你的月薪是怎么花的？（上）
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Kamala Sekar
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.
Medical Insurance for 4 members (not for olders) per year Rs.12,000 (Note - it is very benefit and safety one) - Rs.1,000 per month
LIC Insurance Premium only - Rs.2,000 per month.
School Fees for my Girl Child - Rs.2,500 per month
我住在泰米尔纳德邦的蒂鲁普尔(我是一名会计)。我40岁，月薪只有3万卢比(没有其他福利)。我的家庭成员有7个人，“是的”(2个孩子，3个老人，还有我和我的妻子，过去4年里，我的收入只用于我的家庭的各种支出)
必需品的支出——牛奶3000卢比，大米和其他食品5000卢比，水果和蔬菜2000卢比，零食和其他食品2000卢比——每月总计12000卢比。
医疗——这7名成员的平均医疗费用(日常医疗费用)——每月3000卢比。
我的个人开销/去附近的地方出差/拜访亲戚——每月5000卢比。
4名成员(不包括老人)的医疗保险每年12,000卢比(注意，这是非常有利和安全的)——每月1,000卢比
人寿保险费每月2000卢比。
我女儿的学费——每月2500卢比
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.
Medical Insurance for 4 members (not for olders) per year Rs.12,000 (Note - it is very benefit and safety one) - Rs.1,000 per month
LIC Insurance Premium only - Rs.2,000 per month.
School Fees for my Girl Child - Rs.2,500 per month
我住在泰米尔纳德邦的蒂鲁普尔(我是一名会计)。我40岁，月薪只有3万卢比(没有其他福利)。我的家庭成员有7个人，“是的”(2个孩子，3个老人，还有我和我的妻子，过去4年里，我的收入只用于我的家庭的各种支出)
必需品的支出——牛奶3000卢比，大米和其他食品5000卢比，水果和蔬菜2000卢比，零食和其他食品2000卢比——每月总计12000卢比。
医疗——这7名成员的平均医疗费用(日常医疗费用)——每月3000卢比。
我的个人开销/去附近的地方出差/拜访亲戚——每月5000卢比。
4名成员(不包括老人)的医疗保险每年12,000卢比(注意，这是非常有利和安全的)——每月1,000卢比
人寿保险费每月2000卢比。
我女儿的学费——每月2500卢比
So, take an average saving amount of Rs.3000 per month x 12 = Rs.36,000 per year- from this only i am spending / managing for other expenses - like Clothings, Outings, Buying Home Necessary Electronic Items & maintenances and Ornaments.
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.
所以，平均每个月能攒下3000卢比x12=每年36000卢比——我只从这里面支付其他开支——像买衣服，外出，购买和维修家里必要的电子产品和装饰品。
我10年前用我妈妈的30万卢比的积蓄投资了一块土地，3年前我卖掉了这块地，然后用这笔钱买了一小块建筑用地，建了一栋楼。因为有自己的房子，所以不需要支付租金。
我挣得不多(对7个人来说)，所以要勤俭持家。我也渴望我和我的家人能过上奢侈的生活——但我的生活只能这样。
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.
所以，平均每个月能攒下3000卢比x12=每年36000卢比——我只从这里面支付其他开支——像买衣服，外出，购买和维修家里必要的电子产品和装饰品。
我10年前用我妈妈的30万卢比的积蓄投资了一块土地，3年前我卖掉了这块地，然后用这笔钱买了一小块建筑用地，建了一栋楼。因为有自己的房子，所以不需要支付租金。
我挣得不多(对7个人来说)，所以要勤俭持家。我也渴望我和我的家人能过上奢侈的生活——但我的生活只能这样。
Ankita Mahesh Shinde
I'm 24 year girl not only girl …I'm a married woman also ,full-time house wife as well as student also…. I'm not a salaried person…
But after marriage my husband give me a 5000 rupees as a poket money and that all money I spent in mutual fund as SIP .
I didn't spent a single rupee on me. I just think that saving money now will help me in future for any financial problems. Money saved today will grow tomorrow.
Why I answered this question because I assume that pocket money as a salary …..
我是一个24岁的女孩，不只是一个女孩，我也是一个已婚妇女，全职家庭主妇，同时也是一个学生....我不是工薪族……
婚后，我丈夫每月给我5000卢比作为零花钱，我把所有的钱都投资在了共同基金上。
我没在自己身上花一分钱。我只是认为现在存钱对我将来遇到经济问题会有帮助。今天存的钱明天会增值。
为什么我回答这个问题，因为我认为我的零花钱也可以作为一种工资.....
I'm 24 year girl not only girl …I'm a married woman also ,full-time house wife as well as student also…. I'm not a salaried person…
But after marriage my husband give me a 5000 rupees as a poket money and that all money I spent in mutual fund as SIP .
I didn't spent a single rupee on me. I just think that saving money now will help me in future for any financial problems. Money saved today will grow tomorrow.
Why I answered this question because I assume that pocket money as a salary …..
我是一个24岁的女孩，不只是一个女孩，我也是一个已婚妇女，全职家庭主妇，同时也是一个学生....我不是工薪族……
婚后，我丈夫每月给我5000卢比作为零花钱，我把所有的钱都投资在了共同基金上。
我没在自己身上花一分钱。我只是认为现在存钱对我将来遇到经济问题会有帮助。今天存的钱明天会增值。
为什么我回答这个问题，因为我认为我的零花钱也可以作为一种工资.....
Raj Malhotra
I live in Mumbai and my age is 38. I make exactly Rs.43,000/- every month.
I send Rs.5000/- every month to my younger brother for his expenses as he is studying. He is in the final year.
I stay as a paying guest where I pay rent of Rs.6000/- month. It includes food for two times and stays.
