[求助] 萬年老梗之經濟問題
本文為代po
朋友夫妻於今年九月底辦婚宴(已登記)
雙方都是我朋友
但他們長期居住國外
大學及工作才回到台灣
雙方父母也都長居國外
所以他們兩位對於婚後的花費完全是一種毫無頭緒的情況
我這個靠爸族無法給他們具體的建議
只好上來求助
先說明他們兩位的收入情況
男生有兩份收入 分存不同戶頭
A工作收入約6~7w B工作收入約4w
女生一份收入 約6w
目前有買房 房貸3w 有車無貸款
每年固定飛去看雙方父母 支出約12萬 分擔至每個月為1w
雙方均不需給孝親費
我和朋友雙方目前一起討論出來的經濟分配的規劃是
1.男生的B工作的戶頭用來支付房貸+看父母的費用
2.男女雙方每月各自撥款2w至共同賬戶
支付生活費、水電費、餐費、油錢
註:男生每日上班皆開車 女生則騎車
餐費一人每天約200~250(皆外食 含飲料咖啡)
偶爾週末會去吃好料的 兩人約1000
除冬天外在家必開冷氣 但冷氣是省電的大金變頻
雙方每天約工作至六點 週末不工作待在家
問題:如果是以上這種消費情況 四萬夠花嗎??
3.雙方每月各自拿出1.5w當作保險費用
4.雙方每月拿出5000做娛樂及置裝費(通常大部分花在女生身上)
5.女生剩餘2w定存 男生剩餘2w活存以備不時之需及出國旅遊費用
目前大致是這樣規劃
不曉得我們會不會想得太天真
ps男生確實是出比較多 但這是雙方共識
請大家給他們一點建議
對了 雙方會有年終獎金跟績效獎金 每年各自約15w
部分會用來做給雙方父母的過年紅包
也是有考慮是不是拿這筆來付保險費或存出國旅遊基金?
規劃完之後覺得錢賺再多也不夠用的感覺呀~~~
月存兩萬感覺好少
他們打算至少明年底才考慮懷孕
先了解一下在台生活可能有的支出
有什麼方法可以再存多一點呢?
如果考慮到未來小朋友的教育基金跟保姆費
再麻煩大家給一點意見
謝謝
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