How much is the monthly income of a fortune teller appropriate _ The real experience of a fortune teller

What is the appropriate monthly income for an ordinary family now?

The amount of monthly income is controlled by the desire in your heart. Spend more, spend less. Every family has different needs and consumption concepts. How much is appropriate? It depends on the actual situation of each family.

First, the desire to decide

I take myself as an example. Every month, it is necessary to repay the mortgage of 4,000 yuan, the decoration loan of 6,000 yuan, the fee of Bauer Kindergarten 1500 yuan, and Dabao Primary School has no tuition. But the average monthly interest class 1500, the fruits and vegetables at home are almost 3000. The utilities and my husband's, I need 800 yuan's clothes, the whole family 1, 000 yuan.

In this way, my family's monthly fixed consumption is 20,800 yuan, not counting the annual commercial insurance and other expenses, which is more than 20,000 on the surface. According to our consumption level, the monthly income is at least 25,000 yuan. Of course, if it's suitable, I still think a monthly income of 30 thousand is more appropriate. After all, children are growing up, parents are getting old, and there will be more and more places to spend money in the future, so try to save it.

Houses cost money, and many people like to buy luxury goods. They spend money on luxury goods, dress themselves up and socialize. The monthly expenses of these people cannot be measured by ordinary figures.

Second, the reality determines.

Now take a friend as an example. Her monthly income is 3000 yuan, and her husband's income is 1 ten thousand yuan. They don't have mortgage or car loan, but only the monthly rent of 1500 yuan, Bauer's kindergarten fee of 1000 yuan per month, and Dabao's primary school has no tuition. There is an interest class, with an average of 1000 yuan per month. There are almost enough fruits and vegetables at home. Their family of four only eats at home in the evening and works and studies the rest of the time.

In this way, their family's monthly consumption will be 8500 yuan, without commercial insurance and piecemeal expenses. For their family situation, a monthly income of 13000 feels quite appropriate.

But don't they want to buy a house and a car? The answer is yes, they think, but they have to give up because of their limited ability to make money and live a stable life now.

Third, reality.

The reason why my family spends so much money every month is largely because of loans. Without the decoration loan, you can spend 6000 yuan less each month, so you only need about 15000 yuan each month.

My friend's house is because there is no mortgage and other loans, only the rent seems to be less than what we spend. But in fact, my family is fighting for a house, and their family is renting a house, which is very different.

What is the appropriate monthly income? Some people decide their monthly expenses according to their monthly income, some people have a good habit of thrift, some people decide their monthly expenses according to their own needs, and some people decide how much to spend because they satisfy their desires.

The actual situation of each family is different, and everyone's consumption concept is different. How much monthly income is secondary, and how to spend it is the main thing. In 2 1 carat, the hero said this sentence? The money we earn is decided by heaven, and the money we spend is decided by ourselves? There is no specific answer to how much money to earn, but there are many specific answers to how to spend it.