1. First, buy a house in Nanjing. If you want to stay in Nanjing, you can sell your hometown property and then borrow money to buy a house in Nanjing. You are now paying 80,000 yuan for your home property, which is quite a burden. And you may not be able to live in your hometown in Nanjing, you may have to rent a house to live in Nanjing, and you may have to pay a lot of rent.
So, if you are sure to live in Nanjing, then sell the property in your hometown and buy a house with a loan in Nanjing to realize the idea of living and working in Nanjing.
2. Reduce expenses or try to reduce expenses. The annual income of 350,000 yuan belongs to the upper-middle income level, but it is not enough to support you to live a rich life. If you want to use everything well, eat well, dress well and have fun often, then the income of 350 thousand a year is obviously not enough, even if the annual income is several million.
It is normal to earn 350,000 yuan and save about 200,000 yuan a year, if you are careful. In this way, your family assets may exceed 10 million yuan in one or two decades, and you can live a relatively rich life. But if you eat all the money now, it may be difficult for you to make your assets exceed 10 million in a decade or two.
Therefore, the income for 35 years is above the average income level, but if you want to be among the wealthier families, it is a good choice to cut expenses now.
3. The annual wealth management income is 350,000 yuan, which is regarded as the upper-middle income level. However, if you want to live a better life, you must find ways to save money and try to adopt a prudent financial management method.
For example, it is safe to deposit a large deposit certificate in the bank, and you can earn about 4% a year. You can also buy blue chips with high dividends in the stock market and hold them for a long time, which may yield about 10% every year. These are all better ways to manage money.
Therefore, with an annual income of 350,000, if you want to live a better life in the future, you must not only find ways to save money, but also manage your finances reasonably.
4. Conclusion To sum up, the annual income is 350,000, which is regarded as the upper-middle income level. However, if you want to settle down in Nanjing in the future, you can sell the property in your hometown, then buy a house in Nanjing, and then try to save money and manage your finances reasonably, and you may be richer in the future.
Hello, landlord, our family's total income in Nanjing is about 350,000, which belongs to the bottom of life? This is definitely not the bottom of life, but the bottom of real life. Take your Nanjing area as an example, Nanjing area. The minimum wage is about 2050 yuan or even less than 2 100 yuan. Therefore, since such a minimum wage standard has been formulated, it shows that it has a certain basis, which means that some people may face such income.
Then we can obviously calculate that 2 100 yuan is our after-tax income when we arrive at the card, which can reach 2 100 yuan every month, so one year, 12 months is about 25,000 yuan. 25 thousand is a person's income. If there are three people in your family, of course, the children have no income, so is the sum of the two people only about 50 thousand? I think if this is the income, it should be the bottom of society, but the annual income of your family mentioned in the title even reaches 350 thousand yuan, which is definitely not the lowest.
350,000 yuan, an average of about 30,000 yuan per month. So 30,000 yuan is in a city. Although Nanjing is not a first-tier city, it is a second-tier city, or the consumption level of a new first-tier city may be a bit high, I think such a life is still very happy as long as you are diligent and frugal and plan your consumption expenditure reasonably. It can be said that this is a standard middle-class family, not to mention the bottom of society, and the income gap between you and the bottom of society is still very large, and I don't know in the middle.
Thanks for reading, please add my attention.
You are truly showing off your wealth. It's different from living in Nanjing with an annual income of no more than 35 thousand, no house, no car and children to raise. Didn't the Prime Minister say that there are 600 million people in China whose monthly income is less than 1000? Like us, there are more than 600 million people with a monthly income of 1 0,000 [covering their faces]. Life goes on, and I hope my monthly income can reach two thousand [yi tooth]
Looking at income alone, it should be above average in Nanjing. But if there is no house in Nanjing, the pressure of buying a house and repaying the mortgage will be even greater. My family's income can only be similar to yours if it is included in the provident fund. However, I bought the house in the suburbs of Nanjing before the house price rose sharply at the beginning of 20 16. The tuition fee for two children in public kindergartens is not much, but the interest class costs more than 30 thousand a year. The mortgage provident fund is guaranteed, and I feel that life is ok.
In Nanjing, the total income of our family is about 350,000. Does life belong to the bottom? Life belongs to the bottom, far from it, at least it is a level above middle and high school. Of course, the family income mentioned here is actually the total income of you and your wife. According to the couple, it is also an average of175,000 yuan per person per year. According to the calculation between three people, it is also an average of 1 100000 yuan. Living in Nanjing is enough.
Judging from the situation you described, your child is still in kindergarten and should belong to young people around the age of 30. Young people have made such achievements in Nanjing, and it is good to have such an income level. Of course, according to your income and expenses, if you can be careful and control unnecessary expenses, your life will be good in general. 350,000 yuan per year, including mortgage and children's expenses, 6.5438+0.2 million yuan, leaving about 230,000. At ordinary times, 654.38+00,000 yuan is enough for family expenses, and with the car, there is still hope for at least tens of thousands of yuan a year.
According to the statistical data of the average wage of employees released by the statistics department of Nanjing, the average annual wage of employees in urban non-private units in Nanjing is 20 1 18906 yuan, up12% year-on-year; In 20 19, the average annual salary of employees in urban non-private units in Nanjing was 124896 yuan, equivalent to 10408 yuan, up 12.4% year-on-year. Your young couple's income is tens of thousands higher than the average annual salary of Nanjing employees. This income level does not belong to people living at the bottom. According to the income level, you should also belong to the middle class, at least 90% of migrant workers.
