你的月薪是怎么花的？（下）
How do you spend your monthly salary?
译文简介
每当我想买东西时，我不会花我的工资，而是向妈妈要。
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I’m 47 and accounting to around 3.2 lacs per month in hand. My wife is a home maker and an established Lifestyle Blogger, earning anywhere between 45K-60K a month: By working on her own blogs and freelancing with some media houses ( working for 5 hours a day). Meanwhile, we get 25K each month as rental income.
We reside in a 3 BHK, loan free Appartment in peak Dwarka, Delhi which was bought in 2005 for 20 lacs. The same is now worth 2.15 Crores after the renovation in the Terrace and interior designing in the home which was done some time back. I consider this as my biggest investment boon.
Apart from this, we invested in another 3 BHK flat in Noida 6 years ago, whose loan is recently cleared out too. So right now I have 0 liabilities on my head. Integrating all, we have our monthly household income close to 4 Lacs. Now coming on the monthly expenses:
我今年47岁，每月大约有32万卢比。我的妻子是一个家庭主妇和一个稳定的生活方式博主，每个月的收入在45K-60K之间:通过她自己的博客和为一些媒体公司自由撰写文章(每天工作5小时)。与此同时，我们每个月的租金收入是2.5万卢比。
我们住在德里的一个全款购买的3居室公寓，这是在2005年以200万卢比的价格买的。经过一段时间前的露台改造和室内设计，现在价值2150万卢比。我认为这是我最大的投资回报。
除此之外，我们6年前在Noida投资了另一套3居室的公寓，贷款最近也被还清了。所以现在我的负债是0。综合来看，我们的家庭月收入接近40万卢比。接下来是每月的开支:
7000 for maid and one-time cook.
Around 2000 for mobile bills and Wi-Fi.
An only 17 year old Son’s school fees of 15,000 per month excluding transport (As schools are closed), 5000 for Lawn Tennis academy and 3500 for his Grade 6 Guitar classes. He is an avid competitive swimmer and a state level Gold Medalist, so another 6000 for his Swimming classes for 18 days a month in all seasons, for temperature controlled covered pool.
We donate 6000 to 2 NGOs: One working for underprivileged girl child education and another for animal welfare.
Around 10,000 for eating out twice a month in top notch restaurants, mostly 5. We love partying and usually have one a month in a farmhouse, lounge or barbeque with me and my wife’s college friends on a contri basis. A get together of 15–20 people set each of us couple back by 3–4000.
电费，维修费，杂志订阅费和洗车费12000。女仆和厨师7000元。电话费和WiFi2000左右。
17岁的儿子的学费是每月15000卢比(不包括交通费)、5000卢比(草地网球)、六级吉他班的学费是3500卢比。他是一名狂热的游泳运动员，是一名邦级运动会的金牌得主，因此，他在每月18天的游泳课上又需要每月花6000卢比，用于恒温的有盖游泳池。
我们每月捐赠6000卢比给两个非政府组织:一个致力于贫困女童教育，另一个致力于动物救助。
每月去顶级餐厅吃两次饭，大约1万卢比。我们喜欢聚会，通常每个月都会在农舍、休息室与我和我妻子的大学朋友们一起烧烤。如果15-20个人凑在一起，我们每对夫妇要花费3000-4000卢比。
I drive an XUV 500 and have an up-down of 35 km, 20 days a month and another trips on weekends, which ends up drinking 4000 worth for fuel.
We love travelling. In terms of yearly expenses, we go to vacations twice a year: one in Summer and one near New Year for 6 Nights in a budget of 1.5 Lacs each. (3 Lacs combined for 2 trips). We travel economy but stay in top Hotels or Resorts and prefer doing all the activities and attractions.
About 80,000-1 lac for my son’s trips from school in a year.
Now coming on investments: I invest around 25,000 per month in PPF and tax free bonds.
30,000 on shares (direct investment after calculating and expected returns) and on a strong health insurance.
