你每月的工资是怎么花的（一）
How do you spend your monthly salary?
译文简介
网友：我是一个27岁的已婚女性。我税后每月赚63500卢比,我每个月都会获得绩效激励。奖励从2000卢比到25000卢比不等。这完全基于当月的销售额。所以，我总是把激励作为奖金，而不是以此为基础来预算我的开支/储蓄......
正文翻译
How do you spend your monthly salary?
你每月的工资是怎么花的?
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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.
我是一个27岁的已婚女性。
我税后每月赚63500卢比,我每个月都会获得绩效激励。奖励从2000卢比到25000卢比不等。这完全基于当月的销售额。所以，我总是把激励作为奖金，而不是以此为基础来预算我的开支/储蓄。
我和我丈夫和姻亲住在一起。我的母亲和祖母住在同一个城市。结婚前一年我失去了父亲。我负责我妈妈和奶奶的开支，因为他们除了名义上的利息之外没有任何收入来源。
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.
以下是我的费用明细表；
妈妈的家的租金：17622/月
转妈妈：3000/月
两栋房屋的电费：3000/月
两家的电视费：634/月
为我家做饭：3000/月
我家的蔬菜和水果：6000/月
个人开支（购物/外出/出租车）：5000/月
杂项：1000/月
剩余：24244
我丈夫负责房租、食品杂货和女佣费用。
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
我们的房子离办公室只有15分钟的步行路程。因此，我们不承担任何出行费用。我们有两个两轮车，周末大部分是使用它们。
投资和保险；
5000/月（我们正在为汽车的首付攒钱。我丈夫出资15000）
短期保险：2800/月
ELSS共同基金：2000/月（我刚刚以名义金额投资了共同基金）
LIC Jeevan Anand：4738/年，395/月（这项计划是10年前父亲为我制定的。在他去世后，我仍在继续这项计划。我知道这不是一项高回报计划，但我对这个很有感情，因为我将获得的金额将是父亲的礼物）
LIC Jeevan Tarang：11008/年，916/月
应急资金：100000（我有100000存款作为应急基金）
医疗保险：20000/月，1666/月（我妈妈14000，我自己4000）
剩余：11467/月
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，我将这笔钱作为流动资金保留下来，可用于医疗、度假等非计划支出。如果我能在年底前节省一大笔钱，我会将其投资或支付汽车的首付款。
关于我的开支和储蓄的几个要点；
我嫁给了一个非常优秀的人。我决定把薪水捐给这两所房子，他完全支持我的决定。他的支持程度非常之高，以至于他与任何质疑我们这一决定的人进行争论。
能给我妈妈和奶奶一个舒适的生活，我感到非常高兴。我负责他们的主要开支。我奶奶从中央政府的自由斗士基金中获得了10000的养老金。我祖父参与了自由斗争。我妈妈每个月从中那里得到5600的利息，这些利息是我们在父亲去世后得到的保险和其他基金。有了这笔钱，他们就可以管理其他费用。
我妈妈开始自己挣钱了。她已经开始在准备和销售糖果和调味品。这是一个非常小的数目。但是，这足以让她感到独立，满足很少部分的开支，过上有尊严的生活。这对她来说是很大一步改变，因为她一生都是家庭主妇，我为她感到骄傲。
我写这个答案的主要目的是鼓励女孩自立，在需要时支持两个家庭。
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.
我的第一项主要投资是终身计划。我不想让我的母亲或丈夫在我身上发生什么事时陷入经济困境。我想保障我母亲的生活，确保我丈夫能在我死后实现我们所有的梦想。
我知道我还有很长的路要走。我的投资很少。但我对我处理所有责任的方式感到满意。当我父亲去世时，他脸上有着微妙的微笑，这表明他对我有信心，我会照顾好一切。每个月，当我支付账单时，我觉得我在守护着他对我的信任。
我感谢上帝，能有这样一个支持我、惹人爱的丈夫。他对我的信心使我更加努力，朝着我的目标前进。他是我梦寐以求的一切。我们在一起建立了很多梦想。我们正在努力实现每一项目标。
如果你有什么建议，请告诉我。
I am working in Dubai on a salary of 6500 AED, which roughly translates to 1,30,000 Indian Rupees a Month.
