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Here are our combined expenses
7k groceries
4k CNG/commute and Car Insurance
2.5k health insurance
2k electricity + call/data charges
1k gas
10k House Help (2 meals a day + sweeping & moping the floor)
7k House Maintenance
40k - 50k - Investments (25k SIP, Sovereign Gold bonds, Gold Coins, Silver, Shares - depending upon market conditions)
20k (savings for Vacations and weekend getaways)
2k miscellaneous expenses
10k Emergency fund
15k for parents
5k for religious activities
Here is a snapshot of our expenses
10k groceries
12k maid for meals and dusting
3k electricity (Our apartment is well ventilated and has balconies on all sides hence the consumption of electricity for fans and light is minimal)
6k CNG and maintenance
15k health insurance
10k for shopping
10k for meeting exigencies
3k for weekends and dining
20k for annual vacation and short trips
We are debt free. We live a simplistic life with comfort.
My savings are roughly 70k a month to 120k depending on how much profit the business has generated. We are planning to start a family and know that the expenses will shoot through the roof.
My wife is also currently saving up about 30k/35k a month to fund her working capital requirements when she starts her own firm either a sole proprietor or partners up with someone
- rent 15,000 [2BHK shared by 4]
- electricity 4,000
- maid 3,000 [breakfast and dinner]
- grocery and wi-fi 3,000
- personal phone bill and stationary 1,000
- emi 10,000
- lunch dabba - 4,000
- personal enjoyment, club, drinks 5,000
25,000 (savings)