每月花22000卢比买杂货，蔬菜，水果和糖果。我有一辆XUV500，每月开20天，行驶35公里，周末还要再开一次，汽油花费是4000卢比。
我们爱旅行。在每年的开销方面，我们每年会去度假两次:一次是在夏天，另一次是在临近新年的时候，共6天，每次的预算是15万卢比。(两次合计30万卢比)。我们是经济式旅行，但住在顶级酒店或度假村，喜欢参加所有的活动和参观所有的景点。
我儿子每年放学回家的路费大概是8万到10万卢比。
接下来是投资:我每个月在PPF和免税债券上投资大约2.5万卢比。
3万卢比用来投资股票和一份强有力的健康保险。
She pays once from her side while eating out each month, which comes out to be 4–5K.
She owns a 2012 Hyundai Verna, and it’s fuel and maintenance is all taken care by her, which is around 1–2K/ month.
She keeps upgrading and experimenting the Home decors and delicacies oftenly, and most of them are bought from her own income.
4–5K each month to my Son for his leissure affairs and hanging out.
Like most of the women, rest of the money is used for her beloved shopping and online orders :P I don’t ask or keep any check on this.
My parents are retired IRS Officers, and get enough pensions every month from the Government to splurge. They live with my elder brother in Chandigarh (my native) for 7 months and with us for 5 months, starting from the early part of every year. My wife’s dad is too a retired Officer and are not dependent on us for any means.
因此，从我的收入中，我每月的支出总额约为1.7万卢比/月。现在是关于我妻子的:
她拥有一辆2012年的现代Verna，燃料和维护都由她负责，每月大约1-2K。
她经常不断升级家居装饰和尝试做美食，其中大部分都是她自己的收入支付的。每个月给我儿子4-5千卢比，用于他的零花。
和大多数女人一样，她剩下的钱都用在了她喜欢的网上购物上，我不会要求检查这些东西。
我的父母是退休的国税局官员，每个月都有足够的退休金来花费。他们每年和我哥哥一起在昌迪加尔(我的家乡)住7个月，和我们一起住5个月。我的妻子的父亲也是一个退休的官员，不需要我们帮助。
I live in Noida. I recently turned 26. I am in the Corporate sector & earn 10LPA , after all the deductions.
Rent : 13000, I stay alone in a studio apartment since all my friends moved out of the city.
Bike EMI: 7500, There’s still few months left. I’ll be free from this after November this year
Recurring Deposit: 30K , I had no savings till date as I used to overspend and had huge amount of credit card debt almost around 5.5 lacs, I have recently cleared it all and started saving as I might get married probably by next year, so this saving is going to come in handy at that time.
Electricity bill: 1500. Nowadays I stay alone, so it’s not that much.
Phone and Wifi: 1500, 1200 for wifi and 300 for my phone bill.
我住在诺伊达。我最近刚满26岁。我在企业部门工作，扣除所有税后，我的收入是10万卢比。
房租:13000卢比，我一个人住在一间小公寓，因为我所有的朋友都搬出了这个城市。
债务:每月7500卢比，还需要还几个月。今年11月以后，我就可以自由了
存款:3万卢比，过去我一直没有存款，因为我经常超支，而且有大量的信用卡债务，大约有5.5万卢比。我最近把它们都清了，并开始存钱，因为我可能明年就要结婚了，所以这笔存款到那时会派上用场的。
电费:每月1500卢比。现在我一个人住，所以没以前那么多了。
电话费和Wifi:每月1500卢比,Wifi1200，电话费300。
Cleaning 900: 300 monthly for bike cleaning guy ( Dhananjay sahab ) & 600 for cleaning lady ( i never asked her name ). She only comes once a week, as it’s a studio apartment and I’m only staying there 3–4 days a week and it doesn’t get that dirty. Rest 2–3 days I stay over at my girlfriend’s.
