How much does it cost a year for three first-tier cities in Beishangguang and an ordinary family of five?

Let me show you the stories of several parties first.

First place, Mr. Liu (rich man)

There are three people in Shanghai. I'm 985, I have study abroad experience, and my annual salary is about 350,000. Wife 985, no experience in studying abroad, about 220 thousand a year. There is a one-bedroom apartment in the urban area, which is for foreigners, and the rent is more than 90 thousand a year. I don't know anyone who has lost money in stock trading, so I won't go to see it. Financial interest is about 40 thousand to 50 thousand a year. These two pieces are positive and negative.

Plus some gray income, it adds up to less than 700 thousand. No mortgage, 400 thousand car, 2-year-old child. Expenditure is basically paid by Alipay, and occasionally there are cheap coupons for pocket life. So the expenditure can be counted on Alipay.

Water, electricity, coal and so on. The electricity bill in Xia Dong is over 1 000, which is 200-300 in spring and autumn. The water fee is less than 200 yuan once every two months, gas 100 yuan. Telecom is 2000 a year. Both the mobile phone fee and transportation fee are reimbursed by the company (except the fuel fee, so I go to work by subway). The fuel cost is about 700 a month for 2 boxes, the parking fee is 500 a month, and the insurance premium is 7000 a year and 600 a month. These fixed expenses average 3000 pounds a month.

Living close to parents, food is basically brought by parents when taking children, and the expenditure is basically zero. Going out to eat twice a week on average, not counting the children's per capita consumption of 200, and ordering takeout and so on, so if the food stalls add up and spend with us, it will cost about 4000 a month.

The other is my working lunch with my wife. I basically take meals with me. My wife orders more takeout, with an average of 800: 40 a month, plus I occasionally order one month 1000. Children's milk powder money A2 Australian trustee took home a can of 300 plus freight, almost one can a week for a month, totaling 1500.

My fixed pocket money is 2000 yuan a month, which is used for social life, annual tickets to Shanghai, books and so on. Pay a salary every month and withdraw it from my wife Alipay.

My wife spends all her monthly salary on living expenses. She likes to buy all kinds of useful and useless things, so she basically eats them all. So her monthly net income is 16500-3000 fixed expenses -4000 meals-1000 working meals-1500 milk powder money-about 5000 of my pocket money will be spent on various shopping, including children's expenses.

Go abroad two or three times a year and have a short vacation in Zhou Bianyou. The rent is 90,000 yuan. In principle, my income is pure savings, and I save more than 300 thousand a year. I don't have to worry about my parents. The retirement salary and the bonus of the enterprise retirement management committee add up to more than 20,000 yuan, and the retirement salary of my wife's parents adds up to more than 10000 yuan. On New Year's Eve, there is a red envelope of 1000, and the children have lucky money, which is exactly the same.

Second place, Ms. Xie

Coordinate Guangzhou, a family of four, the oldest child is 9 years old and the youngest is 4 years old. The annual fee is as follows:

First: mortgage. 2000* 12=24000, the house was bought ten years ago as a wedding room. Thankfully, the house was bought early. 10, the house has increased nearly tenfold. If I buy it now, I can't afford it.

Second: daily living expenses. Mainly money, rice, oil, salt, sauce, vinegar, tea, milk and fruit, about 3000 a month, 36000 a year. Third: insurance. Among them, there are 30,000 social security personnel and 30,000 commercial insurance personnel. My wife and I run a couple's shop, so we have to pay all the social security ourselves.

Fourth: education grant. Eldest brother is a 9-year-old child, in the third grade of primary school. Although it is compulsory education, the cram school is at least 20 thousand a year, and the second kindergarten is almost 20 thousand a year. Big brother did well. If a junior high school can be taken away by a prestigious school, it must pay at least 50,000 tuition fees and 1 10,000 living expenses a year. Fifth: medical expenses. As an only child, there are four elders in the world and two children in the next. It is estimated that at least 20,000 medical expenses will be paid to the hospital every year. Sixth: interpersonal relationship. Parents of both parties spend 1000 * 2 * 12 = 24000 a month, as well as New Year's 10000 red envelopes and various banquets 10000 red envelopes, which add up to 44000.

Seventh: the cost of car maintenance. For a 300,000-car, the annual depreciation expense is 30,000+8,000, and the daily expense is 50. One year is18,000, which adds up to 56,000. Eighth: online shopping. Every year Taobao, Tmall, JD.COM and Amazon add up to no less than 20,000 yuan. Ninth: tourism. A family trip once a year costs about 15000 yuan. Tenth: Other miscellaneous expenses. The property fee is 3000 yuan a year, the water and electricity fee is 4000 yuan a year, and the telephone fee is 3000 yuan a year.

Add up the above expenses: 355,000 a year. At present, the family income is barely 30 thousand a month, and 360 thousand a year is just enough.

Third place, Ms. Bai

Coordinate Beijing, a flat house of five, 140. Children go to the kindergarten middle class, and the kindergarten is more than 50,000 per year. Interest classes plus English and mathematical thinking are 5. 1 per year, and the preschool class occupation fee is 50,000 in advance. Even if it is 1.5 million a year, it is actually a little more, not counting some stored-value consumption cards, a playground and three restaurants that accompany her to the mall for classes. The mortgage is 5,000 yuan per month and 60,000 yuan a year.

My car has been eight years old and I have no money to change it. I'm pregnant with a second child this year, with a one-time guarantee of 1.5 million. The fuel cost, maintenance, repair and parking fee of two cars are * * * 40,000 yuan. Buying food for parents-in-law is 3,000 yuan a month, other utilities are 50,000 yuan a year, and husband is 5,000 yuan a month and 60,000 yuan a year. My husband is very frugal. The annual net expenditure of the whole family is 340,000.

When 17 changed rooms, it cost 550,000 yuan to decorate household appliances and rent a house, so 17 paid off its debt by 20%. There is no toll, and the children are sent to grandma's house by the sea during summer vacation and winter vacation. Give gifts to relatives when you go back. Relatives also give money and gifts when they leave, and there is no cost. The suburban parent-child hotel went once this year. Spending 350 thousand a year, plus 20% foreign debt, basically has no balance, that is, to maintain a basic living. 19, maternity leave income will decrease, and consumption will also decrease.

Alas, big cities are not easy.