你每月的工資是怎麼花的_風聞

【來源龍騰網】

評論原創翻譯：

Anonymous

I am a 27 year old married woman.

I make 63,500 INR / month after taxes. I earn performance based incentive every month. Incentives ranges from 2000 INR to 25,000 INR. It is purely based on sales of the month. So, I always take incentive as bonus and doesn’t budget my expenses/ savings based on it.

I live with my husband and in-laws. I have my mother & grandmother staying in the same city. I lost my father a year back before my marriage. I take care of my mom’s & grand mom’s expenses as they don’t have any source of income other than nominal interest they get.

我是一個27歲的已婚女性。

我税後每月賺63500盧比,我每個月都會獲得績效激勵。獎勵從2000盧比到25000盧比不等。這完全基於當月的銷售額。所以，我總是把激勵作為獎金，而不是以此為基礎來預算我的開支/儲蓄。

我和我丈夫和姻親住在一起。我的母親和祖母住在同一個城市。結婚前一年我失去了父親。我負責我媽媽和奶奶的開支，因為他們除了名義上的利息之外沒有任何收入來源。

Following is my expenses breakdown;

Mom’s home rent - 17,622 / month

Transfer to mom - 3000 / month

Electricity of both houses - 3000 / month

DTH of both houses - 634 / month

Cook for my home - 3000 / month

Vegetables & Fruits for my home - 6000 / month

Personal Expenses (Shopping / Outing / Cabs) - 5000 / month

Misc - 1000 / month

Remaining - 24,244

My husband takes care of house rent, groceries & maid expenses.

以下是我的費用明細表；

媽媽的家的租金：17622/月

轉媽媽：3000/月

兩棟房屋的電費：3000/月

兩家的電視費：634/月

為我家做飯：3000/月

我家的蔬菜和水果：6000/月

個人開支（購物/外出/出租車）：5000/月

雜項：1000/月

剩餘：24244

我丈夫負責房租、食品雜貨和女傭費用。

Our house is just 15 minutes walking distance from office. Hence, we don’t incur any cost on travelling. We own 2 2-wheelers which we use mostly on weekends.

Investment & Insurances;

RD - 5000 / month (We are saving up money for Car’s down payment. My husband contributes 15,000)

Life term RD - 2800 / month (I have bought a life term plan this year which costs me 34,686 per year. I have paid the first premium upfront with my savings. Parallely I have started a RD to accumulate the premium)

ELSS Mutual Fund - 2000 / month (I have just ventured into mutual funds with this nominal amount)

LIC Jeevan Anand - 4738 / year - 395 / month (This plan was started by father 10 years back for me. After his demise, I am continuing the plan. I am aware that this is not a high return plan, but I have an emotional touch with this because the amount I will get will be a gift from my Dad)

LIC Jeevan Tarang - 11,008 / year - 916 / month (This plan was started by my mother 7 years back for me. I am continuing this one as well. After maturity, the policy will give 5.5% of Sum Assured every year on my birthday till I die. This will give happiness to my mother as she will be able to give me something on my birthday)

FD - 1,00,000 (I have 1,00,000 saving as an emergency fund)

Medical Insurance - 20,000 / month - 1,666 / month (14,000 for my mom & 4000 for self)

Remaining - 11,467 / month

我們的房子離辦公室只有15分鐘的步行路程。因此，我們不承擔任何出行費用。我們有兩個兩輪車，週末大部分是使用它們。

投資和保險；

5000/月（我們正在為汽車的首付攢錢。我丈夫出資15000）

短期保險：2800/月

ELSS共同基金：2000/月（我剛剛以名義金額投資了共同基金）

LIC Jeevan Anand：4738/年，395/月（這項計劃是10年前父親為我制定的。在他去世後，我仍在繼續這項計劃。我知道這不是一項高回報計劃，但我對這個很有感情，因為我將獲得的金額將是父親的禮物）

LIC Jeevan Tarang：11008/年，916/月

應急資金：100000（我有100000存款作為應急基金）

醫療保險：20000/月，1666/月（我媽媽14000，我自己4000）

剩餘：11467/月

Currently I am retaining this as liquid money which can be used for unplanned expenses like medical, vacation etc. If I can save a significant amount by the end of the year, I will invest it or add up for 4 wheeler down payment amount.