Monthly groceries: 2500 , this includes 20L water bottle as well. I probably order 4 bottles in a month which cost around 340 per month. Expensive because, where I live they only Deliver bisleri which costs 75 Rs. per bottle and 10 rs Delievery charges.
Miscellaneous: 7760, This is dedicated for ordering IN or going out or movies and shopping. When I say shopping, i mean buying a pair of shoes (sneakers) .
p.s. i started from earning 15K per month in 2016 and reached to 70K per month in 2019. I come from a Middle class family and got my b.tech done from a Tier 3 private college. After everything, it feels nice to end up somewhere where you feel good and your parents also feel proud of you.
寄给父母:每月5000卢比，这个数字可能会根据家里的需要有所不同而增加。但是5000是固定的金额，我会寄给父母，即使他们拒绝接受。
清洁费每月900卢比:自行车清洁费每月300卢比，家务清洁女工每月600卢比(我从没问过她的名字)。她每周只来一次，因为那是一间单间公寓，我每周只在那里待3-4天，而且那里不会那么脏。每周休息的那2-3天，我在我女朋友家过夜。
杂货:每月2500卢比，这包括20升的桶装水。我大概一个月订4桶，大概每月340卢比。贵是因为我住的地方只提供biseri，每桶75卢比，运费10卢比。
其他:每月7760卢比，这包括订购商品或外出购物或看电影。当我说购物时，我指的是买一双鞋(运动鞋)。
附注:我从2016年的月薪1.5万开始，到2019年达到月薪7万。我来自一个中产阶级家庭，在一所三级私立大学获得了理工学士学位。在经历了这一切之后，能在一个让你感觉良好、你的父母也为你感到骄傲的地方感觉真好。
I’ve been tracking my monthly expenses since I’ve been working full time.
This helps me in understanding and plan my finances well.
Sometimes, the money outflow is very high, given some sudden situations like - booking flights home, some relative’s family visit, parties and outings, tuition fees of sisters, etc. And sometimes it is lesser than my 50% of the income.
In 2020 and 2021, my expenditures have increased by a large margin, which is not good for me in the long run, but I am curbing it down.
自从我开始全职工作以来，我一直在记录每月的开销。这有助于我更好地理解和规划我的财务状况。
有时，由于一些突发情况，比如订机票回家、探亲、聚会和出游、支付姐妹的学费等，资金流出量非常大。有时只比我收入的50%少一点。
在2020年和2021年，我的支出大幅增加，这从长远来看对我不利，但我正在控制它。
invested more in my father’s medicine business by taking a personal loan (loss-making right now),
sponsored the entire PG education and JRF preparation of my brother (he cleared it yesterday with 99%ile), a big sigh of relief
sponsored the entire college education of both of my sisters, getting them a good quality of life in NCR, and never making them feel lesser than their other South-Delhi friends. I never allow them to take sharing autos or cabs, not comparing with anyone but this is just how I want to keep my sisters, always bought a flight ticket and ensured to and fro cabs for them, whenever they visit home back in Deoria/Gorakhpur. Same thing I do for my mother, father, and brother. Grandparents are 75+ now, so they don’t prefer traveling to us, we go to meet them. I know I could have saved a large sum of money here and rather invested in some index mutual fund, but I never want any single member of my family to compromise on lifestyle
在我工作期间我也做了一些重要的工作，比如通过个人贷款在我父亲的医药生意上投资了更多(现在还处于亏损状态)，赞助了我弟弟的整个PG教育和JRF准备工作(他昨天以99%的得票率通过了)，这让我松了一口气
我资助了我两个妹妹的整个大学教育阶段，让她们在新德里过上了高质量的生活，从未让她们觉得自己不如南德里的其他朋友。我从不允许她们乘坐共享汽车，我不与任何人相比，但这就是我帮助我的姐妹们的方式，每当她们回到位于德奥利亚/戈拉克布尔的家中时，我总是帮她们买好机票，确保她们坐出租车往返。就像我为我的父母和兄弟所做的一样。爷爷和奶奶现在75岁了，所以他们不喜欢去旅游，所以是我们去看望他们。我知道我本可以在这方面省下一大笔钱，投资一些共同基金，但我绝不希望我的任何一个家庭成员在生活方式上妥协。
gifted my sports bike to my younger brother and started going to the office with a friend-cum-colleague
invested a big sum of money into building a new house back in the village, along with the help of my pensioner grandfather, 70% construction complete of a new 3000 SQ FT house,
managed to take care of the expenses of my MOM and DADI too - you know housewives are the marginalized section in middle-class houses - nobody asks them what they need. This money is secretly passed on to both of them thru a friend back home.