Rs.75/- every day for traveling expenses which makes Rs.1875/-(Rs.75*25).
Rs.50/- every day for lunch during working days and Rs.110/- on non-working days(Zomato/swiggy very costly nowadays) which makes Rs.1690/-(Rs.50*25+Rs.110*5).
I have monthly expenses of Rs.2000/- on different aspects like tea, coffee.
I know I make very little compared to my fellow mates in Mumbai. But my life had very dramatic changes and I am happy with this shift. However, looking for growing up as age is crossing and family is looking for me to take their responsibilities also.
我住在孟买，今年38岁。我每个月正好赚43000卢比。
我每个月寄5000卢比给我弟弟，作为他的学费，他是最后一个学年。
我是一名租客，每月需要支付6000卢比的租金。包括两餐和住宿费。
每天75卢比的差旅费，也就是1875卢比(75*25卢比)。
工作日的午餐是50卢比，非工作日是110卢比(现在Zomato/swiggy外卖非常贵)，这些一共是1690卢比(50*25+ 110*5)。
我每个月的额外花费是2000卢比，用于不同的方面，比如茶和咖啡。
我知道与孟买的同事相比，我挣得很少。但我的生活发生了巨大的变化，我很高兴这种转变。然而，随着年龄的增长，其他家庭成员也在让我负担他们的生活。
I live in Mumbai and my age is 38. I make exactly Rs.43,000/- every month.
I send Rs.5000/- every month to my younger brother for his expenses as he is studying. He is in the final year.
I stay as a paying guest where I pay rent of Rs.6000/- month. It includes food for two times and stays.
Rs.75/- every day for traveling expenses which makes Rs.1875/-(Rs.75*25).
Rs.50/- every day for lunch during working days and Rs.110/- on non-working days(Zomato/swiggy very costly nowadays) which makes Rs.1690/-(Rs.50*25+Rs.110*5).
I have monthly expenses of Rs.2000/- on different aspects like tea, coffee.
I know I make very little compared to my fellow mates in Mumbai. But my life had very dramatic changes and I am happy with this shift. However, looking for growing up as age is crossing and family is looking for me to take their responsibilities also.
我住在孟买，今年38岁。我每个月正好赚43000卢比。
我每个月寄5000卢比给我弟弟，作为他的学费，他是最后一个学年。
我是一名租客，每月需要支付6000卢比的租金。包括两餐和住宿费。
每天75卢比的差旅费，也就是1875卢比(75*25卢比)。
工作日的午餐是50卢比，非工作日是110卢比(现在Zomato/swiggy外卖非常贵)，这些一共是1690卢比(50*25+ 110*5)。
我每个月的额外花费是2000卢比，用于不同的方面，比如茶和咖啡。
我知道与孟买的同事相比，我挣得很少。但我的生活发生了巨大的变化，我很高兴这种转变。然而，随着年龄的增长，其他家庭成员也在让我负担他们的生活。
Anonymous
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.
我在迪拜工作，月薪是6500AED，大约相当于13万印度卢比。
我最大的花销是我每月的租金，我在我的办公室附近租了一个小房子，租金是每月2000AED(40000卢比)，但这节省了交通费用。我本可以和别人合住，在租金上花更少的钱，但是作为一个内向的人，我不喜欢和一两个男人分享我的私人空间。
我26岁，但我避免约会，因为在这里约会很费钱，而且我还不够富有。
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.
我在迪拜工作，月薪是6500AED，大约相当于13万印度卢比。
我最大的花销是我每月的租金，我在我的办公室附近租了一个小房子，租金是每月2000AED(40000卢比)，但这节省了交通费用。我本可以和别人合住，在租金上花更少的钱，但是作为一个内向的人，我不喜欢和一两个男人分享我的私人空间。
我26岁，但我避免约会，因为在这里约会很费钱，而且我还不够富有。
I try to cook most of the times, but sometimes I order outside. My monthly food and beverages cost around 600 AED.
Again, I try to live very strictly. I haven't bought a new pair of shoes in almost a year. But just for the sake of it, lets say I spend around 200 AED on Entertainment or shopping every month.
So my monthly expenses are 2000 + 600 + 200 = 2800 AED.
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.
大部分时间我都自己做饭，但有时我会在外面点餐。我每个月的食物和饮料大约花费600AED。
再说一次，我的生活很节俭。我已经快一年没买双新鞋了。为了方便起见，我们假设我每个月在娱乐或购物上花费大约200AED。
所以我每个月的开销是2000+600+200=2800AED。我每个月能剩下大约3700AED，也就是大约74000卢比。
我以前在印度，一个月能剩下35000卢比。现在我能剩下两倍的钱，但代价是我失去了工作之外的生活。
Again, I try to live very strictly. I haven't bought a new pair of shoes in almost a year. But just for the sake of it, lets say I spend around 200 AED on Entertainment or shopping every month.
So my monthly expenses are 2000 + 600 + 200 = 2800 AED.
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.
大部分时间我都自己做饭，但有时我会在外面点餐。我每个月的食物和饮料大约花费600AED。
再说一次，我的生活很节俭。我已经快一年没买双新鞋了。为了方便起见，我们假设我每个月在娱乐或购物上花费大约200AED。
所以我每个月的开销是2000+600+200=2800AED。我每个月能剩下大约3700AED，也就是大约74000卢比。
我以前在印度，一个月能剩下35000卢比。现在我能剩下两倍的钱，但代价是我失去了工作之外的生活。
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.
