It’s not difficult to be good at calculating
Total income 30 million dong, save 2 gold coins
The story of spending is still a problem that makes the “key boxers” headache. Many women do not dare to list their family’s expenses because they are so shocked with the amount of money “wearing a hat to go” for very basic issues such as eating, living, raising children,… Many people lamented. The couple earns several tens of millions of dollars, but every month they spend it all, and they don’t have any money left over in case of illness or hoarding for the future.
But recently, Ms. Thu Lan (30 years old, from Bac Giang, living in Hanoi) has helped many sisters to reduce stress when she revealed that she and her husband also have an income of about 30 million VND/month, but still accumulate contribute 2 gold coins/month.
Ms. Thu Lan, 30 years old, from Bac Giang, currently lives in Hanoi. Lan and her husband have a 2-year-old son.
Ms. Lan said that she works as an accountant and her husband works as a salesperson. Six years ago, when they were newly married, because they did not have a house in Hanoi, the couple worked very hard. Lan, in addition to her main job at the company, also works part-time, her husband also focuses his energy on “plowing and pulling”. At that time, the total income of her husband and wife sometimes reached 50 million VND.
After nearly 4 years of efforts to accumulate, she and her husband saved a little over 1 billion dong. The parents of both sides supported an additional 300 million, the couple bought an old apartment in Ha Dong district, Hanoi.
Having a home, Lan and her husband dare to have children. And since having children, they also reduce their work load to ensure their health, have time to rest, enjoy life, and take care of their children. Currently, Lan and her husband have a total income of 30 million VND per month. They spent about 18 million dong for all of their expenses. The rest of the money, you buy 2 gold threads 9999 gold ring price 5.5 million / thread, 2 only a total of 11 million dong.
Every month, Lan and her husband save 2 gold coins. (Illustration).
Specifically, the monthly expenditure of Ms. Lan’s family is as follows:
– Food for the couple: 7 million VND.
– Child’s tuition fee: 2.5 million VND.
– Food + Milk + Vitamins + Clothes for children: 2.5 million VND.
– Filial piety + Tribute: 1.5 million dong.
– Entertainment + Generating + Parents’ clothes: 2.5 million VND.
– Electricity, water + Service fee + Parking: 600,000 VND.
– Life insurance: 1.2 million VND.
– Buy 2 accumulated gold points: 11 million VND.
Total: 28.8 million VND.
Set clear goals, limit unnecessary items
When asked about the secret of spending, Ms. Lan said that The key issue is that she and her husband have a house, which will save a decent amount of rent. Therefore, buying a house is the top goal that the couple set when they first got married.
During the 4-year period of trying to buy a house, the couple spent thriftily, minimizing unnecessary expenses. “In the past 2.5 years, the epidemic broke out, so my husband and I did not go anywhere. If the epidemic helps, friends can also go to a cafe to talk to each other, limit eating and drinking“, Lan said.
When traveling, the couple also chooses places near, resorts, homestays around Hanoi with reasonable prices instead of going far, flying, mainly to rest, instead of going far. With Ms. Lan: “It doesn’t matter where you go, what matters is who you go with“.
Like many other mothers, Ms. Lan never regrets spending money on her children, but she also balances it with her parents’ income, avoiding seeing other people’s children go to that school or that school. , there is one, the other, our family must also follow.
Right after the wedding, Lan and her husband set the goal of “ploughing money” to buy a house. When you have a house, you will be able to save some rent. (Illustration)
“When my child was over 1 year old, I weaned her from diapers, both saving an amount, but most importantly, helping her to remove diapers to reduce the mystery. My 15 month old friend already knows how to call her mother to go to the toilet. My baby’s milk, I give him the average type, about 450 thousand VND/box.
However, if people pay attention, they will see that mom and baby stores sometimes have very deep discounts, sometimes reducing 50,000 – 60,000 VND / box if buying a lot. At that time, I often buy dozens of boxes for my children to drink gradually, paying attention to the expiration date of the product.
In addition, my husband and I also bought an insurance policy for me with the baby. Later, if you give birth to a second child, you will buy more for your husband with a second child. That will also reduce some of the worry if you are unfortunately sick or ill.“, Lan added.
Lan expressed, each house has a different scene, each family will have a different way of spending. However, according to her, couples should set clear goals and work to increase their income to achieve those goals, so life will be less stressful. In the coming time, when the first child is older, Lan and her husband plan to increase their working time to achieve a total income of about 35 million VND/month, saving more for the birth of a second baby.
at Blogtuan.info – Source: cafebiz.vn – Read the original article here