I’ve never borrowed money from a person, family, friends, or anyone except banks. That keeps me away from spoiling my personal relations.
From 2022, I’ve stopped lending money to anyone, because nobody paid it back to me, and those who did, were never on time.
在新冠肺炎的第二波疫情期间，我通过给他可能实现的最好的治疗设法挽救了我父亲的生命，(节省金钱远不如挽救生命，所以这很值得)
我把我的运动自行车送给了我弟弟，然后开始和一个朋友兼同事一起步行去办公室。
我投资了一大笔钱在村里盖了一所新房子，在我拿退休金的祖父的帮助下，3000平方英尺的新房子完成了70%的建设。
我还设法支付了我妈妈和爸爸的费用——你知道家庭主妇是中产阶级家庭中被边缘化的一部分——没有人问她们需要什么。这笔钱通过他们的一个朋友秘密地转给了他们俩。
除了银行，我从未向家人、朋友或任何人借过钱。这样我就不会破坏我的私人关系了。
从2022年开始，我不再借钱给任何人，因为没有人还钱给我，而那些还钱的人也从来没有按时还过钱。
I am 26 and a lecturer. My monthly salary is almost 25000 in my hand. And this is how I spend my salary every month …
I usually go to college by my scooty and the petrol cost per month is nearly Rs. 1500/—
I do not bring my lunch box to the college from my home. So everyday I have my lunch at the college so my lunch cost is around Rs.1200/—.
I stay at my parents home so I do not need to pay any rent charges.
But I stay at my parents home so because of that I usually buy some groceries and vegetables for them for an amount of Rs.5000/—.
There are some miscellaneous expenses include gifts/tours/some times I probably give some amount of money to my parents becoz they are sometimes financally dependent on me so amount of Rs.3000/-.
I bought my two wheeler on tvs bajaj finance so for that every month the EMI amount is nearly Rs.2900/—.
So In total my expenses do not exceed Rs.13000/— for every month.
Hence I get to save money more than Rs.10000/— per month
我今年26岁，是一名讲师。我的月薪将近25000卢比。我每个月的工资都是这样花的……我通常骑摩托车去上大学，每个月的汽油费将近1500卢比。
我从不从家里带饭去学校。所以我每天都在学校吃午餐，我的午餐费用大约是1200卢比。我住在我父母家，所以我不需要支付任何租金。但是因为我住在父母家里，所以我通常会花5000卢比给他们买一些杂货和蔬菜。
还有一些杂项费用，包括礼物/旅游。有时我还可能会给父母一些钱，因为他们有时在经济上依赖我，所以大概每月3000卢比。
我在bajaj finance电视购物上买了我的摩托车，所以每个月要还贷近2900卢比。
所以我每个月的总开支不超过13000卢比。因此，我每个月能省下10000卢比以上。
I am 28 , and I'm working in private company in Noida . I'm anonymous because my salary is less than any of my friend may be because of my choices in life and my changing of too many jobs and depression over period of 10 years
My take home salary is 35400 out of which
1 . 10800 in pg rent ( including food for 3 time ); separate room with separate washroom , all elec and WiFi included .