我计划在接下来的一年里继续这样做，这样我就有足够的存款来创业。
我来自一个贫穷的家庭，我不得不从零开始，看到我的银行余额每个月都在增长，这让我感到满足，感觉我今天所做的牺牲一定会带来更好的明天。
希望在我27岁的时候，我可以开一家自己的小买卖，这样我的孩子和他们的孩子就不必像我或我的父母那样做出太多牺牲。
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.
我计划在接下来的一年里继续这样做，这样我就有足够的存款来创业。
我来自一个贫穷的家庭，我不得不从零开始，看到我的银行余额每个月都在增长，这让我感到满足，感觉我今天所做的牺牲一定会带来更好的明天。
希望在我27岁的时候，我可以开一家自己的小买卖，这样我的孩子和他们的孩子就不必像我或我的父母那样做出太多牺牲。
Happy Mittal
I am 32 years old, working as an applied scientist in the India Machine Learning team at Amazon. Due to covid, I am working from home (in Gurgaon), and my work hours are mostly decided by my 1.5 years old daughter.
We are a joint family of 5 members plus 2 kids. Unfortunately, my father passed away last year and now I and my younger brother take care of financial expenses. We have our own home hence no rent. Coming to how I spend my monthly salary, here is a typical descxtion of that. All figures are in INR.
Household Expenses: 30k to my mom for household expenses (grocery, maid salary etc.). My younger brother and I contribute equally (30k each).
Bills: 20k. Various bills like electricity biil, water bill, mobile recharges etc.
OTTs: 2k. I have taken annual subscxtions of nearly all common OTTs like Netflix, Hotstar, SonyLiv etc.
我今年32岁，是亚马逊印度机器学习团队的一名应用科学家。由于新冠肺炎，我在家工作(在古尔加翁)，我的工作时间主要由我1.5岁的女儿决定。
我们是一个五口之家，还有两个孩子。不幸的是，我的父亲去年去世了，现在我和我的弟弟负责经济开支。我们有自己的房子，不用付房租。说到我如何花我的工资，下面会有一个全面的描述。所有数据均以印度卢比计算。
家庭开支:给我妈妈3万卢比用于家庭开支(食品杂货、女佣工资等)。我的弟弟和我每人支付3万。
账单:2万卢比。各种账单，如电费、水费、手机充值费等。
视频网站会员:2万卢比。我订阅了几乎所有常见的在线视频网站，比如Netflix、Hotstar、SonyLiv等。
I am 32 years old, working as an applied scientist in the India Machine Learning team at Amazon. Due to covid, I am working from home (in Gurgaon), and my work hours are mostly decided by my 1.5 years old daughter.
We are a joint family of 5 members plus 2 kids. Unfortunately, my father passed away last year and now I and my younger brother take care of financial expenses. We have our own home hence no rent. Coming to how I spend my monthly salary, here is a typical descxtion of that. All figures are in INR.
Household Expenses: 30k to my mom for household expenses (grocery, maid salary etc.). My younger brother and I contribute equally (30k each).
Bills: 20k. Various bills like electricity biil, water bill, mobile recharges etc.
OTTs: 2k. I have taken annual subscxtions of nearly all common OTTs like Netflix, Hotstar, SonyLiv etc.
我今年32岁，是亚马逊印度机器学习团队的一名应用科学家。由于新冠肺炎，我在家工作(在古尔加翁)，我的工作时间主要由我1.5岁的女儿决定。
我们是一个五口之家，还有两个孩子。不幸的是，我的父亲去年去世了，现在我和我的弟弟负责经济开支。我们有自己的房子，不用付房租。说到我如何花我的工资，下面会有一个全面的描述。所有数据均以印度卢比计算。
家庭开支:给我妈妈3万卢比用于家庭开支(食品杂货、女佣工资等)。我的弟弟和我每人支付3万。
账单:2万卢比。各种账单，如电费、水费、手机充值费等。
视频网站会员:2万卢比。我订阅了几乎所有常见的在线视频网站，比如Netflix、Hotstar、SonyLiv等。
10k to my mom for her personal expenses/savings.
20k to my wife for her personal expenses
Dine-out: 5k for eating out. We typically dine out twice a month.
Fuel: 3k for petrol (thanks to WFH because of which it has come down significantly).
Sport: 700. I have a group of friends and we book a ground to play cricket every sunday.
Misc: 10k for misc expenses like medical, clothes, food order etc.
Currently, I don't have to spend anything on school fees etc but once my daughter starts going to school, then that will be a significant addition to our expenditure.
给我妈妈1万卢比，用于她的个人开支/储蓄。给我妻子两万卢比，用于她的个人开销
外出就餐:5千卢比。我们一般一个月出去吃两次饭。
燃料:汽油3千卢比(感谢远程工作，因为汽油花费已经显著下降)。
运动:700卢比。我有一群朋友，我们每个星期天都会订一个场地来打板球。
杂项:10万卢比，用于医疗、衣服、订餐等杂项费用。
目前，我不需要在学费等方面花钱，但一旦我的女儿开始上学，那将是我们开支的一个重大增加。
20k to my wife for her personal expenses
Dine-out: 5k for eating out. We typically dine out twice a month.
Fuel: 3k for petrol (thanks to WFH because of which it has come down significantly).
Sport: 700. I have a group of friends and we book a ground to play cricket every sunday.
Misc: 10k for misc expenses like medical, clothes, food order etc.
Currently, I don't have to spend anything on school fees etc but once my daughter starts going to school, then that will be a significant addition to our expenditure.
