成家的預算

on Nov 14 in 英台聯姻須知 tagged by

我不喜歡「意外」,就算是「驚喜」都很討厭,我偏好事情完全在掌控之內.
不管計畫做啥,我總會從各個角度沙盤推演個幾遍,確定自己已為絕大部分的可能性做好準備,才會執行.
打算買個房子「成家」更是,我要先知道所有必須的開銷,和可能發生的各種意外防護措施.

訪問了幾對已經成家的朋友夫妻,找來以下數據,做了總結 – 成家每個月至少1200元英鎊的固定開銷,給大家參考囉.


1. Council tax – 每個月100英鎊,依房子價值而定.
2. TV license – 每年120英鎊. Sky 另計.
3. æ°´è²» – 每個月10英鎊,包含供應和送出.
4. 瓦斯 – 每3個月40英鎊.
5. 電費 – 每3個月60英鎊.
6. 房屋保險 – 每年250英鎊,包含屋殼和內容物兩種保險.
7. 車保險 – 每年200英鎊.
8. 房貸 – 每個月650英鎊.若貸款100,000英鎊左右,平均每個月要繳600-700英鎊不等.
9. 人壽險 – 每個月10英鎊.
10. 電話費 – 每個月10英鎊.
11. patrol – 每個月140英鎊.
13. 食物 – 每個月120英鎊.

平均每個月至少的開銷是:1122英鎊.

這些還不包括手機費,每年要繳的所得稅,親友生日和過年過節的各種紅白包,和購物等.
如果你冬天暖氣多開一點,那帳單上的數字自然是要再加一點.
更不用提旅行出遊,上館子,看電影,甚至連買名牌食物都不在此預算之內.
以上預估還就只是夫妻兩人,養一台車,想當然爾,若還有小孩,那開銷絕對不止於此.
所以我相信,如果連每個月1200英鎊都沒有,不僅不會有存款,那生活品質恐怕會很糟,壓力會太大...

我個人又是嬌生慣養大的,不旅行,連喝杯咖啡都要想一下的生活,可能會導致我脾氣太壞,嚴重影響夫妻感情.
依我個人的標準,夫妻每個月的總收入至少要能是開銷的2倍,才是穩當的成家計畫.

295 Comments

  • page12 says:

    wow~六萬六台幣~一個家~二個人~
    我是沒算過台灣的~但我想一定不用那麼多

    每次算著算著,就真的覺得不要生小孩,以免害慘自己也害慘baby

  • Sita says:

    英國消費真是很驚人
    (驚!)
    不過荷蘭這邊也好不到哪裡去!

  • 阿民 says:

    那這該怎麼辦呢~
    還要買嗎?

  • Sophiee says:

    我也是習慣凡事照計畫來
    因為較有安全感…

    但還是有狀況外的事,
    如:房貸(結婚後突然降臨)

    所以,計畫永遠趕不上變化!
    我覺得還是要有存款才安心…

    只不過,這麼高消費的英國,
    要如何購屋呢??

  • 阿民 says:

    不知道會發生什麼事,所以我先哭著跑開好了ing…

  • 我和男友是在7月底”成家”的,
    脫離與父母同住的生活才發現
    自己原本有多麼的幸福…
    有了自己的房子之後,大大小小的
    開銷都必須精打細算,
    為了不讓結婚的預算拖垮自己,
    還把婚期往後延到明年.
    “成家”實在是甜蜜又沉重的負擔呀!

  • 住歐洲的家庭主婦 says:

    Emily,

    住在歐洲這樣的預算, 已經算很低了.

    你的食物每月支出只要60英鎊, 有沒有少寫了一個零呢?

    在英國這種高消費的國家, 兩人每月食物花費為600英鎊都不算多的.

