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.

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