The biggest portion of my wastage is my monthly rent, which is 2000 AED (40000 Rs) for a small room near my office, which saves transportation cost. I could live in shared accommodation and spend less on the room, but being an introvert, I hate sharing my personal space with one or two other guys.
I am 26, and I avoid dating because dating here costs a lot of money and I am not rich yet.
I try to cook most of the times, but sometimes I order outside. My monthly food and beverages cost around 600 AED.
I haven't bought a new pair of shoes in almost a year. I dress very well, but I am not too much of a buyer. But just for the sake of it, lets say I spend around 200 AED on Entertainment or shopping every month.
我在迪拜工作，工资为6500迪拉姆(阿联酋)，大致相当于每月13万印度卢比。
我浪费的最大部分是我的月租金，我办公室附近的一个小房间的租金为2000迪拉姆（40000卢比），不过这节省了交通成本。我可以合租，在房费上少花些钱，但作为一个内向的人，我讨厌去和一两个其他人共享我的私人空间。
我今年26岁，我避免约会，因为在这里约会要花很多钱，而且我还不富裕。
我大部分时间都自己尝试做饭，但有时我在外面吃点菜。我每月食物和饮料费用约为600迪拉姆。
我已经快一年没有买一双新鞋了。我讲究穿，但我不太会买。但为了这个目的，假设我每个月在娱乐或购物上花费大约200迪拉姆。
And I save around 3700 AED, which is roughly 74000 Rupees.
In India, I used to make 35000 A month. And now I am saving double of it, but it is coming at the cost of me not having a life outside of my work.
I plan to continue to do so for the next one year, so that I have sufficient bank balance to start a small business of my own.
Coming from a poor family background, I had to start from the scratch, and seeing my Indian bank balance rise every month makes me satisfied and it feels like the sacrifices I am making today are for sure going to yield a better tomorrow.
Hopefully, when I turn 27. I can gift myself a small business so that my children and their children don't have to sacrifice as much as I or my parents did.
Peace.
所以我每月的费用是2000+600+200=2800 迪拉姆。
我省下了大约3700 AED，大约是74000卢比。
在印度，我过去一个月挣35000。现在我存的钱就是之前赚的两倍，但这是以我没有工作以外的生活为代价的。
我计划在接下来的一年里继续这样做，这样我就有了足够的银行余额来开办自己的小企业。
出身贫寒的家庭，我不得不从头开始，看到我的印度银行余额每月都在增加，这让我感到满意，我今天所做的牺牲肯定会带来一个更好的明天。
希望在我27岁的时候。我可以自己弄一个小生意，这样我的孩子和他们的孩子就不必像我或我的父母那样牺牲那么多。
和平
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. And I live in costly pg because I want separate room for myself . My saving habbit has given me good result in 5 years.
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 .
Thanks for reading .
我今年28岁，在诺伊达（印度新德里地区）的一家私人公司工作。我是匿名发表评论，因为我的薪水比我的任何朋友都低。这可能是因为我选择的生活方式，以及我在10年内换了太多工作和抑郁的原因
我的实际工资是35400
1.10800 ：租金（包括3餐伙食）；带独立卫生间的独立房间，包括所有电子设备和WiFi。
2.我的机车汽油：800–1000卢比/月
3.自从我一个月至少回家一次以来，出行费大约1000。
4.其他：约1000–1500。
5.储蓄-：每月20000–25000
我承诺要通过银行账户在经济上独立，这给了我动力，即使无法赚更多的钱，至少也要存钱。我住在昂贵的地方，因为我想要单独的房间。我的储蓄习惯在五年内给我带来很好的结果。
我正在努力克服抑郁症，我已经18个多月没有吃过任何一种药了，我感觉比以前更稳定了。也许我会在未来几年取得更好的成绩。
感谢阅读。
I am 31 year old, working in Income Tax Department as Inspector and is posted in Chennai. My current in hand salary is Rs.70,500/- after all the deductions. My monthly spending is as follows:
Rent+Water+Electricity= 15250. I have rented a house near to my Office with rent of Rs.13500/ month. As in Chennai water issues are there so my owner arranges lorry water in addition to the municipal water which costs around 500/ head.
