to work in other cities and want to get married in the future, I can't treat her badly. I have no confidence to save some money. I'm thinking about it. My baby dad has been transferred to other places, renting a house for several years, and buying a house with his teeth clenched. You can't get a penny back when you buy a house. The mortgage is so heavy, do you think I'm deliberately keeping a low profile? I asked my colleagues to cut my hair and dye it. After the Chinese New Year, I went to be a volunteer, and my sister in the unit helped me with my manicure without spending a penny. [Cover your face] [Cover your face] [Cover your face]

I earn150 thousand a year, and I carry a plastic bag or a bag in my hand every day, which is too heavy. There are two oceans in cold weather, a lukewarm electric car, a bottle of water and a bottle of milk for skin care. A down jacket for one or two years. In addition to underwear tops, clothes are basically wearing tooling. There is nothing unfair about eating. No, I just want to live this casual life.

The annual income of a family is 300,000, which seems to be not small, but it is more than 20,000 per month on average. If you consider your children going to school, then buying a house, or even buying a house in a big city to settle down, then you can understand it simply.

It turns out that a friend lives in a fourth-tier city. The couple have a high income. The family earns more than 400 thousand a year, but they are still very frugal. They usually drive a car of 100 thousand yuan for ten years. They are not very particular about their clothes. They are all ordinary brand clothes made in China, and hardly buy any brand-name clothes. They feel very low-key Neighbors and friends are also curious about why this friend is so frugal.

Later, this friend's child graduated from college and was assigned to a first-tier city and entered a better unit. The salary was not bad. At this time, my friend made a move, which shocked the neighbors a little. This friend sold two or three houses in second-tier cities at once, and then bought a house for his children in first-tier cities with 78 million yuan. Although the house is not big, it also has 80-90 square meters, which is enough for children to settle in this big city in the future. Moreover, it is said that this friend has a small house in a first-tier city.

At this time, everyone may understand why the couple are always so frugal. In recent years, this friend has lived frugally and has been saving money. Every year he saves about 300,000 to 400,000. Then I bought three houses in the provincial capital city more than ten years ago, and also bought a small house with dozens of flats in the first-tier cities. Then wait until you have money, and then manage your finances steadily. In this way, through these years' efforts, the couple have a deposit of more than12 million, and their total assets have basically exceeded10 million.

Now this friend has begun to prepare for retirement. Although the salary at home is still quite high now, it can reach 300 thousand to 400 thousand, but I still drive 100 thousand cars to work every day, and then the couple are still very frugal. Save the money and do some financial management. I can save about 200 thousand to 300 thousand every year, and with the increase of deposits in the future, my friends' future life will definitely get better and better.

To sum up, there are many people with an annual family income of around 300,000, but they are still very frugal. The reason is that these people have been rushing upward and want to settle in a better city and live a better life.

At present, my family's annual income is almost 300,000, and my husband is 200,000, and I live a simple life. Two children need to spend money, insurance, human feelings, two car insurance, burning oil. My family's plan is to save money by myself, and my husband's money will basically be spent in one year? There's not much left.

Let me talk about my simple and anxious life.

This income seems to be basically the same as my current income. My income may be a little more than this, and there is a certain increase every year, but this range is far from solving my anxiety.

Located in the magic capital of Shanghai, the renters moved from Chongqing to Shanghai in 2020, and they are not qualified to buy a house for the time being, and they do not have enough savings to support their strong willingness to buy a house. Therefore, the existing salary is insignificant compared with millions of real estate, which is the root of anxiety and simplicity.

There is a baby boy at home. I study in a private kindergarten in the food market. I dare not sign up for any extracurricular classes. I only signed up for one online English course. Because of his busy work, he often can't supervise his normal class, and he only punches in occasionally on weekends.

Personally, I have always wanted a soft and lovely female treasure, but with the existing income and work intensity, I dare not give birth. If you are not born, you may not be born, and you are often anxious.