2. Petrol for my scooty : 800–1000 rs / month
3. Travelling around 1000 since i go to my home at least once a month.
4. Miscellaneous roughly 1000–1500.
5. Savings - anywhere 20000–25000/ month
My commitment to become financially independent with my bank account give me motivation to atleast save if not earn more.
I'm trying to get over depression and I have not taken even single medicine for more than 18 months and i feel more stable than before . May be I will have better succes in coming years .
我今年28岁，在诺伊达的一家私人公司工作。我之所以匿名，是因为我的工资比我的任何朋友都低，这可能是因为我的生活选择问题，我在10年的时间里由于抑郁换了太多的工作。
我拿回家的工资是35400，其中
1.房租10800(含3餐);独立的房间，独立的卫生间，所有的电费和WiFi都包括在内。
2.我的小摩托车汽油费:800-1000卢比/月
3.因为我至少一个月回家一次，所以交通费用在1000左右。
4.杂项约1000-1500。
5.每月能省下20000-25000
我承诺要在经济上独立，这给了我动力，即使不能赚更多钱，至少也要存下钱。
我正在努力克服抑郁症，我已经超过18个月没有服用任何药物了，我感觉比以前更稳定了。也许我会在未来几年取得更多的成功。
Recently joined the 30s club. Living in Mumbai. Working in IT SaaS Sales as a Sr. Manager. Working from Home. Can’t disclose my earnings per the NDA signed. Can share how I spend my money though:
Fixed Expenses:
→ 15k to Mom (mandatory, every month, without fail)
→ 12.5k in Rent (1.5 bhk in Andheri, total rent of 25k, split in 2)
→ 6k to Aakash (our cook - who also cleans the house)
→ 3.5k Subscxtions (electricity, wifi, amazon, netflix, iPhone storage, etc.)
最近我刚加入了30岁俱乐部。我生活在孟买。在IT SaaS销售部门担任高级经理。目前在家远程工作。根据保密协议，我不能透露我的收入。但我可以分享我是如何花钱的:
固定费用:
→给妈妈15k(强制的，每个月无一例外)
→房租12.5k(在安德里的1.5居室，总租金是25k，我们两个人分担)
→6k给Aakash(我们的厨师-他也负责打扫房子)
→3.5k视频网站订阅费(包括电费、wifi、亚马逊、netflix、iPhone存储等)
→ 20k in Food (includes groceries, swiggy orders, dine-outs, *coffee)
→ 10k in Shopping (both necessities and pure leisure)
→ 10k in Travel
Miscellaneous:
→ 5k in Medical Bills (or equivalent)
→ 5k in Emergencies (ac service / broken fridge / lending / etc.)
*Coffee:
spend around 5k to 7k a month on Coffee. I know it can be done at home for less than 1/10th of the price. However, it is more about the experience of having coffee with a book by the side. Since I earn decently now, I can afford to spend on things I love. One of which is coffee.
可变费用:
→20k食品费(包括购买食品杂货，点外卖，外出就餐，喝咖啡)
→10k购物费(购买生活必需品和纯粹休闲购物)
→10k的旅行费
杂项:
→5k医药费
→5k紧急状况费用(空调维修/冰箱坏了/出借等)
喝咖啡:
每月花5000到7000卢比在咖啡上。我知道在家里也可以用不到十分之一的价格喝到。然而，它更多的是边喝咖啡边看书的体验。因为我现在的收入还算不错，我可以买得起我喜欢的东西。其中之一就是咖啡。
I work as a Deputy Manager in SBI in a tier 2 city. My gross salary after 3 yrs of my job is ₹ 81000.00. A major portion of my salary i.e. ₹13000 is deducted towards my PF and Pension fund and an equal portion is contributed by SBI. Thus every month ₹ 26000 goes towards my retirement corpus. After taxes and other deductions I am left with ₹ 62,500 + 15000 allowances(fixed monthly allowance but not a part of salary slip) i.e. 77,500.