给我妈妈1万卢比，用于她的个人开支/储蓄。给我妻子两万卢比，用于她的个人开销
外出就餐:5千卢比。我们一般一个月出去吃两次饭。
燃料:汽油3千卢比(感谢远程工作，因为汽油花费已经显著下降)。
运动:700卢比。我有一群朋友，我们每个星期天都会订一个场地来打板球。
杂项:10万卢比，用于医疗、衣服、订餐等杂项费用。
目前，我不需要在学费等方面花钱，但一旦我的女儿开始上学，那将是我们开支的一个重大增加。
Vikash Agarwal
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Hey there, I am 25 years old and currently working as an operational engineer under HCL Technologies and I am not satisfies with my job role. Currently I am Earning 33k/per month after all deductions. I have a girlfriend named Saloni whom I met in my college and its now 2.5 years since we are dating. We have planned to get married in next 1.5-2 years as both of us family are okay with it. Saloni is working at TCS and currently earning more than me but that’s totally okay.
So how I spend my salary:
你好，我今年25岁，目前在HCL技术公司担任运营工程师，我对我的工作角色不满意。目前我的收入是税后33000卢比。我有一个女朋友叫萨洛尼，我们是在大学里认识的，现在我们已经交往两年半了。我们计划在未来1.5-2年内结婚，因为我们的家人都同意了。萨洛尼在TCS工作，目前收入比我高，但这完全没有问题。
那么我的工资是怎么花的呢?
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Hey there, I am 25 years old and currently working as an operational engineer under HCL Technologies and I am not satisfies with my job role. Currently I am Earning 33k/per month after all deductions. I have a girlfriend named Saloni whom I met in my college and its now 2.5 years since we are dating. We have planned to get married in next 1.5-2 years as both of us family are okay with it. Saloni is working at TCS and currently earning more than me but that’s totally okay.
So how I spend my salary:
你好，我今年25岁，目前在HCL技术公司担任运营工程师，我对我的工作角色不满意。目前我的收入是税后33000卢比。我有一个女朋友叫萨洛尼，我们是在大学里认识的，现在我们已经交往两年半了。我们计划在未来1.5-2年内结婚，因为我们的家人都同意了。萨洛尼在TCS工作，目前收入比我高，但这完全没有问题。
那么我的工资是怎么花的呢?
1. Household Expenses: 11k/ month goes to Rent, electricity Bill, Food etc. Thanks to Covid, Work from Home gave 60% relaxtion in this expenses.
2.Shopping: 4k/per month goes to grocery, fruits, vegies shopping. Thanks to Pocketsavers telegram channel due to which I can buy quality products worth 3k at just 600 from online shopping Loots and price error deals.
3.Investing: Invests around 4k/per month in equity and mutual funds and RD.
4.Health Insurance: 3k/per month for my MOM& DAD. Company is taking care of mine.
1.家庭开支:每月11000卢比用于房租、电费、食物等。多亏了新冠肺炎，“在家办公”让这部分支出减少了60%。
2.购物:每月花4000卢比去杂货店买水果，蔬菜。感谢Pocketsavers电报频道，我可以用600卢比的价格从网上购物和价格错误交易中购买到价值3k的优质产品。
3.投资:每月在股票、共同基金上投资约4000卢比。
4.健康保险:每月花费3千卢比为我的父母购买保险。我的个人保险由公司负责。
2.Shopping: 4k/per month goes to grocery, fruits, vegies shopping. Thanks to Pocketsavers telegram channel due to which I can buy quality products worth 3k at just 600 from online shopping Loots and price error deals.
3.Investing: Invests around 4k/per month in equity and mutual funds and RD.
4.Health Insurance: 3k/per month for my MOM& DAD. Company is taking care of mine.
1.家庭开支:每月11000卢比用于房租、电费、食物等。多亏了新冠肺炎，“在家办公”让这部分支出减少了60%。
2.购物:每月花4000卢比去杂货店买水果，蔬菜。感谢Pocketsavers电报频道，我可以用600卢比的价格从网上购物和价格错误交易中购买到价值3k的优质产品。
3.投资:每月在股票、共同基金上投资约4000卢比。
4.健康保险:每月花费3千卢比为我的父母购买保险。我的个人保险由公司负责。
5.Gifts: 3k/month goes to Saloni, my sister and mom as gifts. Again thanks to POCKETSAVERS channel due to which it was made possible. I gifted Saloni a Fastrack watch worth Rs.2200 which costs me just 220 due to price error. I gifted BIBA clothes to my mom and sister at just Rs.300 each. Haha I know that was really amazing trick. xD
6.Fooding: 700/month goes to Fast food that I order from Dominos,Zomato and Swiggy at loot price as Pocketsavers helps with coupon and cashback.
7.Expenses: 2k/month goes to regular medicine, gym and OTT subscxtions.
8..Liquid Funds: 5k/month doesn’t goes anywhere. It is kept idle in my savings account as an emergency fund or travelling fund.
5.礼物:每月花3000卢比购买礼物送给萨洛尼，我的妹妹和妈妈。再次感谢POCKETSAVERS频道，它使这一切成为可能。我送给了萨洛尼一块价值2200卢比的Fastrack手表，但由于价格错误，只花了我220卢比。我把BIBA的衣服以每件300卢比的价格送给我妈妈和姐姐。哈哈，我知道这是一个很神奇的魔术。
6.食物:每月花费700卢比用于我从Dominos,Zomato和Swiggy以优惠价格订购的快餐，因为Pocketsavers提供优惠券和现金返还。
7.每月花费2000卢比用于常规医疗、健身和视频网站订阅。
8.流动资金:每月可以攒下5000卢比，它一直闲置在我的储蓄账户中，作为应急基金或旅行基金。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
6.Fooding: 700/month goes to Fast food that I order from Dominos,Zomato and Swiggy at loot price as Pocketsavers helps with coupon and cashback.
7.Expenses: 2k/month goes to regular medicine, gym and OTT subscxtions.
