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Spending 30 million VND in 1 month

Income 30 million/month just enough to spend

That is the story of Ms. Tran Lanh’s family and her husband (from Thai Nguyen) currently living and working in Hanoi. Both husband and wife are provincial people, living and working in the capital for nearly ten years.

Lanh’s husband works for a technology company with a monthly salary of nearly 20 million, while Lanh works for a media company with a salary of 10 million/month.

The salary of husband and wife combined is 30 million/month. This is an income that is not too high but also not too low to cover life in Hanoi. However, from the day they had a small child, the young couple always struggled with maintaining and balancing their expenses so as not to exceed their income.

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Luckily, there are grandparents in the countryside who raise and grow vegetables, so they send clean food every month. However, the money to go to the market to buy additional things or eat breakfast for Lanh and her husband still lost another 6 million.

Lanh shared: “My family has a husband and wife and a 1 year old baby. Because I can’t buy a house, I rent an apartment for 5 million/month, with 2 bedrooms in To Huu – Ha Dong area. In this apartment, the husband and wife have 1 room to live with their children and 1 room for the maid. The rental price for childcare is 6 million/month.

My wife and I are fortunate to have grandparents in the countryside who raise and grow vegetables, so we send clean food every month. However, the money to go to the market to buy additional things or eat breakfast still costs another 6 million/month. Electricity and water bill is 1.5 million/month, internet bill is 270k/month“.

Lanh and her husband’s children cost another 4 million per month, including milk: 1 million, vitamins and supplements: 1 million, diapers: 1 million, clothes: 500k, snacks 400k.

Because the couple go to work in two different places, the working hours are also not favorable, so each person uses a motorbike. 1 month lost 400k more money for gas.

Grandparents often send food to their children, so each month the couple sends 2 million, plus the wedding and wedding expenses, 2 million more. Other miscellaneous expenses cost another 2 million. Sometimes friends also visit, gathering costs about 800k/month.

A couple from a foreign province living in the capital: Spending 30 million in 1 month, looking for

1 month spending worksheet of a young couple. Nearly 30 million in 1 month, just enough income.

Searching for “red eyes” can’t find any reductions

Looking at the spending table, Lanh couldn’t help but be stunned because for a long time she often wondered “my money doesn’t know where to go”. The income is stable, but since about a year now, when they have more children, the couple has not saved any money.

Lana sighed, “Listed out to know that the couple spend so much money. But honestly, I don’t know where to start cutting, because every account feels necessary and right.

I am also really confused, don’t know if I should adjust my family’s spending or just keep the current way of life. Because wages will not increase, but inflation and spending will increase more and more. If that’s the case, maybe when we’re old, we won’t have a penny to save“.

A couple from a foreign province living in the capital: Spending 30 million in 1 month, looking for

Lanh’s story is a reality that many young couples are facing. According to personal financial consultants, currently the income of most young couples is usually 15-30 million VND/month. But because of overspending, many families don’t have any backup.

According to the advice of experts, the above income is quite good and young couples can completely save a surplus if they know how to save and accumulate. An easy-to-implement spending allocation is suggested as follows:

Food fund: 20% of income

Fund for phone, gas, car care, relatives, children, relationship expansion: 40% of income

Fund for tourism, entertainment and entertainment: 20% of income

Reserve accumulation: 20% of income

Trying to maintain spending according to this formula will help young couples improve their financial situation and have a certain amount of savings.

The article is written according to the sharing of the character.

https://afamily.vn/cap-vo-chong-que-ngoai-tinh-song-o-thu-do-chi-tieu-1-thang-het-30-trieu-tim-do-mat-cung- not-so-wait-cat-jail-duoc-20220426105626113.chn

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