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Their portrait
Laure and Julien, 26 and 25, live in a small town in Champagne-Ardenne. He is a salesperson, she is a school assistant. Their income, which amounts to a little over 1900 euros per month in total, allows them to live “just well” with their 4 year old daughter. “We don’t deprive ourselves, we don’t complain, but we pay attention,” explains the young mother.
Money is still a brake on their projects. Enlarge the family? Yes, but not right away. Not until Laure does not land a permanent contract. “Today, financially, with two children, it would not be manageable. Or else, we wouldn’t go on vacation anymore, we wouldn’t indulge ourselves in small pleasures… we don’t want to at the moment ”.
Laure and Julien have agreed to reveal their budget to us.
Income: between 1900 and 2200 € per month
Julien’s salary: € 1200 net per month
Julien is commercial. In addition to his fixed salary, he receives commissions on his sales, varying from 0 to 300 € per month.
Laure’s salary: € 609 net per month + € 100 “black”
The young mother is a school assistant, 20 hours per week, on fixed-term contracts. She supplements her income by around one hundred euros per month, not declared, by providing service to the elderly in her building (shopping, cleaning, etc.). “Something to put a little butter in the spinach,” she smiles.
The young couple no longer receive social benefits since Laure started working.
Fixed expenses: € 1090 per month
Rent: 450 € per month, heating included
The small family lives in a Champagne town of just over 20 inhabitants. She rents a T000 apartment of 3 m².
Housing tax: 53 € per month
Home insurance: € 14,62 per month
Electricity: 38 € per month
Gas (bottle): 20 € every 4-5 months
Water: 45 € per month
“We invested in a dishwasher, which is much more profitable than washing everything by hand! “, Argues Laure. “We have also fitted our shower head with a“ shower stop ”, which allows us to turn off and run the water again while keeping it at temperature. “
Consumer credit: € 260 per month
Three months ago, Laure and Julien decided to replace their old car with a brand new city car. They have committed to repay their purchase over 18 months.
Telephone / Internet subscription: € 31,90 per month
Mobile phone subscription: € 19,89 per month
Transport: 45 € (car insurance) + 25 € (gasoline) per month
Laure works 5 km from her home. Julien has a company car that he can use for his personal trips. His business takes care of insurance and gasoline.
Childcare costs: 9 € per month
Their daughter goes to daycare between noon and two.
Death insurance: € 2 per month
Mutual: € 80,02 per month for the whole family
Income taxes: 142 € per year
Random expenses: 727 € per month
Shopping: around 450 € per month
The couple do their shopping once a week, in supermarkets. He is a fan of promotions such as “one product bought, one offered” and often buys “wholesale” for a better quantity / price ratio. The family consumes the brand as well as the private label or the 1st prize.
Leisure budget: 20 € per term
Laure takes her daughter every week to baby swimming sessions.
“Extras” budget: around 60 € per month
Once a month, the little family indulges in the restaurant: “we get by for around forty euros, with a bottle of wine!” “. The rest of the “extras” budget is devoted to their daughter: a small toy, a book or a box of pencils, “from time to time, to make her happy”.
Hairdresser / beautician: 100 € per month
“My beautician comes to your home, it is much more practical with my daughter, and it does not cost more than in an institute. It’s my little pleasure! », Says the young mother.
Clothing budget: between 500 and 600 € per year for the whole family
“I buy mainly for my daughter and on sale! I anticipate by taking the size above, for the following year. “
Pharmacy budget: between 15 to 30 € per month
Holiday budget: around 500 € per year
Laure and Julien prefer short three-day weekends rather than long stays. “We recently went to Disney and found a small, inexpensive hotel: 44 € per night for three, in Paris, that seems very reasonable to me! “
Savings: 200 € per month
The couple manage to set aside € 200 per month. “Once the car loan is paid off, we hope to be able to borrow again, but this time to own our home! “
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