Translated material
My family and I live 30 thousand a month
23-year-old Anna Kotkevich married a cadet of the Military Academy in Serpukhov and moved to him in the hostel with her son. The three of them lived on a cadet salary - from 28 to 32 thousand rubles, plus they were financially supported by parents. The monthly spending of a young family for food amounted to no more than 10 thousand rubles, while, according to Kotkevich, he and his husband managed to save money - for a mortgage apartment for his son. “Cold” opens a new section “spent” , in which he talks about the income and expenses of Russians in different regions.
I am a military wife, and his salary is the only source of income for us and the child. We took a mortgage, we are repairing an official apartment and hard to save
The name and surname of the heroine are changed. Information about earnings and expenses is described from her words.
Name, surname: Anna Kotkevich
Age: 23 years
City: St. Petersburg; Serpukhov; Vologda region
With whom I live: husband, son 6 years old, dog from a shelter
Position and field: blogger on Instagram, used to work in SMM
Revenues: there is no own earnings from work by a blogger yet, the husband, studying at the Military Academy, received from 28 to 32 thousand rubles
Housing
I was born in the Irkutsk region, my parents were military. We constantly moved and lived in service apartments in military units. The husband is also from the military family: we met at eight years just in the military unit, where we lived with parents. He studied at Serpukhov at the Military Academy of Missile Forces of Strategic Forces, and I lived with my son from another marriage in St. Petersburg. When we got married, my husband allocated a room in a hostel, and my son and dog moved to him.
This year, the husband graduated from the Academy, and soon we will move to our first official apartment in the Vologda Oblast - we were allocated a two -room apartment, because we and I and I.
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We also bought an apartment in a mortgage for a son in St. Petersburg. The apartment in the Kudrovo area - it cost 5 million rubles. For the initial contribution to her, my husband and I set aside money and parents helped us. Mortgage loan for 20 years with a monthly contribution of 20 thousand rubles per month.
Lifestyle
After completing my studies, my husband will work as a signalman. We still do not know what his salary will be, because he has not yet signed the contract and did not see the conditions. When we equip an apartment in St. Petersburg, we will rent it until the child’s adulthood will be an additional source of income.
My parents and husband’s parents often help us financially, because they understand that we have not yet stood on our feet. Our parents are young: they are a little over 40 years old, they work. There is no such thing that every month they transfer some same amount. It happens that we don’t take money from them at all, but it happens that we ask for something specific or they themselves just transfer to us, for example, 5 thousand rubles. On holidays, they also transfer money to us and the child. My husband and I are not very comfortable to take money from parents, I want to be independent in this regard, but so far it is not possible.
Now, due to moving to the Vologda region and repairs, we can’t put it off at all, but while we lived in a hostel, my husband tried to postpone so that we had enough for the initial mortgage contribution.
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We can travel only in Russia: because of the work of my husband, we will not have any other opportunity. Sometimes we went from Serpukhov to Moscow. When we first went to Moscow together, my husband made me an offer at the rink on Red Square - it was very impressive. Last summer, we went to parents in the Irkutsk region, and rested in Lake Baikal. In the near future we want to go to Altai and Karelia.
When they lived in a hostel, most often the weekend was spent with friends: the colleague of her husband and his wife. We played board games: jenga, monopoly. We also cannot afford hiking in the cinema or theater.
We have a credit card with a limit of 30 thousand rubles, we used it when we made repairs in a room in a hostel. Now we do not use it, we just have it. We do not take installments. In addition to the mortgage apartment, we have nothing more.
Food
While my husband was studying at the Military Academy, we spent about 10 thousand rubles a month on food. They ordered the delivery of products from the supermarket at once for a month in advance. They bought meat (chicken or beef), potatoes, cereals, pasta, vegetables. The child went to kindergarten, and the husband spent the whole day studying, so they ate there several times a day there, and at home only in the evenings and on the weekend.
