42歲夫妻理財規畫 - 理財
By Genevieve
at 2022-01-04T15:49
at 2022-01-04T15:49
Table of Contents
【背景】
42歲夫+40歲妻+7歲女兒+0.5歲兒子
一直覺得入不敷出
所以2021年開始記帳
最近與太太在檢討2022年的生活開支
參考2021年的記帳
列出2022上半年的預計生活開支
驚人的發現一個月要花106,983元/月
但又不曉得從何處下手進行撙節會比較好
雖說每個人的價值觀不同
例仍想瞭解一下大家的日常花費
對下列的花費有什麼看法?
============================================
【2022年1-6月例行支出】$85400x6個月=$512,400元
固定$10,000(水/電/瓦/話/網路)
保險$15,000(妻+2小孩)
伙食$25,000(自煮/外食)
樂$5,000(置裝/修繕/生活用品)
旅遊$5,000
房租$25,400元
============================================
【2022年1-6月單筆支出】$129,500元
婆婆生日$3,600
岳母生日$3,600
老婆生日$3,600
母親節$3,600
過年公婆紅包$20,000
過年爸媽紅包$20,000
老婆的年終$20,000
女兒鋼琴$6600x3=19,800
女兒的班費/學費/課輔/營午餐/社團$25,000
子宮頸第三劑自費疫苗$6,550
============================================
總計512,400+129,500=641,900元
平均月支出=641,900/6=106,983元/月
--
42歲夫+40歲妻+7歲女兒+0.5歲兒子
一直覺得入不敷出
所以2021年開始記帳
最近與太太在檢討2022年的生活開支
參考2021年的記帳
列出2022上半年的預計生活開支
驚人的發現一個月要花106,983元/月
但又不曉得從何處下手進行撙節會比較好
雖說每個人的價值觀不同
例仍想瞭解一下大家的日常花費
對下列的花費有什麼看法?
============================================
【2022年1-6月例行支出】$85400x6個月=$512,400元
固定$10,000(水/電/瓦/話/網路)
保險$15,000(妻+2小孩)
伙食$25,000(自煮/外食)
樂$5,000(置裝/修繕/生活用品)
旅遊$5,000
房租$25,400元
============================================
【2022年1-6月單筆支出】$129,500元
婆婆生日$3,600
岳母生日$3,600
老婆生日$3,600
母親節$3,600
過年公婆紅包$20,000
過年爸媽紅包$20,000
老婆的年終$20,000
女兒鋼琴$6600x3=19,800
女兒的班費/學費/課輔/營午餐/社團$25,000
子宮頸第三劑自費疫苗$6,550
============================================
總計512,400+129,500=641,900元
平均月支出=641,900/6=106,983元/月
--
All Comments
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