Groceries- 6500.
Mutual Funds- 16000. I have subscribed to 4 mutual funds where monthly payment of Rs. 4000/- is made through SIP’s. 2 mutual funds make part of tax planning wheres other two are bluechip funds.
Mobile + DTH Recharge- 500
Petrol - 2000
Shopping - 6000. It includes shopping for me and my wife.
I purchased one flat in Noida for investment purpose. The monthly EMI of Rs.14,250/- goes towards the payment of that.
我今年31岁，在所得税部门工作，担任稽查员，并在金奈任职。扣除所有扣减后，我目前的手头工资为70500卢比。我每月的支出如下：
租金+水+电=15250。我在办公室附近租了一间房子，租金为13500卢比/月。由于金奈的水资源问题，所以除了市政用水外，我的房东还安排了卡车用水，成本约为500/人。
生活用品：6500。
共同基金：16000。我已经认购了4个共同基金，每月通过SIP支付4000卢比。共同基金是税收计划的一部分，其他两个是蓝筹股基金。
手机费+电视充值：500
汽油：2000
购物：6000，包括为我和我妻子购物。
我在诺伊达购买了一套公寓用于投资。每月支付该款项14250卢比。
I am living in Tiruppur, Tamil Nadu (working as an accountant). 40 years old, receiving only Rs.30k per month salary (no other benefits). My family members are 7 - “yes” (2 Children, 3 Olders, me and wife - my earning only for my family running for the last 4 years)
Spending for Necessary things - Milk 3k, Rice and other Groceries 5k, Fruits & Vegetables 2k, Snacks & others foods 2k - Total Rs.12,000- per month.
Medical - average for those 7 members (routine medical expenses) - Rs.3,000 Per month.
Travel to Office and my expenses / visiting to nearby places / visiting relatives homes - Rs.5,000 per month.
我住在泰米尔纳德邦的蒂鲁布尔（从事会计工作）。40岁，月薪仅为3万卢比（无其他福利）。我的家庭成员有7个（2个孩子，3个老人，我和妻子，过去4年中，我的收入仅用于我的家庭开支）
每月购买必要的东西：牛奶3000，大米和其他食品5000，水果和蔬菜2000，零食和其他食品2000，总计12000卢比。
这7名成员的平均医疗费用（常规医疗费用）：每月3000卢比。
去办公室的通行和我去附近的地方、去亲戚家的费用：每月5000卢比。
LIC Insurance Premium only - Rs.2,000 per month.
My Girl Child (8 Years) Post Office Saving (Suganya Samriddhi Yojana) - Rs.500 per month.
School Fees for my Girl Child - Rs.2,500 per month
No EMI (having 10 year old bike - maintained in good condition)
Saving Rs.4,000 per month (it may be less as per our medical expenses —-
每年为4名成员（非老年人）提供医疗保险12000卢比（注意这是非常有益和安全的保险）：每月1000卢比
印度人寿保险公司(LIC)保险费：每月2000卢比。
我的女儿（8岁）邮局储蓄（Suganya Samriddhi Yojana）：每月500卢比。
我女儿的学费：每月2500卢比
有辆有10年历史的自行车，保养良好
每月省下4000卢比，根据我们的医疗费用可能会少一些。
Last 15 years of Savings - having Rs.1 L for my emergency need.
I have invest my moms savings of Rs.3,00,000 in a Land 10 years before and sold the same before 3 years and buy a Small Land and constructed a building from the sale benefit. Own house so here is No Rent. Earning is small (for 7members) but managing the salary by Thrift. Here is good. But also some eager for me and my family to live a Luxury Life - but my life is going this way only.