Husband and son are very fond of borsch: a huge pan is enough for three days. I often bake vegetables with chicken in the oven, cook potatoes and stuffed peppers. The child loves pasta. I can’t say that we cannot afford something from the products. Despite a small income, we have a rather diverse nutrition: there are always vegetables, meat.
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If we talk about holiday products, then for the New Year we always have a caviar bank, baked chicken, mashed potatoes, crab salad, olivier. We do not have certain traditions on the birthdays of certain traditions - it depends on the season and our wishes. On the last birth of a child, I baked a cake, with him we decorated it, and for my husband’s birthday we went with friends to barbecue.
At the beginning of life together, my husband and I often ordered the delivery of rolls and burgers, but quickly realized that it took a lot of money, so we refused delivery and prepare ourselves. We do not walk in the cafe with the family. I can afford a delicious raf in a coffee shop, but not often.
The main financial task is right now
Make repairs in an office apartment and furnish an apartment in St. Petersburg.
According to my estimates, about 200-300 thousand rubles will go to the service apartment. I plan to glue new wallpapers there, change linoleum, you need to buy all household appliances and furniture - the apartment is absolutely empty, not counting plumbing and stoves. First, we will buy a used cheaper and gradually we will change it to a new one.
According to my estimates, 116 thousand (this is without taking into account the cost of the work of furniture or delivery costs): in this amount I included the cost of the stove, kitchen, washing machine, refrigerator and table. I plan to order furniture with Wildberries, because everything is cheaper there than in stores.
I think that it will take about a year to arrange an office apartment and an apartment in St. Petersburg, because we will not attend everything financially at once.
The last major purchase
The most significant and important purchase for our family is the apartment that we bought in a mortgage with a very large monthly payment. Except for it, then I just bought a sofa. He cost 17.5 thousand rubles - his parents transferred the money to him.
Monthly expenses in addition to housing and food:
- Seasonal things: 2000-15000 rubles. Sometimes you have to spend a lot when a child grows out of the previous size and you need to buy shoes and clothes for the season. We spend about 2000 rubles a month basic: a couple of T -shirts, socks, panties;
- kindergarten: up to 1000 rubles on excursions and the theater from the garden;
- Toys for the child: about 2000 rubles;
- Internet: 1000 rubles;
- cellular communications: 1000 rubles for two;
- Transport: up to 500 rubles for the whole family went when we lived in Serpukhov. How much will be in the Vologda region, I do not know yet. We travel by public transport; Taxi prices, especially if you go with a child (who needs a car seat), for us just space;
- Beauty: the husband and son cut down every month for 600 rubles (300 rubles per haircut). I don’t spend money on myself, I make a manicure myself, I go to a hairdresser very rarely;
- Hobbies: 1500–2000 rubles. My husband and I often buy or some kind of book on creativity or materials for creativity, stationery;
- Dog: 500 rubles for feed, but mainly it is on natural nutrition. Once a year vaccination.
In total (without food and housing): 10100–23600 rubles per month.
Blitz
- What is your relationship to money? We are still building relationships with them. It’s hard to abandon impulsive purchases, and if the child asks to buy him some kind of toy, we buy. In the first couple of months of living together, we learned to draw up lists of purchases and adhere to this plan.
- Do you think your income is worthy? Yes, I believe that the salary of her husband, while he studied at the academy and was a student worthy. But now I want him to earn more. I think that we need at least 70 thousand rubles per month for the family. But, of course, the more, the better.
- What is there not enough income? For paid medical care.
- Do you plan an increase in income and due to what? I plan to develop a blog and monetize it. I also want to engage in creativity, sell paintings. And in the future there will be an additional income from renting an apartment.
The most difficult thing in life with a limited budget is that force majeure can happen. For example, something breaks from technology or one of us gets sick and we need to buy medicines. In such cases, we seek financial assistance to parents.
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Author: editors "cold"