小家庭一個月開銷如何調整? - 婚姻
By Gary
at 2018-09-19T13:00
at 2018-09-19T13:00
Table of Contents
假設小孩送保母一個月花2萬
目前一個月「教育費」3000
送保母的話可以省下來
其他水電什麼的雜費都不變15000
每月花費變成32000
你跟先生各出一半16000
他剩下34000
再扣掉孝親費10000
還剩24000
你的部分
代理教師一個月大概40000多
算4萬就好
但是一年有3個月沒收入
36휹2=30000
你剩下14000
小家庭合計剩下38000
房貸不知道是多少
當作22000好了
剩16000
保險費可能也要個5000
剩11000
每年還要繳所得稅、牌照稅、燃料稅、房屋稅、地價稅等
感覺就算你有收入還是超級緊的
如果改送幼幼班的話
每月平均12000
可以再省6000下來
5萬養全家真的壓力很大
如果你也沒存款的話
有個意外絕對嘎不過來
我覺得育嬰留停是收入夠高或是有做好財務規劃的人做的事
更何況你是離職連6成薪都沒有
要不要考慮再去上班?
一方面減輕先生的壓力
一方面為孩子的未來多存點錢
未來有沒有競爭力不在現在的每個月3000
以後也要有錢才能繼續栽培啊
加油!
--
目前一個月「教育費」3000
送保母的話可以省下來
其他水電什麼的雜費都不變15000
每月花費變成32000
你跟先生各出一半16000
他剩下34000
再扣掉孝親費10000
還剩24000
你的部分
代理教師一個月大概40000多
算4萬就好
但是一年有3個月沒收入
36휹2=30000
你剩下14000
小家庭合計剩下38000
房貸不知道是多少
當作22000好了
剩16000
保險費可能也要個5000
剩11000
每年還要繳所得稅、牌照稅、燃料稅、房屋稅、地價稅等
感覺就算你有收入還是超級緊的
如果改送幼幼班的話
每月平均12000
可以再省6000下來
5萬養全家真的壓力很大
如果你也沒存款的話
有個意外絕對嘎不過來
我覺得育嬰留停是收入夠高或是有做好財務規劃的人做的事
更何況你是離職連6成薪都沒有
要不要考慮再去上班?
一方面減輕先生的壓力
一方面為孩子的未來多存點錢
未來有沒有競爭力不在現在的每個月3000
以後也要有錢才能繼續栽培啊
加油!
--
Tags:
婚姻
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