因此，以每月3000卢比计算，全年就是36000卢比的平均储蓄额为例，从这一点来看，只有我的支出/管理其他费用，如衣服、外出、购买家庭必备电子产品、维护和装饰品。
过去15年，存下了100万卢比用于紧急需求。
10年前，我将母亲的积蓄30万卢比投资于一块土地，3年前将其出售，并购买了一块小土地，并从出售收益中建造了一栋建筑。这是属于自己的房子，所以这里没有租金。收入很小（对7名成员来说），但通过节俭来管理工资。目前看很好，但也有人渴望我和我的家人过上奢华的生活——但我的生活只有这样。
Salary I earn 1.15 Lacs per month. This includes a fixed amount of Rs1,01,000/- as salary and Rs 13,900/- as an attendance allowance. Paid full if I am present for entire month. Paid on pro rata basis if I am on leave for few days, or paid zero if I am away on leave for entire month, which is very less likely.
Mandatory Deduction Out of this, I pay nearly Rs15,000 as Income Tax. Hope, this will reduce in this financial year as new tax slab has been introduced.
I pay a fixed amount of Rs14,000 towards my PF fund. (Balance: Rs86,000).
Savings Moving on to the savings now. I pay Rs 12,500/- towards my PPF account, Rs5000/- towards insurance and Rs5,000/- towards mutual funds. (I have five different mutual funds of Rs1000 each). (Balance: Rs 63,500/-)
Loans : Payment to of Rs 9,700/- towards vehicle loan and Rs 18625/- towards personal loan. (I took a personal loan for my parents requirements) (Balance: Rs35,175/-).
我的工资是每月10.15万卢比。这包括10.1万卢比的固定工资，1.39万卢的出勤津贴。如果我整个月都在，拿全勤津贴。如果我休假几天，则按比例支付工资；如果我休假一个月，则拿不到出勤津贴，这可能性很小。
除此之外，我还要支付近1.5万卢比的所得税。希望在本财政年度，随着新税种的引入，所得税将会减少。
我为我的PF基金支付了1.4万卢比的固定投资。（余额：8.6万卢比）。
现在我们来谈谈储蓄。我向我的PPF账户存入1.25万卢比，向保险支付5000卢比，向共同基金支付5000卢比。(我有5只不同的共同基金，每只1000卢比)。(余额:6.35万卢比)
贷款：车辆贷款支付9700卢比，个人贷款支付18625卢比。（我根据父母的要求申请了个人贷款）（余额：35175卢比）。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
My rent towards accomodation, water and electricity is taken care by my organisation.
Thanks for sparing your time to read this answer.
汽油的日常费用为每月3~4千卢比。除此之外，食物、酒水、旅行、衣服、手机账单、无线网络、女佣等都得到了妥善的管理，金额平衡。如果在月底之前留下任何金额，我将支付上述第5段所述的贷款金额。此外，我必须在1月份购买金额为1.2万卢比的汽车保险，并在10月份支付年缴9万卢比的人寿保费。这个人寿保费不是我要买的，而是我上大学时父母买的。现在，我决定支付保险费。
我的住宿、水和电的租金由我的单位负责。
感谢你抽出时间阅读此答案。
I am 28 years old… Recently married, Works with an Automobile MNC. My wife is a House wife, though she has done MBA in finance but she has choosen her profession as a house wife.. She dont wants to live a struggling & sophisticated life… We both wants to enjoy life upto its extreme.
I also feels very lucky because got posted in my home town, owns a villa which is my dream house, travels to office by luxury car, staying with my mom dad…
I earn approx 88K monthly, after deduction of PF & other incentive part i gets approx 78K in hand.
Out of 78K, spend 15K as a Home loan EMI (As luckily i got posted in my Home town), invest 15K in RD, 13K in Mutual funds & 2K in ELSS fund… straight away 45K goes out from my salary..
