I state that are far from being an accountant, I do not deal with accounting nor financial, but ... I wanted to do a test ... I took the cue from those advertisements to entice them to buy a product they say that " cheaper than a coffee a day ... We're going to see a little 'costs of our daily life to parameterize, the newspaper ... And it's okay to "return": how much it costs this year, the daily spending ...
Mind you I did not put that much to do, is little more than "an account of the servant," is perfect, but seeing that we are already over 1,600 euro per month ... no charge for basic necessities ... maintenance-free home, condo fees etc.. etc.. not bad! of course, for home, I suggested a period of 20 years, as if the end was worth zero (which is not real), but I have not even put the real cost of a loan for the car I have suggested a period of 5 years and have all my twice as age, lack of fuel and vice versa all other consumption expenditures, but these are a function of mileage, etc.. too many variables here ... If you want to see the tables for the ACI costs per km of your car model and multiply by the average mileage you do in a year ... I do not!
I deliberately ignored many expenditure items, eg clothing, entertainment, culture, holidays and leisure, fitness and other, subject to too many variations to be generalized, everyone can calculate your own, but beware: you go to paranoia!
Start with some of the needs, then if you want to go ... you do!
Example: monthly rent. I assume a rent of € 800 per month, divided by a family of 4 people (there are? Is likely? ... It depends from place to place ...) divided by 30 days ago ... 6.67 € per day, or € 200 monthly per capita ... but if you are only paying a 800 euro on a salary ...
And so on, to see if you eg have a few Euros per day for the pay TV are many or few ...
So in the end I will continue to do without TV, and in return I will also try to drink less coffee, and "dining out"! For the latter I have provided € 9 per day (I assure you that without talking about haute cuisine, often spend a lot more ...) Have you seen what impact? They are more than 2,300 € a year ... We do a holiday! As the cost for the house of € 250,000 (although, by the way, we must remember that I did not put the mortgage real ...)! But dining out is now almost mandatory for those working in a big city or somewhere far away from home ... Besides that, it strikes me that we spend more on coffee for the subscription of the train, or bus ... I finally feel like a beggar depressed! ... I guess it was better not to make them these accounts! ... : (
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