Chapter 9 Appendix Guangdong Ledger

This is an era when the relationship between people and money is extremely close. However, money is so close and yet so far away. Life is dismembered, and every part is marked with a price, so that we need to "pay" to live.Especially in the first-tier cities, "every day when I open my eyes, a series of numbers pop up: 6,000 for housing loan, 2,500 for food and clothing, 600 for human relations, 580 for transportation, 340 for property management, and 340 for mobile phone calls." The fee is two hundred and five, and the gas, water and electricity bills are two hundred... That is to say, from the first breath I wake up, I will earn at least four hundred a day, at least! This is the cost of my life in this city. I dare not slack off for a day." Said the heroine Haiping.

We are very curious, if a person lives in a first-tier city, how much he will spend in his life, and what is the book of this life.In order to solve this question, we intend to estimate it to avoid overdraft.Because, it will have serious consequences, which is what the "Proceedings of the National Academy of Sciences" said: "More money does not necessarily buy more happiness, but having less money is related to feelings of pain." Because it is impossible to predict housing prices and future price levels that even economists cannot understand, we will use the current average level of expenditure to estimate.Moreover, according to a person's normal life trajectory: from a single freshman in the workplace to a white-collar worker with a family and business (5 years), we set the account details as: clothing, food, housing, transportation, marriage, childbirth (education), medical care , entertainment and other major items.

First of all, we first present to you the living account book in Guangzhou. Living in Guangzhou for 20 years, the total cost is about 2.5 million. (1) Renting a house (5 years): 1500×12×5=90,000 According to the data released by Guangzhou Mantanghong Real Estate, in 2010, due to the demolition and renovation of urban villages in Guangzhou and the relative cooling of the second-hand housing market, residential leases increased year-on-year. (2) Transportation expenses (5 years): 150×12×5=9000 Since the implementation of new preferential policies for Guangzhou transportation in 2010, "monthly ticket holders" even said that transportation costs have risen instead of falling.The new preferential plan stipulates that "after citizens take the bus or subway with the same Yangcheng Pass 15 times in a natural month, they will enjoy a 40% discount on the fare starting from the 16th time, and the cumulative number of times per month will not be counted across months."If the bus fare is 2 yuan and the subway fare is 5 yuan, if you take the bus to work every day without transferring, the monthly travel cost is 64.8 yuan; if you need to transfer to a bus, the monthly travel cost is 117.6 If you travel by subway, the monthly travel fee is 162 yuan; if you take the subway to travel by empty brush at the beginning of the month, the monthly travel fee is 147 yuan.

(3) "Meal ticket" (5 years): 32×30×12×5=57600 In Maslow's hierarchy of needs theory, food is listed as the most basic and lowest level for human beings to maintain their own survival, and the daily "food expenses" cannot be saved anyway.According to the general expenses of online "bookkeeping" masters, if all three meals are settled outside, and each meal is only for "filling the stomach", then the cost is as follows: Breakfast: steamed bread + soybean milk = 2 yuan; Chinese meal : lunch box = 10 yuan; dinner: fast food = 10 yuan; plus fruit + snacks other than three meals: 10 yuan, daily expenses 32 yuan.

(4) Communication: 2000×5=10000 China has always been a "human society", and people in the "river and lake" always need to communicate and socialize.Communication here includes: classmate (colleague) gathering + love + wedding favors, because everyone has different standards, so it is calculated based on the basic market price of 2,000 yuan per year. (5) House purchase + decoration: 1.25 million If both lovers don't want to be "mature women" and "bachelors" all their lives, then they have to consider getting married.Previously, we have extended the single period to 5 years. After 5 years, if you want to get married, you must first face the "mother-in-law's needs"-the house issue.According to the "China Marriage Status Survey" conducted by Netease Women's Channel, 47% of women think that a house is an indispensable object when they get married.Compared with the "big three" in the 1980s, one piece of the house is heavy enough, not to mention the other two in the "new three" - the car and insurance.According to the registration of real estate transactions in the ten districts of Guangzhou last month released by Guangzhou Land and Housing Management Bureau in July, the average registered price of first-hand residential transactions is 12,560 yuan per square meter.If calculated according to the purchase of a small and medium-sized apartment of 80 square meters, the house alone will cost 1,004,800 yuan.If it is decorated in a simple style, the decoration fee will also cost 150,000.In addition to household appliances, furniture and daily necessities, another 100,000 is needed.

