After graduating from college and working formally, I began to use the bookkeeping APP, accurate to every stroke and every point. After living together, H and I established a family ledger, which lasted until we got married. It is still very useful that large expenditures are ventilated in advance, each account is managed separately, and the accounts are transparent, so that each other can see each other's income and expenditure.
However, bookkeeping didn't save me money ...?
Grasping the whim of summing up 18, I opened the account book and carefully looked at last year's expenditure, which was beyond my imagination. Look carefully, but they are all impressed and expected. ?
I hope this summary can reduce the family expenditure burden of 19. ?
Total expenditure:? 697,434.83?
69.7w, including mortgage repayment, car down payment and car loan for several months. The total amount structure is as follows:?
Excluding mortgage and car purchase, the total daily expenses for one year is:? 307,240.57?
To tell you the truth, I didn't read the ledger carefully before, but I was surprised to see this figure. ...
Look at the first-level classification first, and compare it with 20 17. It's really stable ...? Every point has a source, and the form proves this. ?
Note: "Wedding Wedding" is our agreement to take a commemorative photo every two years. So this item can be deposited in 19, hahahaha (it seems that money is meaningless compared with the total amount (put an end to the idea on the left, is money deposited in a lump sum?
Excluding the secondary classification of "investment loss", what is the total expenditure of 18? 264,844.06, average to every month? 22,070.34, how did you spend so much money? ?
According to the average monthly consumption statistics, the ranking is as follows. ?
We spend 7k a month on recreation? Where are there so many? ?
Ok, let's start with the small class and look carefully. ?
Our account books are divided into 12 categories and 38 subcategories. For example, clothes and accessories are divided into three categories: clothes and trousers, shoes and hats, and cosmetic accessories. Food and drinks are divided into breakfast, lunch and dinner, drinks and milk, fruit snacks and big meals. Among them are the classification methods recommended by the bookkeeping APP itself, and some are recorded according to our own daily consumption habits. For example, the word "big meal" refers to the dining consumption of two people who go out to eat and each person exceeds 100 yuan, while if it is a friend's party, it is recorded as "corrupt party".
Because it is a family account book, including two people's expenses and their own expenses, the following analysis is combined with the expenditure members. Let's look at the expenses of members first: family use accounts for 42%, and H spends 7% more than me.
But ... open the secondary classification table, the first order of the amount is investment loss, I 6k, H36k ...
Excluding investment losses, among the 38 secondary categories, brunch, lunch and dinner are ranked as 1, with an average of? 33 16.38, it seems not much, right? In fact, the average monthly average of "food and drink" 4785.54, still a little high. And the premise of this expenditure is that I have a canteen, and lunch and most dinners on weekdays are free. ?
It is obvious from the bill that the "wife" spends only 17.86% on brunch and dinner, with an average of only 590 yuan per month, while the husband spends 1.5k, which is more than family use. Drinks, milk, average monthly? 124. 12, basically for family use; Fruit snacks average monthly? 200.60 About 65% is for public use and 30% is for wife (mainly to buy melon seeds); Average monthly meal? 1, 144.43, calculated as per capita 150 yuan, and eaten 1 time per week on average. ?
In catering, there are two ways to save consumption and maintain or even improve the quality of life:
1. Reduce weekend takeout. Take-out on weekends is 50 yuan per person per meal, which can't guarantee health, hygiene, delicious nutrition. Why don't you do it yourself? ?
2. Buy snacks from 24-hour convenience stores in bulk instead. Take my favorite melon seeds as an example. On average, Tmall costs 5 yuan a bag, while the whole family needs 10.5. Sometimes I want to eat on weekends, but I don't want to go out. I even have to pay to run errands and order takeout. ?
The second place is ... membership game, average monthly? 2, 27 1.26, the public is a small amount of kiwifruit, Tencent video and the like, the wife accounts for 35. 16%, and the Yin and Yang teachers spend about 9k in the whole year; Husband accounted for 63. 19%, FGO got 8.2k, bought switch, some PS4 and STEAM games. ?
In the same category, tourism and vacation rank third, and this expenditure is about 2w, not counting the average monthly. Since our honeymoon, we have been traveling and relaxing every year. Generally speaking, it is ok to maintain this level. In the future, you can consider a more cost-effective way of vacation. And leisure and play every month? 6 19.5438+0, the average monthly performance of the film? 6 17.04, the big expenses are mainly to buy two Disney half-year cards, three concerts, six movies (all iMAX) and some short trips. ?
In addition, leisure sports also include pet babies, with an average of? 893.44, there are two cats at home, which is quite economical. H is similar to my consumption view. It is worthwhile to spend money on happiness, peace of mind and comfort.