8..Liquid Funds: 5k/month doesn’t goes anywhere. It is kept idle in my savings account as an emergency fund or travelling fund.
5.礼物:每月花3000卢比购买礼物送给萨洛尼，我的妹妹和妈妈。再次感谢POCKETSAVERS频道，它使这一切成为可能。我送给了萨洛尼一块价值2200卢比的Fastrack手表，但由于价格错误，只花了我220卢比。我把BIBA的衣服以每件300卢比的价格送给我妈妈和姐姐。哈哈，我知道这是一个很神奇的魔术。
6.食物:每月花费700卢比用于我从Dominos,Zomato和Swiggy以优惠价格订购的快餐，因为Pocketsavers提供优惠券和现金返还。
7.每月花费2000卢比用于常规医疗、健身和视频网站订阅。
8.流动资金:每月可以攒下5000卢比，它一直闲置在我的储蓄账户中，作为应急基金或旅行基金。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Shivam Srivastava
My basic intro: I am 25 and I am a corporate employee in a well known MNC.
This particular question reminds me of the pre-covid scenario that we were all so used to! How well the 30–30–40 rule of debt-expenses-savings worked out for us but all we were left with was a small amount for our occasional cravings.
Not an year ago, I was earning less than half of what I am earning now. I used to get ₹22385 when I joined as a fresher. Now I am earning close to ₹50k a month owing to big hikes I received for my performance (without switching the company).
我的基本介绍:我今年25岁，是一家知名跨国公司的员工。
这个特别的问题让我想起了新冠病毒爆发前的情景，那个我们都习以为常的生活!债务-开支-储蓄的30-30-40法则对我们来说是多么的合理，但我们只剩下一小部分可以用于偶尔的娱乐。
不到一年前，我的收入还不到现在的一半。当我以毕业生的身份进入公司时，我的工资是22385卢比。而现在我的工资接近5万，这是因为我的业绩大幅提升了(没有换公司)。
My basic intro: I am 25 and I am a corporate employee in a well known MNC.
This particular question reminds me of the pre-covid scenario that we were all so used to! How well the 30–30–40 rule of debt-expenses-savings worked out for us but all we were left with was a small amount for our occasional cravings.
Not an year ago, I was earning less than half of what I am earning now. I used to get ₹22385 when I joined as a fresher. Now I am earning close to ₹50k a month owing to big hikes I received for my performance (without switching the company).
我的基本介绍:我今年25岁，是一家知名跨国公司的员工。
这个特别的问题让我想起了新冠病毒爆发前的情景，那个我们都习以为常的生活!债务-开支-储蓄的30-30-40法则对我们来说是多么的合理，但我们只剩下一小部分可以用于偶尔的娱乐。
不到一年前，我的收入还不到现在的一半。当我以毕业生的身份进入公司时，我的工资是22385卢比。而现在我的工资接近5万，这是因为我的业绩大幅提升了(没有换公司)。
Life was good then and it's much better now. I had zero liabilities then and now however I am a proud owner of ₹4L worth of depreciating assets I bought within the last one year itself which includes a laptop worth of ₹1.15L, which were my dream. Some may call it a bad financial decision, others call it living on the edge. Although I feel like I am done for now but then the thought of having a DSLR and a drone (Mavic Mini 2) is too tempting.
₹10k straight to mutual funds.
I live at home due to, ofcourse, the pandemic, so ₹0 rent.
那时的生活很好，但现在更好了。当时我的负债为零，但现在我自豪地拥有自己在过去一年内购买的价值40万卢比的贬值资产，包括价值11万5千卢比的笔记本电脑，这是我的梦想。有些人可能会说这是一个糟糕的财务决定，也有人说这是在挥霍。虽然我觉得我现在已经完成了梦想，但一想到单反和无人机，这太诱人了。
以下是我的工资支出:
1万卢比直接购买共同基金。我住在家里，当然是因为疫情，所以是0房租。
₹10k straight to mutual funds.
I live at home due to, ofcourse, the pandemic, so ₹0 rent.
那时的生活很好，但现在更好了。当时我的负债为零，但现在我自豪地拥有自己在过去一年内购买的价值40万卢比的贬值资产，包括价值11万5千卢比的笔记本电脑，这是我的梦想。有些人可能会说这是一个糟糕的财务决定，也有人说这是在挥霍。虽然我觉得我现在已经完成了梦想，但一想到单反和无人机，这太诱人了。
以下是我的工资支出:
1万卢比直接购买共同基金。我住在家里，当然是因为疫情，所以是0房租。
₹5k for my monthly expenses like petrol, books, accessories etc.
₹5k for daily home expenses.
₹30k goes to savings
This ₹30k each month is my savings for my post-covid life which I am probably going to exploit travelling India and eating junk.
Now, I am grateful to have born in a well-to-do family. Hence, I don't have any obligations at home as well. This helps me retain a certain lifestyle which I always cherished as a middle-class boy.
5千卢比用于每月的汽油、书籍、配件等费用。日常家庭开支每月5k卢比。每月剩下3万卢比可以存到银行。
每月3万卢比是我为新冠肺炎后的生活攒的钱，我可能会利用这笔钱去旅行和吃垃圾食品。
现在，我庆幸自己出生在一个富裕的家庭。因此，我在家里也无需承担任何义务。这帮助我实现了我作为一个中产阶级男孩一直珍惜的生活方式。
₹5k for daily home expenses.
₹30k goes to savings
This ₹30k each month is my savings for my post-covid life which I am probably going to exploit travelling India and eating junk.
Now, I am grateful to have born in a well-to-do family. Hence, I don't have any obligations at home as well. This helps me retain a certain lifestyle which I always cherished as a middle-class boy.