(6) Wedding: 110,000 Marriage can be described as a major event in life, and it cannot be done carelessly.In a widely circulated post on the Internet "The Cost of Marrying a Wife in Guangzhou", the author issued a marriage list, totaling: 109,699 yuan Wedding gold: 9999 yuan (probably the minimum consumption in Guangzhou) Various clothes: 2,000 yuan for the woman, 1,800 yuan for the man Diamond ring: 7,000 yuan for both parties (a thin diamond) Watch: The man’s watch is 2,000 yuan, but the woman may not buy it Wedding photos: 3,000 yuan (maybe no location shooting) Parents: buy clothes and handbags for the woman’s parents, a total of 1,800 yuan

Wedding etiquette: about 1,000 yuan (to decorate the wedding scene) Wedding banquet: 60,000 yuan (2,000 yuan per table, 30 tables in total) Guest package: 2,500 yuan (sugar, cigarettes, cakes) Wedding profit market: 1,600 yuan (opening the door and thanking sisters and friends) Drinks: 3,000 yuan (you can only drink red wine, forget about foreign wine) Moderator: 1000 yuan Wedding car: 3,000 yuan (1,000 yuan for the first car) Travel: 10,000 yuan (self-guided tours in Yunnan, Lijiang, Hainan, etc., if you have money, go to Korea, Japan, and Southeast Asia) (7) Buy a car and maintain a car: 340,000

On the basis of improving the quality of life and preparing for raising the next generation, the husband and wife share the burden of a car (if the partner is willing to accept the AA system), then it will be a huge expense.According to the market price of economical cars, it is basically concentrated in the range of 60,000-100,000, and 100,000 is the standard.Monthly car maintenance fees are also unavoidable. The Guangzhou Academy of Social Sciences released the "2008 China Guangzhou Automobile Industry Development Report", which shows that the cost of using a car in Guangzhou is getting higher and higher. "The average monthly cost of car maintenance in Guangzhou is more than 2,000 yuan. From a national perspective, Guangzhou is a city with high car maintenance costs, and the cost of car maintenance in Guangzhou is even higher than in developed countries." If the service life of a car is set to 10 years , then, the expenses in these 10 years will reach: 100,000+2000×12×10=340,000

(8) "Next Generation" expenses: 600,000 The discussion on whether to raise the next generation is not temporary. There were "DINKs" many years ago. However, if you choose to raise children, then you have to be prepared. Fenghuang.com published an article on Mrs. Hu, who lives in Guangzhou, listing her daughter's main expenses from birth to primary school graduation: Birth: (caesarean section operation fee) 5,000 yuan Milk powder: 20,000 yuan for 1-3 years old Nanny: 57,600 yuan for 1-6 years old Early education: 10,000 yuan for 1-6 years old School choice: 35,000 yuan

Extracurricular care classes: 37,800 yuan from grade 1 to grade 6 Extracurricular study: 54,000 yuan for English from grade 1 to grade 6 Dance: 36,000 yuan for 3-12 years old Piano: 50,000 yuan for grades 2-6 Table tennis: 32,000 yuan for grades 2-6 Travel: 56,000 yuan for 5-12 years old The above expenses are 393,400 yuan in total, not including the children’s daily food, clothing, and use expenses, as well as child care fees, tuition and miscellaneous fees, etc., most of which are extracurricular education expenses, accounting for about 84% of the total expenses. A large part of the cost of children's education is after college.According to the statistics of netizens, the general cost of studying in a domestic university for four years is between 40,000 and 100,000 yuan. If you go to Hong Kong to go to university, you will need at least 400,000 yuan for four years, and you will need to spend 150,000 to 150,000 yuan per year if you go to a university in the United States. 600,000 yuan, which is four or five times that of studying in a domestic university.