For this item, it is mainly necessary to quit the mobile game. ?
Spending on private cars ranks 4th, with a total amount of 1w5+, including 9k+ auto insurance and 2k parking management fees, H parking in 20 yuan every working day, and part of gas money and tolls. This is just needed, there is nothing to say. When you buy a hybrid car, you can save some money on gasoline. Return to your hometown every Spring Festival and Flight 11. This year, I saved some air tickets by redeeming credit card points. The total amount is not large, about 5k, except for a small number of train tickets and bus tickets. In terms of daily transportation, what is the average monthly taxi rent? 2 16.43, public transportation? 196. 12 are all just needed expenditures. /kloc-in 0/9, my public transport costs will increase, but it's not a big deal. ?
Filial piety to parents ranks fifth, with a total amount of 1w5+, including jewelry for two mothers and red envelopes for the elderly during the Spring Festival, which is not much among people who form small families. ?
Daily durability ranked seventh, total? 1 1, 923.36, shared equally every month? 993.6 1, used for luggage, depilators, steam cleaners, suction tractors, electric toothbrushes, floor hangers and other large items. , used for small items such as blue glasses, chairs, tableware, incense sticks and pillows. In this regard, it is necessary to reduce impulsive consumption and make the best use of everything, especially electrical appliances, in order to be worthy of the money spent. Average monthly consumption? 940.30, a little unexpected. After reading the detailed list, two direct drinking water filter elements are 2.7k in total, and the property fee is 2k (fortunately, the property fee in our old community is cheap! ), Christmas decoration theme 1k+, including Christmas tree and garland. H razor head to 30 yuan, electric toothbrush head to thirty or forty. Others are conventional consumables such as shampoo, laundry detergent and paper towels. Monthly average of water, electricity and gas? 622.68, water about 40, electricity 100-300 (summer peak? 427.50), the natural gas fee for floor heating in winter is relatively expensive, about 1k per month. We have started to save energy and reduce emissions this year. It used to be 26 degrees, but now it's only 24 degrees. ?
Clothes and pants ranked eighth, average monthly? 978.37, of which I bought 83.94%, ashamed. The same category, cosmetic accessories total 3k3, shoes and hats total 1k9, all spent on me. It is lower than 17, and it is hoped to continue in 19. ?
The mobile phone fee and digital equipment are 1 1 and 12 respectively, mainly because H bought an iPhone XSMax and I bought a laptop. Judging from the current use situation, it is also the best one. However, there are some idle electronic products at home, so you can consider selling second-hand blood. Includes 2 kindle, Microsoft bracelet and iPhone7Plus. In addition, thanks to work benefits, our telephone bill is relatively small, which is also an invisible income. ?
Finally, look at the category of ethics. Because we didn't receive money at the wedding banquet, our classmates and close friends didn't accompany us when they got married, saving a red envelope. The average monthly rate of corrupt parties is 500, and the average monthly rate of giving gifts and treating guests is 400, including organizing parties at home, treating guests on birthdays, bringing gifts when traveling, and giving out red envelopes. In fact, on average, it is also a lot of money. In the future, the two will have as few dinners as possible, and it will be more cost-effective to spend all the money for going out to eat. ?
There are also some incidental expenses, such as haircuts, books, exam registration fees, express delivery, and medical treatment. After all, young people don't spend much on medicine, and their parents are in their prime, so the burden is relatively light. ?
Finally, I looked at the big consumption in the whole year and listed the consumption above 2k:
The distribution of projects and members is fairly balanced, with obvious characteristics: updating digital equipment, eating and drinking, and occasionally buying gifts for parents. ?
Summarize the direction of 20 19 consumption downgrade:
1. Reduce weekend takeout and cook by yourself. ?
2. Buy snacks from 24-hour convenience stores in bulk instead. ?
3. Quit the mobile game. ?
4. Consider a more cost-effective holiday.
5. Hydropower, coal, energy conservation and emission reduction. ?
6. Reduce the dinner for two and transfer the dinner expenses to a friend's party. ?
7. Make the best use of the purchased items and return the second-hand blood to the idle items as soon as possible. ?
In addition, there is a total control. You can't buy expensive electrical furniture indefinitely with the mentality of "durable goods anyway". If you exceed your spending power, you waste money and overdraw. You still have to set an annual total, change what you want most, and start with what you need most.
The bill is really getting more and more shocking I hope the expenditure of 19 can be controlled.
This answer comes from Yu Xiaoyu's trivia, more decoration strategies and home experience. Welcome to the live APP.