5千卢比用于每月的汽油、书籍、配件等费用。日常家庭开支每月5k卢比。每月剩下3万卢比可以存到银行。
每月3万卢比是我为新冠肺炎后的生活攒的钱，我可能会利用这笔钱去旅行和吃垃圾食品。
现在，我庆幸自己出生在一个富裕的家庭。因此，我在家里也无需承担任何义务。这帮助我实现了我作为一个中产阶级男孩一直珍惜的生活方式。
Bhargevi Banala
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.
我是一个27岁的已婚女性。我的税后月薪是63500卢比。我每个月都有绩效奖励。奖励金额从2000卢比到25000卢比不等。这完全是根据当月的销售额来计算的。所以，我总是把绩效当作额外奖励，不会基于它来预算我的开支/储蓄。
我和我的丈夫和公婆住在一起。我的母亲和祖母住在同一个城市。我在结婚前一年失去了父亲。我负责我妈妈和祖母的开支，因为他们没有任何收入来源。
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.
我是一个27岁的已婚女性。我的税后月薪是63500卢比。我每个月都有绩效奖励。奖励金额从2000卢比到25000卢比不等。这完全是根据当月的销售额来计算的。所以，我总是把绩效当作额外奖励，不会基于它来预算我的开支/储蓄。
我和我的丈夫和公婆住在一起。我的母亲和祖母住在同一个城市。我在结婚前一年失去了父亲。我负责我妈妈和祖母的开支，因为他们没有任何收入来源。
Following is my expenses breakdown;
Mom’s home rent - 17,622 / month
Transfer to mom - 3000 / month
Electricity of both houses - 3000 / month
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.
Currently I am retaining this as liquid money which can be used for unplanned expenses like medical, vacation etc.
以下是我的费用明细;
母亲的房屋租金-17622/月，转给妈妈—3000/月，两栋房子的电费—3000/月，做饭-3000/月，蔬菜和水果-6000/月，个人开支(购物/出游/打车)—5000/月，杂项-1000/月，剩余24244/月。我的丈夫负责房租、杂货和女佣的费用。
目前我保留这笔钱作为流动资金，可以用于计划外的开支，如医疗、度假等。
Mom’s home rent - 17,622 / month
Transfer to mom - 3000 / month
Electricity of both houses - 3000 / 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.
Currently I am retaining this as liquid money which can be used for unplanned expenses like medical, vacation etc.
以下是我的费用明细;
母亲的房屋租金-17622/月，转给妈妈—3000/月，两栋房子的电费—3000/月，做饭-3000/月，蔬菜和水果-6000/月，个人开支(购物/出游/打车)—5000/月，杂项-1000/月，剩余24244/月。我的丈夫负责房租、杂货和女佣的费用。
目前我保留这笔钱作为流动资金，可以用于计划外的开支，如医疗、度假等。
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.
关于我的开支和储蓄的几点要点;我嫁了一个极好的人。他完全支持我把我的薪水贡献给这两个家。他的支持力度是如此之大，以至于他会与任何质疑我们这一决定的人进行争辩。
能够给我的妈妈和奶奶一个舒适的生活，我感到非常高兴。我负责她们的主要开支。我奶奶从中央政府的自由斗士基金里拿到了1万的养老金，因为我的祖父参与过争取自由的斗争。我妈妈每个月能从保险金和父亲去世后的保险中得到5600利息。他们用这笔钱来支付其他费用。
我妈妈已经开始自己挣钱了。她已经开始在她的社区中销售糖果和咸菜。这是一笔非常小的收入，但是这已经足够让她感到独立，支付很少的开支和过一个有尊严的生活。这对她来说是一大步，因为她做了一辈子的家庭主妇。我为她感到骄傲。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
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.
关于我的开支和储蓄的几点要点;我嫁了一个极好的人。他完全支持我把我的薪水贡献给这两个家。他的支持力度是如此之大，以至于他会与任何质疑我们这一决定的人进行争辩。
能够给我的妈妈和奶奶一个舒适的生活，我感到非常高兴。我负责她们的主要开支。我奶奶从中央政府的自由斗士基金里拿到了1万的养老金，因为我的祖父参与过争取自由的斗争。我妈妈每个月能从保险金和父亲去世后的保险中得到5600利息。他们用这笔钱来支付其他费用。
我妈妈已经开始自己挣钱了。她已经开始在她的社区中销售糖果和咸菜。这是一笔非常小的收入，但是这已经足够让她感到独立，支付很少的开支和过一个有尊严的生活。这对她来说是一大步，因为她做了一辈子的家庭主妇。我为她感到骄傲。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
My main purpose of writing this answer is to inspire girls to stand on their own feet and support both the families when required.
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.
我写这个答案的主要目的是激励女孩们自立，在需要的时候支持两个家庭。
我的第一项主要投资是一个终身保险。如果我出了什么事，我不想让我妈妈或我丈夫在经济上陷入困境。我想保障我妈妈的生命，也想确保我的丈夫能够实现我们在我如果出事之后的所有梦想。
我知道我还有很长的路要走。我的投资少得可怜。但我对自己承担所有责任的方式感到满意。当我父亲去世时，他脸上带着一种微妙的微笑，这表明他对我有信心，相信我会处理好一切。每个月，当我付账单的时候，我觉得我没有辜负他对我的信任。
我感谢上帝给了我这样一个可爱的丈夫。他对我的信心使我更加努力，朝着我的目标前进。他就是我想要的一切。我们一起实现了很多梦想。我们正在努力实现每一个目标。
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.
