Personal finance

"I earn a lot, but I do not have enough money"

In our new column "Family budget" recently appeared the story of a pair of investment banker and PR manager. Despite the fact that the combined income of Anton and Galina reaches 280 thousand, they believe that this money is not enough for a comfortable standard of living. Young people are going to get married and have children only after their incomes increase. We found a few more people who earn good money but still complain about a lack of money.

Maria

copywriter in an advertising agency

Income: about 180 thousand rubles a month


Spontaneous trips

At the main job I get 150 thousand, and I also have freelance, which leaves another 100 thousand in three months. I rent an apartment to my friends for 20 thousand and rent a room for almost the same money, but in the center. What all the other money is spent on, I don’t understand. I guess I just work a lot, and therefore I need to relax a lot. I often travel, I can spontaneously break somewhere, for example, fly to Europe to visit my girlfriend. This always happened so unexpectedly that I wouldn’t have time to save money and therefore I used a credit card. Only a couple of months ago I closed a debt on it, otherwise for some time I even got fines for late payments. So I lost about 5 thousand, but last year thanks to her I saved a little - I used the accumulated miles twice to pay for the flight.

At first I look at the cheapest plane tickets, but then I understand that I’m not ready to go to the airport at five in the morning.

Last year, I broke my travel record. I visited New York, London, Edinburgh, flew to St. Petersburg for the weekend and twice to France - to visit my friend and the Cannes Film Festival. This year I already managed to fly to Greece, and I also had a business trip to the USA. I try to spend not so much on travel. I used to go to where I have friends and you can live for free. Now I'm trying to look for budget and decent options on AirBnb. Of course, I first look at the cheapest plane tickets, but then I understand that I’m not ready to go to the airport at five in the morning. On trips, I try not to spend too much on food. I can take Americano to McDonald's, and this is enough for me for half a day, but if I go somewhere with friends, then, of course, I order food for the company and spend money.

A lot of food

Recently, I did not go to work for three weeks - and immediately I began to eat less. Apparently, I began to get enough sleep, stopped getting nervous, and therefore I started to buy not so much food. Now I went back to the office and again I can go out for food five times a day: buy dessert, go for lunch, have lunch, then have a snack and afternoon tea. I can spend about 1.5 or 2 thousand rubles a day on food. I try to drink less coffee, but I take two cups a day in the coffee house. I rarely buy any of the products at home. I sometimes drop by Auchan, but more with all kinds of napkins and garbage bags, and just in case I can buy pasta or canned tuna. I hardly ever go home, so cooking just makes no sense.

I can spend about 1.5 or 2 thousand rubles a day on food.

The last two or three years I spend so much time at work that I don’t have time to get in shape, I don’t fit into my clothes of my previous size and so far I decided not to buy anything new. So that comes a small savings. I sold the car last year, simply because I worked at two bus stops from home. Now I am at a new job, the office is located beyond the MKAD. In theory, you can get there by metro, but I'm still ordering a taxi. I also use car sharing. I can spend ten thousand a month on transport.

The remaining expenses are not so big, but in the end they translate into a decent amount. I go to the movies quite often. The premiere advertisement pops up on Facebook - and I'm going to this film. Therefore, I spend 500 rubles per session. I periodically meet with my parents and try to pay for them. For birthdays I give them quite expensive gifts - a computer, iPhone, a good bag. I feel that I must somehow help my parents, and this sometimes happens not only on holidays.

I have several subscriptions, I support several friends on Patreon and donate to the fund for helping turtles. I myself have two turtles, but they are not very expensive for me - I just buy cucumbers for them. I also go to manicure and hair removal, I give 5 thousand twice a month for therapy. Although when the money is not very, I usually endure the session. I spend another 6 thousand a month in English, but I also sometimes paused it because of a lack of money.

Oksana (name changed at the request of the heroine)

Graphic Designer

Income: 200 thousand rubles a month


The disappearance of money

I have the main full-time job, where I get a salary of 180 thousand rubles, and sometimes I also take freelance. Mostly orders come from friends and acquaintances. Freelance projects add me another 20 thousand extra income every month. What money is spent on is an interesting question. I tried to increase my financial literacy, even installed a program for this, but so far everything has been unsuccessful.

I tried to increase my financial literacy, even installed a program for this, but so far everything has been unsuccessful.

I rent an apartment and spend 55 thousand rubles a month on it, I still have a loan. The amount of mandatory spending is about 70 thousand, and I still have 120-130 thousand. And where this money goes, I have no idea. In addition, the more I earn, the more difficult it is for me to monitor how much and what I spend. It seems that with planning and finances I was better when I got 50 thousand.

Travel and cosmetics

Traveling is a big expense item. They are not only very frequent, but quite large-scale. And while traveling, I turn on the "live once" mode, so I do not deny myself anything and try to extract the maximum of impressions. The last year has been very busy - I visited the USA, Bali, and Berlin. There were business trips where I also bought something for myself. On May holidays, I’m going to the States again. It is always an expensive trip, it is difficult to stop there and stop buying a bunch of things in stores, because it seems that everything is there, even if you do not need it. Going to Europe again in the summer. In Moscow, I also spend a lot on entertainment, especially in the summer, when the festivals season begins. Now I am in charge of health, I go to the dentist, and this is expensive.

When traveling, I turn on the "live once" mode, so I do not deny myself anything and try to get the most out of my impressions.