我28岁，最近结婚，在一家汽车跨国公司工作。我的妻子是一位家庭主妇，虽然她已经读过金融MBA，但她选择了做家庭主妇。她不想过挣扎而复杂的生活，我们都想享受极致的生活。
我也感到很幸运，因为我被派到了我的家乡，拥有一栋别墅，这是我的梦想之家，坐豪华轿车去上班，和我的爸爸妈妈住在一起…
我每月收入约8.8万，扣除个税和其他激励部分后，我手头有约7.8万。
在7.8万中，花1.5万作还家庭贷款（幸运的是，我在家乡工作），在RD投资1.5万，在共同基金投资1.3万，在ELSS基金投资2K，直接从我的工资中扣除4.5万。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Still 10K remains in my hand for any emergencies/ shopping/ medical expenses/ Parties/ Sudden expenses etc.
We use to go for outings/ holidays once in every 6 months which costs around 25–30K…
We are enjoying the life in every possible manner….
Its very important to manage both i.e. your present & your Future… save something for your future however its more important to live your present tooo… Dont be worried more for future if your present is managed your future will definitely good.
Thanks!!! Enjoy the life.
在剩下的3.3万中，大约2-3K用于电费，（幸运的是，没有任何汽车贷款的负担，因为这是我岳父送给我妻子的），我的办公室距离我家15公里，通常在周末，我会和妻子一起开车跑长途，一个月花大约8千购买汽车燃油，花3千用于外出就餐和餐厅费用，花1千用于电视和手机话费；2千用于女佣，5~7千用于家庭住宿费用。
仍有10万存于手中，用于紧急情况：购物、医疗费用、聚会、突发费用等。
我们过去每6个月去一次郊游、度假，费用约为2.5~3万。
我们正在以各种可能的方式享受生活。
管理好你的现在和你的未来是非常重要的，为你的未来保存一些东西，但更重要的是活出你的现在。
谢谢，享受生活吧。
I live in Noida. I recently turned 26. I am in the Corporate sector & I get 70K in Hand. Here’s how I spend it
Rent : 13000, I stay alone in a studio apartment since all my friends moved out of the city/country.
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.
Send to parents: 5000 Well this amount can vary (increase) depending on what’s needed at home. But 5K is a fixed amount that I send to parents, even though they refuse to take it.
我住在诺伊达（印度新德里地区）。我刚满26岁。我在企业部门工作，到手7万。我是这么花的：
租金：13000，自从我所有的朋友都搬离城市/国家后，我一个人住一间单间公寓里。
摩托车每月分期费用:7500，还要还几个月。今年11月后我就不用还这个钱了。
定期存款：3万，我到现在为止没有存款，因为我过去经常超支，信用卡上有大量债务，大约55万。我最近还清了所有债务，并开始储蓄，因为我可能会在明年结婚，所以这笔储蓄在那时会派上用场。
电费：1500，现在我一个人住，所以无需那么多了。
电话和无线网络费用：1500，无线网络1200，电话费300。
给父母：5000，这个数额可能会根据家里的需要而变化（增加）。但5000是我转给父母的固定金额，即使他们拒绝接受也转。
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 private college.
Also, this is my first answer on Quora, but have to go anonymous for some reasons
每月清洁费：900，摩托车清洁（Dhananjay sahab）：300，清洁女工：600（我从未问过她的名字）。她一周只来一次，因为这是一间单人公寓，而我一周只在那里住3-4天，而且不会那么脏。休息2-3天，我在女友家过夜。
每月的食品：2500，其中包括20L的瓶装水水。我可能一个月订购4瓶，每个月大约340。价格昂贵，因为在我住的地方，他们只提供每瓶75卢比的水，配送费10卢比。
其它费用：7760，这是专门用于点餐或外出或看电影和购物。当我说购物时，我指的是买一双运动鞋。
附言：我从2016年的每月收入1.5万起步，到2019年达到每月7万。我来自一个中产阶级家庭，在一所私立大学获得理工学士学位。
此外，这是我在Quora上的第一个回答，但出于某些原因不得不匿名。