The annual family income exceeds 200,000. What level is it in Yantai?

At present, the annual household income meets the requirements of the topic. The couple are both 35 years old and have a 4-year-old baby. Wife's bank is compiling, and this year's income is about 65,438+10,000, and individuals have to pay the provident fund 1000 every month. Individual foreign companies have a good year this year, with 400,000 yuan before tax and 300,000 yuan in hand, which is the highest base of Yantai's provident fund, but the proportion is 10%, which is not the highest proportion. Individuals pay more than 1700 a month. In addition, in recent years, sideline business has earned tens of thousands to 200 thousand every year. At present, there is a house in the lowest and highest housing price areas in Yantai, with a total value of 256 million. At present, the monthly mortgage is 8,000 yuan, and the remaining 700,000 has not been paid. In addition, there is a small apartment in the area with the highest housing price in Yantai, worth more than 400 thousand? (Possibly), the income from apartment rental is negligible. Two cars, my wife's Korean car, it is estimated that if I sell it now, I can sell it for 30 thousand? A personal used car, it is estimated that it can only sell 1 10,000 now. There are 500,000 to 600,000 savings left at home (my wife is in charge of the money, I don't know the exact number). If you don't spend this money, your wife can earn tens of thousands of dollars in financial management every year.

In terms of expenditure, individuals are frugal and wives are more frugal. Usually going to the supermarket will compare prices. Use credit card activities to go to the supermarket every weekend, 200 a week. The cost of clothes for the whole family is estimated to be no more than 5,000 per year (the wife works in overalls all the year round and buys less clothes). I rely on Taobao to solve it, and the average year will never exceed 1000). The cost of wife's cosmetics is not clear. Maybe two or three thousand a year? I encourage you to spend more money on this. Children go to ordinary public kindergartens, and the food expenses are about 1000 a month. They have just entered the small class and have not participated in the training class for the time being. It doesn't cost much to take the baby out to eat occasionally on weekends. Personally, I don't smoke, drink or spend money. I can become a Tencent video member at most. The telephone company will reimburse you, and the internet access fee at home is also included in the phone bill, so your own gas company fee can be solved. The electricity bill for one quarter is 200, and the gas bill for two months is about 100. Other expenses, such as auto insurance and personal insurance, should be within 50 thousand a year. Except for mortgage, the annual expenditure of families should not be100000. I don't know if there are 70 thousand or 80 thousand. The expenditure is not too much. If it exceeds100000, it should be considered a bit too much in Yantai.

It seems that the income is ok and the expenditure is not much. However, I feel that Yantai may be able to squeeze into the front 1/3, and there are many people with good conditions. People either have a family background, or they may be in business, and their income can't be compared with that of those who work. When the couple got married, they only had tens of thousands of dollars, and the money for buying a house was borrowed. So until now, they still have a sense of crisis and a strong sense of personal crisis. They often think about what they can do after 40. Some people will say that we are too frugal, but we think it is ok. Everyone has a different understanding of life, and we don't think we are deliberately saving money. We just think that money should be spent in useful places.