Food and clothing: I usually go to the supermarket on weekends to supplement the oil, noodles, rice, fruits and meat I need at home, and occasionally buy some clothes for the elderly and children at home in the comprehensive supermarket. After all, I can't afford an expensive place. Therefore, almost none of the clothes of the elderly and children at home are so-called famous brands. Because the old people's legs and feet are inconvenient, they will be carefully prepared. Generally, they only need a few hundred yuan, and the most expensive one does not exceed 1000 yuan. They may buy one or two pairs a year.

I haven't bought a bag since I came to Shanghai. I usually just carry my computer bag to work. The only bag of about 5000 yuan was also bought in Chongqing. I don't usually carry it. I often use it on weekends. When I was in Chongqing, I spent several hundred dollars on a small CK.

Clothes range from hundreds to dozens. One thousand coats and down jackets were also bought in Chongqing. Occasionally buying clothes at ordinary times is basically under control, but occasionally buying dozens of pants in Taobao. Shoes are basically bought at the counter, and they are basically hundreds of dollars. Life has nothing to do with luxury goods. And I feel much harder and more anxious than when I was in Chongqing.

The skin care products you use are probably the most expensive items you use, basically Lancome and Estee Lauder. After all, now is the era of looking at faces, and strength is as important as faces. Even though I know that I won by strength, I dare not be sloppy in skin care in order to continuously increase my income in the future.

Live-live outside the outer ring, the monthly rent is controlled within 5000 yuan, and there is a mortgage to be paid in Chongqing. This part of the expenses is basically paid by my husband every month. The house in Chongqing is our wedding room. Just finished decorating, because of work, my family moved to Shanghai. In fact, my husband and I both worked in Shanghai before going to Chongqing, but we didn't know each other at that time. Later, we moved to Chongqing with our company. Where is the introduction?

Going to Chongqing with my company should be the most wrong thing I have done in my life, but I didn't think so at that time. That is, when I went to Chongqing for 8 years, I missed the low house price in Shanghai. When I came back this time, I found that my colleagues, friends and classmates who had stayed in Shanghai all had their own houses, no matter how far or near, at least they had a fixed home. And we, the two people with the strongest working ability at the beginning, finally became two people who couldn't afford to buy a house in Shanghai. It's really hard to predict. But if I hadn't gone to Chongqing, maybe I wouldn't know my husband now. Life is basically a different experience.

Fortunately, the two are like-minded. After experiencing the stable period of work and the bottleneck period of career promotion, they consciously chose to start over. After two months, I came to Shanghai again.

Hengyu brand scooter is about 654.38+10,000 yuan. I usually drive to work, and my husband rides an electric car to work. Mainly because the place where he works passes through the inner ring, where the number of foreign licenses for elevated roads is usually limited. Even if I drive to and from work, I can't stop at my own work park, because the parking fee is too expensive, 80 yuan a day, and I really can't afford to stop.

The root of consciousness anxiety comes from the desire and dissatisfaction with real life. Like me, food, clothing, housing and transportation are more casual, without deliberate pursuit. But because I live in a rental house, I feel no sense of belonging. Especially recently, the landlord intends to sell this house, and the intermediary comes to see all kinds of people who intend to buy a house from time to time, which further aggravates my anxiety.

Work can be regarded as something I have been striving for for for so many years, and the past gains are also ok. However, due to the lack of job-hopping experience, it is difficult for me to ask for a job title, and the overall management of the company tends to be flat, which weakens my accumulation for so many years, leading to my friends and business colleagues who later joined the company becoming their own bosses. Moreover, my previous company is the benchmark of the industry, and my team belongs to the existence of the strong, and has always disdained other friends and other teams. Suddenly reporting to people who are not as good as friends, I always feel that I have failed the training of my previous company and my efforts for so many years. Even if I am the best player on the team now, what is it? The overall level of the team is not high. I plan to find new opportunities after the Chinese New Year.

This should be the root of my low happiness index. After all, I regard work as my career, and I have paid the most in recent years.