How do families manage their finances? A simple formula tells you the answer!

Mondo Social Updated on 2024-03-06

The true meaning of family is often not the amount of savings we have, but how we define and value that relationship. On the platform, we often see discussions about "how about a family", but in fact, the "definition of family" is very different. Take the Shanghai Dink couple as an example, they have a deposit of 3 million and choose to lie flat. For them, the family is limited to husband and wife, without the pressure of parents and the ties of children. This 3 million is enough for them to live a comfortable life in the bustling city of Shanghai. They have their own home, they don't have to worry about rent or mortgage, and their daily expenses can be kept relatively low.

In stark contrast, some families are able to find balance and fulfillment in their lives despite not having much savings. I know a 37-year-old girl from Shanghai, unmarried, who has a suite in Shanghai and whose parents came from Hebei to live with her. The living expenses of their family of three are only about 3,000 yuan per month. The girl brings the meals cooked by her parents to the company every day, and her life is healthy and nourishing. This is the "compressed" cost of not having children, making life much simpler and better. However, for those families with both old and young, life can be more stressful. Parents need to be taken care of, children need to be raised, and every expense needs to be carefully calculated. In such a family, the "actual number" may be much more than three people, but include all family members who need care and attention.

Therefore, we cannot simply measure the happiness of a family by the number of savings. True happiness lies in how we plan and manage our lives according to our family circumstances. I suggest that you try to sort out your family situation and understand your family's financial situation by calculating "Household Savings Annual Household Expenditure = Household No Income Sustainability Index". The higher this index, the healthier our family's finances are, and the more free and relaxed our lives will be. In closing, I would like to say that we should not care too much about the ranking of the family's savings, but pay more attention to how we manage and cherish our family relationships. Because in this world, what really belongs to us is not those illusory rankings and numbers, but those family members and loved ones who accompany us. Let's fill our homes with love and care to make our lives better and more fulfilling.

Related Pages