What is a monthly salary of 7,000 yuan in Taiyuan? Does it feel like it’s not enough?

Taiyuan, the capital of Shanxi Province, is a city between the second and third tiers, a city where wages are not high but consumption is not low. The monthly salary is 7,000 yuan, which is already higher than most in terms of numbers. There are people, but are there enough flowers? The answer is not enough, of course, it only applies to ordinary migrant workers, except for various second-generation workers. What is a monthly salary of 7,000 yuan in Taiyuan?

As can be seen from the above figure, the average salary in Taiyuan is 4,196 yuan, with 73.6% of people earning less than 6,000 yuan, and 12% earning between 6,000 yuan and 8,000 yuan. Only 13.4% exceeded 8,000 yuan. Because the questioner did not specify whether the 7,000 yuan is before tax or received, so based on the highest calculation, if you receive 7,000 yuan, then the pre-tax income should be around 10,000 yuan, which is already more than 90% of people, and it is considered a very high income in Taiyuan. Is a monthly salary of 7,000 yuan enough?

So with a monthly salary of 7,000 yuan, is it enough to spend in Taiyuan? For an ordinary migrant worker like us, the answer is obviously not enough. The same calculation is based on the minimum expenditure. For a single person without a car, a house, or a girlfriend, what are the necessary expenses?

1. Rent

For an ordinary migrant worker without a house or a car, the first problem is to rent a house. Take renting with others as an example. In 2019, a two-bedroom apartment with one living room in Taiyuan The average rent of a house is about 1,800 yuan/month. Including property fees, heating fees, water and electricity network and other expenses, the monthly rent is more than 2,000 yuan. Calculated based on 2,000 yuan/month, if two people rent together, the average price per person is 1,000 yuan. Yuan. Some people may say that you can live in a house like a village in the city instead of a community house. First of all, there are not many urban villages that have been demolished. Secondly, the price of urban villages is not low. A friend once lived in a city known as "Little Hong Kong". "I have lived in Xuxi Village for a year, and the monthly rent is 800 yuan/month, which is not much cheaper than housing in a community.

2. Daily consumption

Taiyuan is a city where wages are not high and consumption is not low. The average meal is 10 yuan. Breakfast is slightly cheaper and can be solved in May. It’s also 25 yuan, which is 750 yuan per month. Plus buying some fruit and snacks, it costs 900 yuan; having dinner with friends costs 200 yuan per month; boys like to smoke and drink, and girls spend on cosmetics, which averages 500 yuan. Yuan; if you usually go out to take a bus, take a taxi, etc., you have to have 100 yuan a month; you are not allowed to buy two sets of clothes for yourself every year, an average of 100 yuan per month. The total monthly consumption of this part is 2,000 yuan Meta-calculated, this number is not high, and for some people it is not even enough. Summary

The total cost of the four parts of food, clothing, housing and transportation is 3,000 yuan. There is 4,000 yuan left out of 7,000 yuan, but please remember that this is calculated based on the minimum consumption.

Seeing that all the friends around us have girlfriends, we can’t just be single. After we find a girlfriend, we can’t just stay at home and go out with our girlfriends from time to time. Movies, meals, etc., plus another 1,000 yuan, there is still 3,000 yuan left.

Now that I have a girlfriend, I don’t want to have to squeeze in the bus when I go out. Driving is so fun, so I might consider saving up for more than a year to get a down payment for a car loan and buy a mobility scooter worth tens of thousands of yuan. Driving around the major business districts in Taiyuan is indeed more comfortable than taking the bus, but after adding more than 2,000 yuan for car loan, insurance, gas money, etc. every month, there is still 1,000 yuan left.

We are about to get married, and our girlfriend needs a house at home. We also think that we should buy a house when we get married, but looking at the balance in our bank card, we only have 10,000 yuan after saving for a year. There's still a long way to go before the down payment, and I can't even buy a toilet. I had no choice but to live with my old age. I borrowed here and there and scraped together the down payment to buy a two-bedroom apartment of 90 square meters. The house was bought, and then the mortgage came in. It was 3,000 yuan per month, and there was -2,000 yuan left. , I don’t have enough money, what should I do? Ask my girlfriend to borrow some, and pay off the mortgage first. Anyway, I won’t have to pay it back after I get married.

