How much do you earn per month? How are you spending this money? Who pays what in your relationship? Here are some of the questions we cover in our settlement section!
Talking about money is still taboo in France. However, it is a fascinating subject and in a way…feminist! In our section Pay bills, people of all kinds come to review their budget, tell us about their financial organization (as a couple or solo) and their relationship with money. Today Julia agreed to open her accounts for us.
- First name : Julia
- age : 28 years old
- Work : notary
- Monthly household salaries: 4 400 euros
- Composition of the family: Julia, her companion and their two sons
- Place of residence: an apartment in the Paris suburbs
The income of Julia and her companion
Julia is employed as a notary public for a salary of 2,200 euros net. She considers herself fairly well paid:
« I won’t complain, we have a roof, we eat our fill but we still have to be careful. 500 euros more on our income I would not say no! »
His companion wins 1 200 euros for a job in gastronomy, but he is currently undergoing professional retraining.
Julia and her companion are in PACS. They live in a Paris suburb, in an apartment they bought together. Her sons are 5 years and 7 months old.
The couple’s relationship with money
It is Julia who takes care of managing the accounts and takes care of the expenses:
“I tend to calculate everything. My companion asks a lot fewer questions. »
Money is not a point of contention between the two, even if Julia’s companion sometimes criticizes her for being careful:
“We don’t argue, but he sometimes criticizes me for always trying to count everything on everything. »
But for Julia it remains a certainty, because it sometimes happens to her to be in the red.
“I happen to be covered. »
The couple has a financial organization that they have developed over the years: everything is well defined.
The financial organization: It is square
Their salaries are transferred to their personal account and they pay the fixed expenses into the joint account.
“We have a joint bank account and everyone has their own personal account. We deposit enough into the joint account to pay the expenses. Everyone pays some kind of expense. »
The distribution went smoothly:
“Everyone takes care of the expenses, that’s done by feeling and in relation to income.
At the beginning of the month I deposit the loan, the loan insurance, the apartment and the car, the cost of looking after the nanny, and the clothes I buy into the account. »
To his companion:
“It covers condo fees, running bills, grocery shopping, canteen expenses, after-school benefits and subscriptions. »
Personal accounts are used more for fun.
housing, food and child care
The family lives in an apartment they just bought in the Paris region. You pay out every month 751 euros for the loan and loan insurance. Julia is responsible for paying this sum. They rent one of the two parking lots they own 30 euro per month.
The family spends on average 400 euros in grocery shopping per month. Julia makes big purchases in the supermarket:
“I’m more concerned with that because otherwise he might come back with cookies.
I’m the one making them, but he’s the one financially supporting this edition. He withdraws money or gives me his card. »
Julia is quite careful about what she buys:
“I’m leaving with a list. It avoids unplanned purchases that quickly add to the bill. »
Meals are therefore anticipated and shopping is done accordingly.
The couple has to pay for children 160 euros for the canteen and extracurricular costs.
For the baby, the couple spends 700 euro for the childminder. It’s an expensive solution, but it suits them.
You spend 350 Euro a considerable sum per month for current accounts. This includes condominium fees, water and heating. You spend 35 euros per month of electricity.
The couple pays 74 euros for auto and property insurance. The monthly property tax is 117 euros.
With subscriptions, the internet box costs 30 euro.
Leisure and “entertainment” spending.
They spend an average amount on free time for the family 70 euros per month. This includes going out to eat.
“We try to do one or two restaurants a month. Is random. »
Sometimes they also do weekend activities together.
“I’ll take the biggest one to the library – it’s free. We go to the zoo and the swimming pool from time to time. It depends on the months. »
Every year they go on vacation for a week during the summer holidays. For the week of vacation they take, they spend about 1000 Euro on average for accommodation and travel.
“During the holidays we try to go away for a week once a year for the summer holidays now that we have children.
Our previous holidays were in France because it is also related to the economic situation, but there is no rule. We’re more into renting, hiking, discovering new places. »
But we don’t drive that much on weekends. »
Julia’s and her companion’s families live close by so they can see her without having to travel far.
They spend money to buy clothes 70 euros about a month, for her and her two children.
“I go there about every two months as the kids are getting older. I go to specialty stores for children. »
Julia and her companion don’t give up too much when it comes to “enjoyment expenses”, even if it can happen, especially on birthdays.
“My last crush was a watch for my partner’s birthday. »
savings and projects
Her real estate project was completed with the recent purchase of her apartment. So now they want to save for their kids:
“Since we have just bought an apartment, the priority now is to build up capital for our sons. »
Savings are distributed between passbooks and a PEL as follows:
” We ask 100 euros for every book of my yarns. We also generally put in between 400 and 500 euros between another issue Has an ELP.
The idea would be to be able to pay for the course later. The cost of living is likely to rise. We thought this would allow us to open one account and close another. We never know…”
So they think about the future by putting aside.
Thank you Julia for agreeing to answer our questions!
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