现在苹果上的MM GG们都是已经工作了的,大家平时存的下钱来吗?
我们家就两个人,两个人都是工薪族,发完工资买买公司股票,退休金,私保,假期之类的以后,拿回家每月一共就5000块钱 (3100+1900)。
年底两个人有奖金,10千左右,不过交完40%的税,也干不了什么大事,就吃吃喝喝旅游。
发现两个人除了股票和退休金有点投资,其他都没有存下钱。
所以两个人弄了个budget sheet,看看每月是怎么花的,没想的,弄完发现每月一分不剩,这还是conservative 着算的呢。
每个月也没有什么大的开销,大家帮忙看看,我们的问题出在哪里?按年算的car insurance, HOLIDAY, girlie weekends之类的都除以十二,也列出来了。
Spend items Amount
MORTGAGE £902.45
BT: £40.00
CITY COUNCIL: £171.52
TV LICENCE: £12.83
WATER: £27.70
WASTE WATER: £11.50
Scottish Power £80.00
Vodafone £25.00
Contact lens: £22.00
Contact lens 2: £15.00
INS ASPECTS FEE: £9.95
Home insurance: £7.49
Community service charge: £24.31
Car Tax 1: £10.09
Car Tax 2: £25.81
Pet food £55.00
Healthy pet club £24.48
Pet insurance: £15.00
Audio books £7.99
Spotify: £14.99
Lottery: £25.00
Playstation plus: £5.83
Netflix £10.00
HOBBY: £28.00
Gym 1 £31.95
Gym 2 £31.95
Barclays Credit card: £200.00
Virgin money repayment: £0.00
Lloyds credit card repayment: £300.00
HSBC loan £216.99
Supermarket: £500.00
LUNCH money: £150.00
Take away £100.00
Going out: £200.00
Household Maintenance: £30.00
Clothing £200.00
Haircut £28.10
Window Cleaner: £14.00
Car Clean £20.00
Petrol £70.00
Cleaner £120.00
Car insurance 1: £20.83
Car insurance 2: £25.00
Servicing 1: £25.00
Servicing 2: £16.67
Girly Weekend: £16.67
Boys Weekend: £16.67
Holidays £370.00
Home Improvement £200.00
Regular Saving: £200.00
HL: £300.00
TOTAL £4,971.77