Key facts
- A Mumbai couple earning a combined ₹2.2 lakh per month is struggling to save.
- Their monthly expenses include ₹44,000 for rent, ₹12,000-₹13,000 for outings, and ₹20,000 for groceries.
- The couple also allocates ₹60,000 for SIP investments and ₹5,000 for medications.
- They expressed anxiety about surviving and saving money, questioning future sustainability.
- A Reddit user commented that the couple lacks control over their spending.
A Mumbai couple's detailed breakdown of their monthly expenses, shared on Reddit, has gone viral, highlighting the challenges of saving money even with a substantial income of ₹2.2 lakh per month. The couple described their financial situation, stating they often find themselves with no savings by the end of the month despite their earnings.
Their expenses include ₹44,000 for rent, ₹5,000-₹6,000 for travel, and a similar amount for electricity. Household needs like groceries and gas amount to approximately ₹20,000, with an additional ₹8,000 for domestic help. They also invest ₹60,000 monthly in SIPs and spend ₹5,000 on medications. Social and office-related outings cost them ₹12,000-₹13,000 monthly, and they noted a significant expense of ₹45,000 for a single trip to their hometown.
The couple expressed anxiety about their financial sustainability, questioning how others manage and what their future holds, particularly with potential responsibilities like children. One commenter on Reddit suggested they lack control over their spending, stating that even with a higher income, they might not be content.
The post has ignited discussions about the high cost of living in Mumbai and the difficulties individuals face in saving money despite earning decent incomes.