Last year I had bought a car worth 20 lacs taking a car loan of 10lacs at staff concessional rate for which I pay an EMI of ₹7,750.
我在一个二线城市的印度国家银行担任副经理。我工作3年后的工资是81000卢比。我的工资的很大一部分，也就是13000卢比，被扣到我的养老基金中，而印度国家银行贡献了同等的一部分。因此，每月26000卢比就会上缴给我的退休基金。扣除税和其他杂项后，我还剩下62500+15000的津贴(固定的每月津贴，但不属于工资的一部分)，即77500。
去年，我以员工优惠价借了100万卢比的汽车贷款，购买了一辆价值200万卢比的汽车，为此我每个月要还7750卢比的贷款。
I eat in my office mess where I pay ₹2500 a month. I dont drink or smoke so I save a lot on this front.
I never really calculate my expenses but I think I spend the most on fuel and occasional hangout with friends. Still my credit card bill rarely exceeds ₹10000 in a month. My family is well off so I don't have to support them financially.
我不需要付房租，因为这是印度国家银行的租赁协议，银行每月直接向房东支付15000卢比的租金。
我在办公室食堂吃饭，每月支付2500卢比。我不喝酒也不抽烟，所以我在这方面省了很多钱。
我从来没有真正计算过我的开支，但我认为我在燃料和偶尔和朋友出去玩上花的钱最多。不过，我的信用卡账单每月很少超过10000卢比。我的家庭很富裕，所以我不必在经济上支持他们。
I live in Bangalore, I am ~30 years old and I make around INR 6L per month (after tax). This is how I waste it:
I pay 60K as rent and live in a lavish house in a good part of the city
I pay for bills (milk, internet, grocery, medicines, fuel etc) which amount to almost 40K as I buy all things top notch quality
我住在班加罗尔，现在30岁左右，每月收入约60万卢比(税后)。我是这样花费的:
我付了6万卢比的房租，住在城市里一个好地段的豪华房子里。
我支付账单(牛奶，网络，食品杂货，药品，燃料等)，这差不多每月4万卢比，因为我买的都是高质量的东西。
Eating out: We eat out twice a month and we go to top restaurants like 5. About 10K
Travel: We travel about 4 times a year and stay at 5 star hotels, with premium seats etc. About calculated annually about INR 3.6L i.e. about 80–100k per vacation, depends on the location
For people looking for some answers as to how I earn this: I am not a politician :P Faraz Najmi I am a software engineer. I do manage other engineers and their managers. I don’t code much these days but I am still pretty hands on and keep doing active exploration on a regular basis.
我花钱请人帮忙:有4名女佣(2名打扫卫生，2名做饭)，还有1名洗车工，1名洗衣工，1名健身教练和1名司机。这需要每月5万卢比。
外出吃饭:我们一个月出去吃两次饭，只去5家顶级餐厅，大约需要10k
旅行:我们一年大约旅行4次，住5星级酒店，买高等座位。每年约花费36万卢比，即每次旅行约花费8万-10万卢比，这取决于旅行地点。
对于那些想知道我是如何做到这一点的人:我不是政治家P Faraz Najmi，我是一个软件工程师。我确实在管着其他工程师和他们的经理。我现在不怎么写代码了，但我仍然很有动手能力，并定期进行积极的学习。
Never say no to work and finish on time: Biggest lesson I have learnt is to never say no to work. It is opportunity to learn and grow. Actively seek more work. Also set realistic expectation and finish work on time. This in itself gives signal to management that you are hungry and dependable. They love these kind of people. This is the best way to grow fast.
Keep learning: Never ever stop learning. I know people who get so stuck in their lives and jobs that they stop learning. Never do that. Make time for learning and if at the current company learning stops for long time, QUIT! I do not advice anyone to stay at any company for long.
Companies don’t keep you around if you stop being useful for them, then why should you keep working in the same if they stop being useful to you. Switch jobs at reasonable intervals and look for challenging opportunities.