  • emily says:

    dear page12,
    台灣ㄉ應該不用這麼多啦, 東西便宜, 還有夜市呢! 這是算英國這邊ㄉ啦~

    dear Sita,
    歐洲普遍都貴一點, 尤其我們從便宜ㄉ台灣來, 真ㄉ是啥都貴…

    dear 阿民1,
    買阿, 別人都辦ㄉ到, 當然我們也行阿! 反正還在看房子, 等看上了經過一連串ㄉ法律程序, 沒個半年也搬不了, 這期間趕緊賺錢就是啦~

    dear Sophiee,
    沒錯, 總有意外ㄉ開銷, 我也贊成一定要有存款才好…

    dear 阿民2,
    幹嘛跑, 心虛阿!? 也好啦, 不然你老過酒肉縱橫ㄉ日子, 是該運動一下啦…

    dear cAthy 凱西貓,
    是呢, 是甜蜜但又很沉重, 我問ㄉ這幾對夫妻也都是這麼說ㄉ呢!

    hello, 住歐洲的家庭主婦,
    不用吃到600鎊啦! 我們每星期去買菜花ㄉ錢算下來, 差不多這個數字耶! 不用加到一個0啦, 頂多算120鎊, 兩倍, 應該夠了喔~ 莫非… 是我們兩個吃太少?!!

  • 住歐洲的家庭主婦 says:

    我們可能是吃太多/太好了.嗚…60鎊才合80歐元, 還不夠我們一家3口在法國4天的菜錢(是自己下廚的歐, 吃餐廳的話大概一頓就沒了).

    看來我該好好自我檢討了…

  • amy says:

    反正花得多赚的也多,在中国内地倒是便宜,但是赚得也不多阿
    emily真是个生活能手,精打细算,善于理财才是真正会过日子的主儿,嘿嘿

  • emily says:

    dear 住歐洲的家庭主婦,
    我想應該是說你比較會煮菜啦! 我不會煮, 所以都以簡單方便為原則, 像是 pasta å°±2顆洋蔥+絞肉+冷凍蔬菜一包+一罐現成ㄉpasta醬, 搞定! 這樣我們兩個一餐才花不到2鎊吧…

    dear amy,
    沒錯啦, 花得多赚的也多, 再加上英國福利好, 要我辛苦一點我還算心甘情願啦~

  • sweetkiwi says:

    Dear Emily
    我也不愛沒有計劃的生活
    因此
    目前還沒有計畫要買房子
    讓自己準備結婚就要負債

    以前在英國吃一個大亨堡要台幣125左右的天價
    我記憶猶新…
    一個月要6萬多的生活費…真是嚇死人了!
    有準備比較好~
    ^^

  • Davey says:

    想傳在亞洲, 拿台灣本地的家庭來說好了, 有一種特別的習俗. 那就是娘家會給嫁出去的女兒一筆私房錢. 說是私房錢是不與先生共享的, 女兒獨用的. 如果是台灣來的先生或許知道此習俗, 但就算知道也不知道有多少, 也[依照習俗]不方便過問. 如是老外先生, 那根本就是不知道.
    所以女孩說 “你的錢是我的錢, 但我的錢是我的錢!” :^)

    別算太精細, 有雙收入的頂克族還怕不夠用嗎? :^)

    這也許和文化有關, 在這我看他們不像東方人可以兩個人穿三條褲子那樣拼著命存錢. 他們較注重生活的品質. 即使是中產或以下階級的家庭他們都有一個很好的預算. 其中一定包含旅遊和娛樂. 懂得 enjoy 生活, 人生才有光彩! 他們這麼覺得.

  • emily says:

    dear sweetkiwi,
    住台灣比較容易, 跟父母擠一下人家還覺ㄉ你孝順, 天經地義呢! 但外國人比較喜歡獨立, 所以我們也不能老跟父母擠, 得要盡快獨立才行, 即便我們大家都感覺挺好ㄉ, 但是怕人家異樣眼光啦!

    dear Davey,
    “懂得 enjoy 生活, 人生才有光彩!” … 哈, 我也這麼覺ㄉ!

  • jerocca says:

    ……無言….

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