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Their portrait
Between them, Aurélie, 28, and Pierre, 33, receive nearly € 5 per month. A comfortable income that allows them to reimburse the purchase of a large house, go on vacation several times a year, buy branded shoes for their daughters (5 years and 2 1/2 years) or even eat organic.
These young parents have the impression that “the money is flying fast”. And yet, they don’t see themselves as big spenders. The latest game consoles, high-end cars… very little for them. Also, Aurélie prefers to take her children to the library and to the toy library rather than buying them books and toys.
This family, originally from Drôme, offered to reveal their expenses to us.
Income: € 5080 per month
Pierre’s salary: € 3150 net per month
Pierre works as an engineer.
Aurélie’s salary: € 1800 net per month
Aurélie is a liberal nurse, “with rather cool schedules at the moment”, she specifies.
Family allowance: 130 € per month
Fixed expenses: € 3085 per month
Mortgage repayment: € 1477 per month
Four years ago, Aurélie and Pierre became owners of an old house of 160 m² and a plot of 400 m². The bank granted them a 17-year loan.
Consumer credit repayment: € 180 per month
The couple borrowed money to do some landscaping work. “We hired a company to change all of our windows, but my husband re-insulated the veranda himself. It would have cost us too much to go through professionals, ”says Aurélie.
Taxes: 330 € per month
This sum, paid each month to the Public Treasury, includes income tax, property tax and housing tax.
Gas, electricity, water: 170 € per month
“We are using electric heating, so we are very careful with our consumption. The temperature does not exceed 17 ° C, even in winter. As for the water, we teach our daughters not to let it run for too long in the shower. Beyond the financial aspect, we think of our planet! », Explains the young mother.
Internet / Telephone subscription: € 30 per month
Mobile phone subscription: € 38 + € 10 per month
Transport: 250 € per month
This budget includes auto insurance, highway costs, gasoline and maintenance of the two cars owned by the couple, “a station wagon and a (very) old Super 5 that will soon have to be changed”.
Childcare costs: 600 € per month
Aurélie and Pierre’s eldest daughter goes to school. She is welcomed at the CLAE * between noon and two and in the evening, until 17 p.m. The little one is kept in a nursery.
* Leisure Center Associated with the School
Other expenses: € 1220 per month
Shopping budget: 800 € per month
Food is THE item of expenditure on which the couple is not ready to make sacrifices. Aurélie and Pierre consume “expensive” products (parmesan, chocolate, growth milk for their youngest daughter, etc.) and favor organic products.
In addition to shopping at the supermarket, the couple spend between € 15 and € 20 at the market each week and frequent the local organic grocery store.
The young parents also treat themselves to a one-on-one pizza evening, “the ones in the truck, around the corner, the best in the world!” », Once a week, which represents a budget of 80 € per month.
Clothing budget: 100 € per month for the whole family
In reality, Aurélie and Pierre hardly buy clothes. On the other hand, the young mother often admits falling for her daughters: “I love to dress them! I don’t buy brands except for shoes. “
Budget outings: 100 € per month
The couple treat themselves to a romantic evening at a restaurant, once a month. Or a budget of around € 75, plus € 25 for the babysitter.
Extracurricular activities: 150 € per year
Pierre takes his two daughters to the baby swimmers once a week.
Extras: 50-60 € per month
Our young mother pays € 60 every four months to the hairdresser, her husband, € 15 every three months. The couple also buys books, gifts for their children or their friends every month …
Drugstore: 60 € per month
“I buy special soaps for my little one, the liniment, physiological serum (we consume tons of them!), And my care creams,” explains Aurélie.
Holiday budget: 1200-1300 € per year
Since they are parents, Aurélie and Pierre no longer make trips abroad. They prefer to camp or rent a lodge, rather than going on an organized trip. This summer, the little family is spending a week in a house 800 meters from the beach, in Pas-de-Calais. Cost: 450 €. On the spot, they plan to spend a hundred euros.
Other destinations are planned for the year.
Savings: 600 € per month
Aurélie and Pierre manage to set aside between 600 and 700 €, the good months. This money will be used to buy a new car and continue the work in their house.
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