不要浪费时间:不要在任何没有成效的事情上浪费时间。这就是为什么观看netflix是我最大的浪费。我浪费了很多时间看电视剧，我不喜欢这样，但我已经上瘾了。人们总是把时间浪费在无用的事情上，而你应该花时间搭建你的职业和知识基础。不要把时间浪费在和同事在饮水机旁的闲聊、长时间的午餐、太多的电影、在陌陌上寻找无用的恋情等上面，永远追求有意义的事情。
永远不要拒绝工作并按时完成:我学到的最大的一课就是永远不要拒绝工作。这是学习和成长的机会。积极寻找更多的工作，设定现实的目标，按时完成工作。这本身就给了管理层一个信号:你渴望工作和很可靠。他们喜欢这样的人。这是快速成长的最好方法。
不断学习:永远不要停止学习。我知道有些人被他们的生活和工作困住了，以至于停止了学习。我从来没有这样做过。腾出时间来学习，如果目前的公司导致你学习停滞了很长一段时间，那就辞职吧!我不建议任何人在任何公司长时间工作。
如果你不再对公司有用，公司就不会留住你，那么如果公司不再对你有用，你为什么还要继续在原来的公司工作呢?在合理的时间间隔内换工作，寻找具有挑战性的机会。
Till date I have only spent my first salary, after that what ever I have got is still in my account. I graduated in the first lockdown and after that when I got a Job, it’s always been work from home. I have never seen my office and also have never met any of my colleague in real life.
Since, I stay with mom dad , there is no living and food expenditure from my side. When ever I want to buy something, instead of spending my salary I ask mom for it. I know I should not ask parents for money when I am earning myself but it’s always been like this since childhood and it’s the same way till now.
This question has been coming on my feed everyday and after reading every ones answer as to how they are paying EMI, giving money to parents, investing in shares, it’s just making me feel stupid that I am not making any use of my salary!
到目前为止，我只花了我的第一份工资，此后，我得到的所有工资都还在我的帐户里。我在毕业后，我找到了工作，不过一直都是在家远程工作。我从来没有见过我的办公室，也从来没有在现实生活中见过我的任何同事。
自从我和爸爸妈妈住在一起，我从没有支付过任何生活和食物开支。每当我想买东西时，我不会花我的工资，而是向妈妈要。我知道当我自己可以挣钱的时候不应该向父母要钱，但我从小就是这样，直到现在也是这样。
这个问题每天都在我的博客上出现，我看了每个人的回答，他们是如何还贷，给父母零花钱，投资股票，这让我觉得自己很蠢，因为我没有使用过任何我的工资!
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
My monthly salary is 25k as I am working in a leading e commerce company (It is less because I am on off roll) apart from this I get 12400 stipend from my college.
My expenses are nearly zero as my job and my study both are work from home.
No travel due to corona, food and other things take care by my family as I am in my home so I did not have expenses on monthly basis but I have occasional expenses like to buy new laptop as mostly my work is online. to buy inverter as frequent electricity cut in UP villages, to pay my college fee every semester.
Fun fact- My mother is illiterate My father is illiterate and I am doing my masters from IIT just because my parents value education over everything.
我的月薪是2.5万卢比，因为我在一家领先的电子商务公司工作(因为我正在办理离职，所以工资较少)，除此之外，我还从我的大学得到了12400的津贴。
我的花费几乎为零，因为我的工作和学习都是在家里进行的。
因为疫情，我不出去旅行，食物和其他事情也由我的家人负责。因为我在家里，所以我每个月没有开支，但我偶尔会有开支，比如买新的笔记本电脑，因为我的大部分工作都是在网上进行的。买逆变器，因为北方邦的村庄经常停电，还有支付我每学期的大学学费。
有趣的事实是我的母亲是文盲，我的父亲也是文盲，而我在印度理工学院攻读硕士学位，只是因为我的父母把教育看得比什么都重要。