【龙腾网】你每月的工资是怎么花的

正文翻译

How do you spend your monthly salary?

你每月的工资是怎么花的?

评论翻译

Anonymous
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。

Following is my expenses breakdown;
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。

Our house is just 15 minutes walking distance from office. Hence, we don’t incur any cost on travelling. We own 2 2-wheelers which we use mostly on weekends.
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

Currently I am retaining this as liquid money which can be used for unplanned expenses like medical, vacation etc. If I can save a significant amount by the end of the year, I will invest it or add up for 4 wheeler down payment amount.
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。

My first main investment is a life term plan. I don’t want my mom or my husband to struggle financially if something happens to me. I want to secure my mom’s life and ensure my husband will be able to fulfill all our dreams after me.
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。