Of course, as young people, their consumption habits may be a little ahead, coupled with the pressure of mortgage, but there are still about 90% groups whose economic income is lower than yours, and they still need to face the pressure of mortgage repayment, car loan and raising children. Everyone has been young and experienced such pressure. But pressure is often the source of motivation. Without motivation, people may develop their own inertia. Having such an income level is consistent with your efforts and pressure in Nanjing. If you feel stressed, you want to go back to your hometown. Is there no pressure to go back to your hometown? Home loans should be paid everywhere, and children should be raised when they return to their hometown. Spending on kindergartens may be reduced a little, but income may also be reduced.
Now that your family income has reached the level of 35 yuan every year, it is normal that you are still under pressure. And this kind of pressure will be everywhere, and it will not be alleviated when you go back to your hometown. Of course, when you go back to your hometown, you may have problems with your parents taking care of your children. You can get some comfort at your parents' home, or you can eat and drink at your parents' home, but these are not long-term solutions. The most important thing is whether you can find a satisfactory job after returning to your hometown and get a salary similar to that of Nanjing. If all these conditions can be met, then returning home is also a better choice. If these problems are not fully implemented, then blindly quitting your present job and giving up all the benefits you have now is called impulsiveness. Everyone says that impulse is the devil. When you go back to your hometown and regret it, it is pain. If you want to go to Nanjing again to look for opportunities, then the current income level is a coordinate, and the final result may be low or high, which is the beginning of real pressure.
To sum up, it is very good for your family to earn 350,000 yuan a year now. If you are under pressure, cherish the present opportunity. It is not the best way to escape from Nanjing. Of course, if there are better opportunities, higher positions and higher incomes in my hometown, it is certainly an inevitable choice to go back to my hometown.
I don't know where your hometown is and what kind of development you will have when you return to your hometown. Apart from these factors, I suggest that handsome guys can make long-term plans to stay in Nanjing.
The annual family income in Nanjing is 350,000, which is not much for foreigners who have no house and rely on themselves, but it is more than enough to maintain their basic life and it is not difficult to realize their dream of having a house and a car. We are also a foreign population who have settled in Nanjing. Our family's annual income is only 300 thousand, and our life is passable.
The plan for this theme is as follows:
The days with plans and dreams are the best! The pressure of life is your motivation. Wish you happiness and good luck!
I'm baifuyuqiao 12 15, thank you for meeting me in the article!
Is it meaningful to ask others if the shoes you are wearing fit? I don't know why I always get such a question push recently.
The annual salary is 350,000, which is roughly equal to the monthly income of 30,000.
Not to mention Nanjing, this income is placed in all cities in the country, and this income level is also within 1%.
If your income level ranks at the national level of 1%, but you still feel that you live at the bottom, then you should consider your consumption level, whether it is the life span of a young lady.
Your mortgage is 80 thousand a year, about 6,700 a month. For ordinary people, this repayment amount is not low.
Note that I'm talking about ordinary people.
The annual cost of 40 thousand children is still normal, so there is no need to discuss it again.
As for staying in Nanjing, that's your husband and wife's own business.
Nanjing is under great pressure. It seems that there is no pressure when you go back to your hometown.
Generally speaking, high income corresponds to high consumption, and low consumption naturally corresponds to low income.
Again, there is really no need to discuss this kind of thing.
Is it meaningful to ask others if the shoes you are wearing fit?
350 thousand is your annual income? Or the annual income of a family? If you are husband and wife, your income in Nanjing is still considerable.
For the division of "levels", my personal concept is to divide it into three layers (upper society, middle society and lower society) and then subdivide it. You belong to the "bottom class" If I were you, I would consider how to maximize the benefits instead of going back to my hometown.
In the new first-tier cities, the annual income of a family of three reaches 350,000, which should actually be a good level. There is no doubt that China 10% middle class, but it is estimated that 20% of the rich families in Nanjing can still do it! If this is still at the bottom, then 80% of families with lower incomes in Nanjing can't afford it!
In fact, Hurun made such an analysis report last year, that is, in first-tier cities, the household income is 300,000, and in second-tier cities or provincial capitals, it is 200,000, and the number of these families is 33.2 million. Together with high-income and rich people, the total number of families is about 40 million, which means that it has entered the ranks of China 10% middle-class families.
From 20 19, Nanjing's GDP 1.4 trillion, with a population of 8.5 million. In this way, the per capita GDP is 1.65 million, and the disposable income accounts for 40% of the residents' income. Therefore, the per capita disposable income in Nanjing is close to 66,000, and the family of three is 200,000, which means that the family income below 200,000 is lagging behind. If residents' income is analyzed according to 30% population and 70% population, then about 30% family income can reach 240 thousand yuan; 20% of families can reach 300,000 yuan.
Therefore, the family income of 350,000 yuan should be the threshold for Nanjing's higher income of 20%.
From a global perspective, the United States has included families with $40,000 and $6.5438+0.4 million into the middle class, that is, the range of $300,000 and $6.5438+0.00 million. If it weren't for Nanjing, or even the whole world, this family with an income of more than 40 thousand yuan would be considered middle class. What's more, it is still in the ranks of middle and high income countries. Family income of 350,000 can almost enter the domestic 10% middle-class goal without any suspense, and it can also enter the middle-class threshold of 20% in Nanjing, that is, the annual income is 240,000, which is expected to enter the higher income threshold of 30% in Nanjing.
Can't look at the absolute number, before tax and after tax? Is there a room in Nanjing? Where is your hometown?
If Nanjing has a house, the hometown is not a city like Suzhou and Yangzhou, or the house in the hometown is disposed of, which is not worth investing or holding.
If you don't have a house in Nanjing and want to stay, sell the house in your hometown and pay the down payment. Or you can earn some money and go home. Children spend more after primary school.