So, with a monthly salary of 7,000 yuan, no house, no car, and no girlfriend, this amount of money is enough to spend, and you can still save some money every month; but if you buy a car, a house, and find a girlfriend, Then it is obviously not enough to spend, let alone 7,000 yuan before tax, and it will be even less.

There are about 3 million locals in Taiyuan, and they can earn more than 5,000 but less than 300,000.

The average wage of urban employees in non-private enterprises in Taiyuan City in 2019 is 6,670 yuan/month (annual income 80,060 yuan, before tax). If your income is 7,000 yuan/month, it is higher than most people and is already a good income. Taking 7,000 yuan as the base calculation, excluding pension and medical insurance, the money received is not much.

1. The pension insurance payment accounts for 8% of the income, and about 560 yuan needs to be deducted.

2. The medical insurance payment is 2% of the income, and about 140 yuan needs to be deducted.

3. Housing provident fund payment belongs to personal income and is not calculated.

4. It is considered that personal income tax and personal deduction are equal, and this part is not calculated.

5. The actual monthly income received is approximately:

7000-560-140=6300 yuan

If you already have a house in Taiyuan, this income will count It's above average. If you haven't bought a house yet, or you are a young person who has taken out a loan to buy a house, this will be a problem. Even if someone helps pay the down payment, it is not optimistic that you can live with this income.

I worked in Taiyuan Jiannan Auto Parts City for three years. At that time, my salary was more than 4,000 yuan, covering food, food, and housing. I was able to save more than 40,000 yuan every year. Of course, I saved it through frugality, and it was not easy. But several of our colleagues have a few drinks every month. Now let me talk about what level of salary 7,000 is in Taiyuan. Is it enough? A salary of 7,000 yuan is acceptable to unskilled general workers, because they only work in Taiyuan and generally do not buy houses or land in Taiyuan City. They spend their free time after get off work playing cards in the dormitory, or visiting parks, etc. General workers generally stay in the factory, and eating in the company canteen usually doesn't cost much. Internal subsidies are given to canteens because they are generally not outsourced to make a profit. If it is profitable, it is almost acceptable. The main reason is that the consumption at noon is higher, but there is not much consumption. There are no absolutes in things. Some people can't afford it and rent a house outside. They often buy new clothes and change their mobile phones to keep up with fashion. That's definitely not enough. If you don't live frugally, eat, drink, whore, and gamble, even if I give you 20,000 yuan, I'm afraid it won't be enough.

A salary of 7,000 yuan is not enough for Taiyuan locals, and it is considered low income. They have to spend all their food, clothing, housing and transportation in the city. I'm afraid they can't buy a wedding house for less than 2 million. How many years of hard work will it take to buy a house? After marriage, children’s education and kindergarten cost at least several thousand yuan per month, and in rural areas it costs 200 yuan. A salary of 7,000 is not enough to settle down and start a family in Taiyuan.

A salary of 7,000 yuan is considered an upper-middle-class income in Taiyuan. General civil servants and public institutions can earn this income. Taiyuan is a provincial capital city with the highest housing prices in Shanxi. A salary of 7,000 yuan can basically cover the mortgage loan. It would be better if you have a side job. Life is stressful, and more income means more security.

This depends on the situation. If you have a car loan and a house loan, and the amount is large, it will not be enough. If you have a house and a car, there is no loan. That's basically enough. It also depends on each person’s consumption concept. Some people have no control over money, while others are more diligent and frugal. This will also make a difference

7,000 is quite a lot in Taiyuan, but if you are a For people who come to Taiyuan to work hard, housing and car loans are quite tight

We are well-off.

I think it is at a medium level, not too much, not too much. At least the housing loan and the car loan of an ordinary car can be afforded. Now the housing prices in Taiyuan are not particularly high, just over 10,000. Therefore, living in the city of Taiyuan is quite comfortable. Consumption is not too high, housing prices are not too high, wages are okay, the air is good, and road conditions are now better. . Generally speaking, a salary of more than 7,000 is enough, but you still need to work hard. . come on. .

Maybe many friends from other places think that 7,000 is nothing, but in Taiyuan, a city with high consumption and low wages, it is still difficult to get 7,000. If you randomly survey ten people on the street, there may be six people in San About four thousand.