我写这个答案的主要目的是激励女孩们自立，在需要的时候支持两个家庭。
我的第一项主要投资是一个终身保险。如果我出了什么事，我不想让我妈妈或我丈夫在经济上陷入困境。我想保障我妈妈的生命，也想确保我的丈夫能够实现我们在我如果出事之后的所有梦想。
我知道我还有很长的路要走。我的投资少得可怜。但我对自己承担所有责任的方式感到满意。当我父亲去世时，他脸上带着一种微妙的微笑，这表明他对我有信心，相信我会处理好一切。每个月，当我付账单的时候，我觉得我没有辜负他对我的信任。
我感谢上帝给了我这样一个可爱的丈夫。他对我的信心使我更加努力，朝着我的目标前进。他就是我想要的一切。我们一起实现了很多梦想。我们正在努力实现每一个目标。
Samax Jain
I am 33 with 12 lac per annum. But we all know that your earnings never be enough to live a happy life.
When I started my career I earn 4k per month but eventually with experience and learning I am able to earn enough now to live a decent life.
I bought a home 4 years back but don't live there as it is in outskirts. Not sure if it was wrong decision.
I took personal loan for my marriage. Definitely wrong decision due to peer pressure.
Now, I am paying my house rent, home loan EMI, personal loan EMI and other utility bills. 50% of my monthly salary goes into EMI and rent. And offcourse have family responsibilities.
I enjoy everything with what is little left with me without a single penny of saving.
In crux - with more salary you create more liabilities.
我33岁，年薪120万卢比。但我们都知道，你的收入永远不足以让你过上幸福的生活。
当我开始我的职业生涯时，我每个月挣4k，但最终随着经验和学习，我现在能够挣到足够的钱过上体面的生活。
我4年前买了一套房子，但没有住在那里，因为它在郊区。不知道这是不是一个错误的决定。
我为我的婚姻申请了个人贷款。这绝对是由于结婚压力而做出的错误决定。
现在，我要付房租、住房贷款、个人贷款和其他公用事业费用。我每月工资的50%用于还贷和支付房租。当然还有家庭责任。
我没有一分钱的积蓄，我用剩下的不多的钱享受一切。关键是，薪水越多，负债越多。
I am 33 with 12 lac per annum. But we all know that your earnings never be enough to live a happy life.
When I started my career I earn 4k per month but eventually with experience and learning I am able to earn enough now to live a decent life.
I bought a home 4 years back but don't live there as it is in outskirts. Not sure if it was wrong decision.
I took personal loan for my marriage. Definitely wrong decision due to peer pressure.
Now, I am paying my house rent, home loan EMI, personal loan EMI and other utility bills. 50% of my monthly salary goes into EMI and rent. And offcourse have family responsibilities.
I enjoy everything with what is little left with me without a single penny of saving.
In crux - with more salary you create more liabilities.
我33岁，年薪120万卢比。但我们都知道，你的收入永远不足以让你过上幸福的生活。
当我开始我的职业生涯时，我每个月挣4k，但最终随着经验和学习，我现在能够挣到足够的钱过上体面的生活。
我4年前买了一套房子，但没有住在那里，因为它在郊区。不知道这是不是一个错误的决定。
我为我的婚姻申请了个人贷款。这绝对是由于结婚压力而做出的错误决定。
现在，我要付房租、住房贷款、个人贷款和其他公用事业费用。我每月工资的50%用于还贷和支付房租。当然还有家庭责任。
我没有一分钱的积蓄，我用剩下的不多的钱享受一切。关键是，薪水越多，负债越多。
Anwesha Jana
I am 26 and a banker. My monthly salary is almost Rs 44000 in hand. And this is how I spend my salary-
Credit card bill on the very first day of the month averages to Rs 2500 per month.
Transportation cost is around Rs 1600 per month.
Electricity bill averages to Rs 1000 per month, since I stay alone and most of the time I am out of my house.
Lunch at office costs Rs 1700 per month on average.
Since I stay alone, groceries and vegetables amount to Rs 2000 on average per month.
Miscellaneous expenses include Ola/ Uber/ Outings/ Gifts which amount to Rs 2000 on average.
So, in total, my expenses do not exceed Rs 12000 per month. I stay at my father's flat, so I do not need to pay rent. Even if I did not, my office would have paid my rent expenses. Hence, I get to save more than Rs 30000 per month.
I am not much of a risk taker, so I do not invest in mutual funds and stocks. But, I love to travel, a lot. Hence once a while a bulk amount of my savings goes into travel expenses.
我今年26岁，是一名银行职员。我的月薪将近4.4万卢比。我是这样花我的薪水的。
每月第一天的信用卡账单平均为每月2500卢比。交通费用大约是每月1600卢比。电费平均每月1000卢比，因为我一个人住，大部分时间我都不在家。办公室午餐平均每月花费1700卢比。因为我一个人住，杂货和蔬菜平均每个月要花2000卢比。其他费用包括Ola/Uber/外出/礼物，平均为2000卢比。
所以总的来说，我每个月的花费不超过12000卢比。我住在我父亲的公寓，所以我不需要付房租。即使我没有房子住，我的办公室也会支付我的房租。因此我每个月能省下3万多卢比。
我不太喜欢冒险，所以我不投资共同基金和股票。但是我非常喜欢旅行。因此有一段时间，我的大部分存款都花在了旅行上。
I am 26 and a banker. My monthly salary is almost Rs 44000 in hand. And this is how I spend my salary-
Credit card bill on the very first day of the month averages to Rs 2500 per month.
Transportation cost is around Rs 1600 per month.
Electricity bill averages to Rs 1000 per month, since I stay alone and most of the time I am out of my house.
Lunch at office costs Rs 1700 per month on average.
Since I stay alone, groceries and vegetables amount to Rs 2000 on average per month.