Few important points on my expenses & savings;

I have married a gem of a person. I have his full support in my decision of contributing my salary to both the homes. His support is to such an extent that he fights with anybody who questions this decision of ours.

It gives me immense pleasure to be able to give a comfortable life for my mom & grandma. I take care of their major expenses. My grandma gets 10,000 pension from freedom fighter fund of central government. My grandfather was involved in freedom fights. My mom gets 5,600 interest every month from the FD of the insurance & other funds we got after dad’s demise. With this amount, they manage other expenses.

My mom has started earning on her own. She has started preparing & selling sweets & savouries in her society. It is a very small amount. But, it is enough for her to feel independent, take care of few expenses & lead a dignified life. It is a big step for her as she has been a homemaker all her life. I am proud of her.

My main purpose of writing this answer is to inspire girls to stand on their own feet and support both the families when required.

目前，我將這筆錢作為流動資金保留下來，可用於醫療、度假等非計劃支出。如果我能在年底前節省一大筆錢，我會將其投資或支付汽車的首付款。

關於我的開支和儲蓄的幾個要點；

我嫁給了一個非常優秀的人。我決定把薪水捐給這兩所房子，他完全支持我的決定。他的支持程度非常之高，以至於他與任何質疑我們這一決定的人進行爭論。

能給我媽媽和奶奶一個舒適的生活，我感到非常高興。我負責他們的主要開支。我奶奶從中央政府的自由鬥士基金中獲得了10000的養老金。我祖父參與了自由鬥爭。我媽媽每個月從中那裏得到5600的利息，這些利息是我們在父親去世後得到的保險和其他基金。有了這筆錢，他們就可以管理其他費用。

我媽媽開始自己掙錢了。她已經開始在準備和銷售糖果和調味品。這是一個非常小的數目。但是，這足以讓她感到獨立，滿足很少部分的開支，過上有尊嚴的生活。這對她來説是很大一步改變，因為她一生都是家庭主婦，我為她感到驕傲。

我寫這個答案的主要目的是鼓勵女孩自立，在需要時支持兩個家庭。

My first main investment is a life term plan. I don’t want my mom or my husband to struggle financially if something happens to me. I want to secure my mom’s life and ensure my husband will be able to fulfill all our dreams after me.

I know I have a long way to go. My investments are meager. But I am content with the way I am handling all my responsibilities. When my father died, he had this subtle smile on his face which portrayed that he has confidence in me that I will take care of everything. Every month, when I pay my bills, I feel I am keeping up to his trust in me.

I am thankful to God to get such a supportive & loveable husband. His confidence in me makes me work harder and progress towards my goals.He is everything I could have ever asked for. We both have built a lot of dreams together. We are striving hard to achieve each one of them.

Please let me know if you have any suggestions.

我的第一項主要投資是終身計劃。我不想讓我的母親或丈夫在我身上發生什麼事時陷入經濟困境。我想保障我母親的生活，確保我丈夫能在我死後實現我們所有的夢想。

我知道我還有很長的路要走。我的投資很少。但我對我處理所有責任的方式感到滿意。當我父親去世時，他臉上有着微妙的微笑，這表明他對我有信心，我會照顧好一切。每個月，當我支付賬單時，我覺得我在守護着他對我的信任。

我感謝上帝，能有這樣一個支持我、惹人愛的丈夫。他對我的信心使我更加努力，朝着我的目標前進。他是我夢寐以求的一切。我們在一起建立了很多夢想。我們正在努力實現每一項目標。

如果你有什麼建議，請告訴我。