In 2009, Sun Liping, a famous sociologist at Tsinghua University, once said: "We often hear similar sayings in our daily life: sometimes the gap between the rich and the poor is bigger and it doesn't matter. The most fearful thing is that the poor will lose hope of upward mobility. A feeling of hopelessness." But looking at the high cost of an education is daunting. In March 2010, Zhonghong Insurance released the "Survey on the Happiness Index of Chinese Middle-class Families" in Shenzhen for the first time. The survey was carried out on 35 sample cities across the country. The survey results show that Shenzhen's happiness index ranks first among the cities in the country. In this survey, the top five items with the highest satisfaction among Shenzhen residents are "Shenzhen development and personal happiness", "happiness expectations", "family life", "Shenzhen people's identity" and "interpersonal relationship"; however, satisfaction The five lowest items were "Stress Level", "Social Class", "Medical Condition", "Social Security" and "Economic Status".It is not difficult to see that it is the last five items that really affect residents' happiness, and these five items are basically close to failing. The latter five items are closely related to the rapid development of the city of Shenzhen in the past 30 years.The transformation of cities will inevitably affect the lives of those who live in them.In the short 30 years, Shenzhen has become a first-tier city in the country; in the short 30 years, the cost of living in Shenzhen has undergone earth-shaking changes.In a survey report on the cost of living in global cities released by Mercer, a global expatriate employee compensation management consulting service provider, in 2010, Shenzhen ranked the highest in the world in terms of cost of living following Beijing (16), Shanghai (25) and Guangzhou (38) City's 42nd. People in Shenzhen not only face the upgrading of Shenzhen's industries and the adjustment and elimination of manpower structure, but also face the rising cost of living.This double pressure almost constitutes the biggest burden for Shenzhen people. Among them, if calculated based on living in Shenzhen for 20 years, the cost of living that needs to be paid will be as high as: 3.3 million (1) Rent a house (5 years): 1600×12×5=96000 yuan According to CREIS middle finger data, the average rental price of housing in Shenzhen in March 2010 was: 2,000 yuan/month for a one-bedroom, 2,550 yuan/month for a two-bedroom, and 3,150 yuan/month for a three-bedroom.Combining the three, the monthly rental cost per person will reach 1,600 yuan. (2) Transportation expenses (5 years): 2.5×2×30×12×5=9000 yuan In 2010, taxis in Shenzhen began to impose a fuel surcharge of 2 yuan, which almost made Shenzhen the title of the "most expensive" transportation in the country.A citizen compared the starting price of taxis in Shenzhen and Hong Kong, and the two places are almost the same: the starting price of a taxi in Hong Kong is 16.5 Hong Kong dollars per 3 kilometers, which is about 14.5 yuan per 3 kilometers in RMB; while Shenzhen is now 14.4 yuan per 3 kilometers. 3 km.In addition to taxis, the price of public transportation in Shenzhen is also high. Shenzhen: Sectional tolls and one-ticket system coexist. Sectional fees start at 2 yuan, one-ticket system varies from 2.5 yuan to 3 yuan, and the maximum one-way fee is 35 yuan. Beijing: The original price is 1 yuan, 40% off (40 cents) for the ride with the card, 20% off (20 cents) for the student card Shanghai: A single fare for an air-conditioned car is 2 yuan, and an ordinary car is 1.5 yuan; the cheapest fare is 1 yuan. Guangzhou: 2 yuan for an air-conditioned car, 1 yuan for a non-air-conditioned car, but if you drive to a distant area such as a development zone, the cost will rise to 5 or 6 yuan (3) "Meal ticket" (5 years): 32×30×12×5=57600 Breakfast: steamed bread + soybean milk = 2 yuan; lunch: lunch box = 10 yuan; dinner: fast food = 10 yuan; plus fruit + snacks other than three meals: 10 yuan, daily expenses 32 yuan. (4) Communication: 2000×5=10000 China has always been a "human society", and people in the "river and lake" always need to communicate and socialize.Communication here includes: classmate (colleague) gathering + love + wedding favors, because everyone has different standards, so it is calculated based on the basic market price of 2,000 yuan per year. (5) House purchase + decoration: 2.05 million In 2010, among the top 100 national housing prices released by SouFun.com, the average price of new houses in Shenzhen surpassed that of Shanghai and climbed to the first place, reaching 22,304 yuan per square meter. 10,000 for decoration, 50,000 for home appliances and daily necessities, and the total cost is about 2.05 million. (6) Wedding: 100,000 The screen name "Tough Fangcao" just got married in 2010, but what she called "ordinary marriage" costs are not ordinary, and the expenses do not include the cost of honeymoon travel. If you count the cost of 20,000 yuan for two people on honeymoon, then the cost of a wedding will reach 100,000 yuan. (7) Buy a car and maintain a car: 390,000 A netizen named "Use Lai Shi" has calculated that the monthly "car maintenance fee" in Shenzhen is about 2000/month. If you buy a medium-sized economical car for 150,000 yuan, and the scrapping time of a car is usually 10 years, then, The cost of buying a car and maintaining a car will reach 390,000. (8) "Next Generation" expenses: 600,000 In 2010, Shenzhen abolished the long-established borrowing fees. Even so, the money spent on raising a child in Shenzhen is also staggering.An economics professor at Shenzhen University said frankly that the cost of raising children in Shenzhen will not be lower than that in Shanghai. The living expenses of an ordinary household registration resident in 16 years are 319,400 yuan.If a family of three and children account for 40% to 50% of the general family's consumption, the total cost of raising children aged 0 to 16 in Shenzhen will range from RMB 383,200 to RMB 541,900.Moreover, this is not counting the child support costs of non-resident population in Shenzhen.