Miscellaneous expenses include Ola/ Uber/ Outings/ Gifts which amount to Rs 2000 on average.
So, in total, my expenses do not exceed Rs 12000 per month. I stay at my father's flat, so I do not need to pay rent. Even if I did not, my office would have paid my rent expenses. Hence, I get to save more than Rs 30000 per month.
I am not much of a risk taker, so I do not invest in mutual funds and stocks. But, I love to travel, a lot. Hence once a while a bulk amount of my savings goes into travel expenses.
我今年26岁，是一名银行职员。我的月薪将近4.4万卢比。我是这样花我的薪水的。
每月第一天的信用卡账单平均为每月2500卢比。交通费用大约是每月1600卢比。电费平均每月1000卢比，因为我一个人住，大部分时间我都不在家。办公室午餐平均每月花费1700卢比。因为我一个人住，杂货和蔬菜平均每个月要花2000卢比。其他费用包括Ola/Uber/外出/礼物，平均为2000卢比。
所以总的来说，我每个月的花费不超过12000卢比。我住在我父亲的公寓，所以我不需要付房租。即使我没有房子住，我的办公室也会支付我的房租。因此我每个月能省下3万多卢比。
我不太喜欢冒险，所以我不投资共同基金和股票。但是我非常喜欢旅行。因此有一段时间，我的大部分存款都花在了旅行上。
Jalaj Kumar
I'm 27 years old and i earn 24k per month. I'm working in a company where I do copy paste job. I don't have any skills so I make my earning by doing copy paste job in excel sheets.
Before that I was working in an international BPO where I was getting 15k–18k (variation due to monthly incentives). I made bad decisions in my life due to which I wasn't able to get nice job.
I live with my family in our own house so we don't have to pay monthly rents or EMI. Every month I give 10k–12k to my parents for household expenses. Alongside that, I also do online recharge of mobile, DTH, wifi etc. My father worked in government and he gets his monthly pension. Financially, we are stable and don't have any EMIs to pay.
My monthly expenses is around 13k-15k. I live a simple life and don't drink, travel or spend extravagantly.
Am I happy?
No, I dreamed very high for myself but couldn't meet my potential. I failed at everything which I started. To make it worse, my father almost always curse and abuse me for not doing anything big in life. But my mother still believes in me and she always motivate me to do better in life and career. But I disappoint her always. I was never a good son and possibly never will be.
我今年27岁，月薪2.4万卢比。我在一家公司做复制粘贴的工作。我没有任何技能，所以我通过在excel表格中复制粘贴来赚钱。
在此之前，我在一家国际业务流程外包公司工作，我的工资是15k-18k(由于每月的奖励而有所不同)。在我的生活中，我做了很多错误的决定，这导致我找不到一份好工作。
我和我的家人住在我们自己的房子里，所以我们不必每月支付租金。每个月我给父母1万到1.2万作为家庭开支。除此之外，我还要支付手机费、电视费、wifi等。我父亲在政府部门工作，每月可以领取到养老金。财务上，我们是稳定的，没有任何贷款需要还。
我每个月的开销在13k-15k左右。我过着简朴的生活，不喝酒，不旅游，不挥霍。
我快乐吗?不，我对自己有很高的期望，但没有实现。我开始做的每件事都失败了。更糟糕的是，我的父亲几乎总是诅咒和辱骂我在生活中没有做出什么大事。但我的母亲仍然相信我，她总是激励我在生活和事业上做得更好。但我总是让她失望。我从来都不是一个好儿子，将来也可能永远不会是。
I'm 27 years old and i earn 24k per month. I'm working in a company where I do copy paste job. I don't have any skills so I make my earning by doing copy paste job in excel sheets.
Before that I was working in an international BPO where I was getting 15k–18k (variation due to monthly incentives). I made bad decisions in my life due to which I wasn't able to get nice job.
I live with my family in our own house so we don't have to pay monthly rents or EMI. Every month I give 10k–12k to my parents for household expenses. Alongside that, I also do online recharge of mobile, DTH, wifi etc. My father worked in government and he gets his monthly pension. Financially, we are stable and don't have any EMIs to pay.
My monthly expenses is around 13k-15k. I live a simple life and don't drink, travel or spend extravagantly.
Am I happy?
No, I dreamed very high for myself but couldn't meet my potential. I failed at everything which I started. To make it worse, my father almost always curse and abuse me for not doing anything big in life. But my mother still believes in me and she always motivate me to do better in life and career. But I disappoint her always. I was never a good son and possibly never will be.
我今年27岁，月薪2.4万卢比。我在一家公司做复制粘贴的工作。我没有任何技能，所以我通过在excel表格中复制粘贴来赚钱。
在此之前，我在一家国际业务流程外包公司工作，我的工资是15k-18k(由于每月的奖励而有所不同)。在我的生活中，我做了很多错误的决定，这导致我找不到一份好工作。
我和我的家人住在我们自己的房子里，所以我们不必每月支付租金。每个月我给父母1万到1.2万作为家庭开支。除此之外，我还要支付手机费、电视费、wifi等。我父亲在政府部门工作，每月可以领取到养老金。财务上，我们是稳定的，没有任何贷款需要还。
我每个月的开销在13k-15k左右。我过着简朴的生活，不喝酒，不旅游，不挥霍。
我快乐吗?不，我对自己有很高的期望，但没有实现。我开始做的每件事都失败了。更糟糕的是，我的父亲几乎总是诅咒和辱骂我在生活中没有做出什么大事。但我的母亲仍然相信我，她总是激励我在生活和事业上做得更好。但我总是让她失望。我从来都不是一个好儿子，将来也可能永远不会是。
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