Previously, clothing, cosmetics and perfumes were a big budget item. Last year I try to buy less, but nonetheless I often take something in the luxury segment. I am an impulsive person, especially when it comes to buying cosmetics. For me, spending money on her is a kind of sacred ritual. If I’m upset and angry, or, conversely, I closed some important project at work or did something useful in life, I need to go materialize it - buy cosmetics. Recently, they sent me a promotional code for several mini-formats, but they just don’t give them, you need to buy something. I didn’t need anything, but I still bought myself a huge can of concealer.

Ready meal

I only have breakfast at home, so I only buy cereals, milk, eggs. I dine in the office, and dine most often somewhere. I come home in the evening, absolutely exhausted, and I don’t feel like carrying bags, standing by the stove, so I order delivery of ready meals. Usually this is some kind of junk food, but when I feel sorry for my body and health, I turn to a more proper diet. Near the house opened a daily bread cafe, and I often go in and take soups and salads there.

Sometimes it seems to me that I should stop living like this, go to the store and buy a huge amount of products.

Sometimes it seems to me that I should stop living like this, go to the store and buy a huge amount of products. I think that from tomorrow I will definitely cook the first, second, third, take food stalls for work and feed my brother who lives with me. At such moments, I spend a lot of money on groceries, compose a menu in my head and come up with amazing dishes, but most often after a week it all just goes bad in my refrigerator.

I do not have any financial goals and desires - to buy a car or an apartment, to save something. Therefore, I spend it simply and instantly, extracting the maximum of impressions and emotions from money. I like to treat myself to delicious food, once again not to go to work on foot, but to call a taxi because I did not get enough sleep.

Alexander (name changed at the request of the hero)

marketing director

Income: 600 thousand rubles a month


Restaurants and repairs

I have several sources of income - my total income reaches 600 thousand rubles a month. In addition to the main job as a marketing director, I am conducting another project. Despite my high income, I am sorely lacking in money. I am currently renting an apartment and at the same time paying a mortgage. It takes 120 thousand a month. The house is still under construction, but almost completed, so I’ll move there soon. Now a lot of money goes for repairs. I took an apartment with decoration and thought that I would just move, but in the end I decided to change and remake almost everything - and it turns out pretty expensive. I haven’t bought anything yet, I just started to make repairs, and I already spent more than a million. Only the kitchen cost me 600 thousand rubles.

I haven’t bought anything yet, I just started to make repairs, and I already spent more than a million.

I can only move by taxi. I’ve been afraid of the subway since childhood, I have panic attacks there, so I can’t travel by public transport. I live not so far from the office, probably a 20-minute drive, but during the day I also have to attend working meetings. I do not have a driver’s license, and I still won’t get ready to do it. And in the context of the fact that it is very inconvenient with the car in Moscow now, I’m not at all sure that I will ever get the rights.

I had never done anything with my hands before, but now I close any need by calling the right specialist. For cleaning, I call the cleaner through the application. I practically do not buy food, because I do not eat or cook at home. In the morning, as a rule, I order delivery of ready meals, I go to business lunch for lunch, and almost every evening I visit restaurants - either with a girl or with friends. Naturally, I choose good institutions: Fish Market, Karlsson, Sky Lounge. A check can be more than 10 thousand, especially if you go with a girl.

Sneakers Collection

I spend a lot on clothes. When I'm sad, I try to amuse myself and buy one of the things. As a rule, I go to the Central Department Store. For the last three years I have switched to sneakers and sweatshirts; now I have about 30 sweatshirts and 15 pairs of sneakers. Hoodies buy expensive brands: Balenciaga, Gucci, Balmain. I don’t like Yeezy sneakers at all, but I probably have all the hype models that were recently released: Versace Chain Reaction, Balenciaga Track. For one trip to the store I can leave 300 thousand. I don’t wear the most expensive clothes for work. Our company does not boast about salaries and even try to hide their income, the CEO himself dresses in the office as modestly as possible.

When I'm sad, I try to amuse myself and buy one of the things.

Travel is also an important expense item. Recently, I don’t often fly somewhere, but if I’m resting, I try to choose good places and hotels. Very soon I’m flying with a girl to Dubai, we will stay at the Atlantis hotel - it is very large, there is a water park and the restaurant of Gordon Ramsay on its territory. The hotel itself is located on the Palma archipelago, the view from there opens on one side to the ocean, and on the other to the city. Naturally, the girl does not pay for anything, I take all the costs. I am a fan of everything new, and if something appears, then I immediately want it for myself. For example, even before the mass appearance in Russia, I bought the last iPhone for myself and the girl.

Friends criticism

I have a good friend who is very toughly jealous. For some reason, he decided that I was not a marketer, but a deputy. A friend constantly makes sarcastic comments, trolls me about my clothes and says that I have changed. I do not deny - I have become more demanding, I do not want to spend more time on some things. For example, I can come to a friend, and he offers to go to the garage. Of course, I refuse, he could have done it without me, and to spend time with me in a different way. And so usually all friends only rejoice for me.

My parents say that I don’t waste money, so I don’t have to tell them everything.

My parents say that I don’t waste money, so I don’t have to tell them everything. Our family is not rich, I had money a year and a half ago. Now I feel as if I have not played enough in childhood, and now I got to all this. Perhaps that’s why I can’t save and invest. I don’t even pay off my mortgage ahead of schedule because I don’t have enough money. But in general, I don’t plan to stop spending, I’m just going to earn even more.


Cover:makistock - stock.adobe.com

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