走鋼索般的生活 - 老師
By Barb Cronin
at 2016-11-28T15:13
at 2016-11-28T15:13
Table of Contents
各位好
先自我介紹,在下教育大學畢,目前居於淡水。
職業是資歷6年的全職家教老師,周薪10500
因為寒暑假Case比較沒那麼密集,所以年薪折算大概47萬
因為幾年前一些家務雜事與不甚理性的決定,而導致現在進入很尷尬的狀況。
狀況是這樣的:
目前家裡每月經濟來源有五:
A.父親,大陸台幹,1萬RMB(這是他匯回台灣的量)約4萬6
B.我自己,折算約4萬,扣除自己需求 給家裡3萬
我個人花費:
手機: 600/月
學貸: 2800/月
勞健保: 1900/月
其他保險: 1200/月
交通費: 2000/月
外食與娛樂預算: 1500/月 小計:約10000/月
C.妹妹,約2萬5,扣掉學貸與她個人需求,約給家裡1萬
D.外公退休俸,3萬
E.同住的女友,每月補助我5K
總計起來一個月約有 12.6萬投入家裡
兩年前從外地回老家工作,才開始注意我們家的花費。
表面上看起來生活水準在台灣的前段班,但是實際上是如履薄冰。
首先,我們家目前是六口同住。
家裡開銷:
房貸: 59000/月 (不理性的決定之一,太貴的房子) (五層透天含車位)
管理: 3000/月
網路: 1000/月
水電瓦斯合計: 約13000/期 (一期兩月)
菜錢水果錢: 約35000/月
家電保養: 約12000/年 (含水塔、冷氣清潔、飲水濾心更換等)
其他保險: 約12000/年 (含所有人的壽險、癌險等,這個數字我還要再向家母確認)
以上小計每月約11.3萬
12.6 - 11.3 = 0.7 ,
剩餘的7千要包全家六口人的衣物、日用品、五金零件等消耗品...
因為父親曾失業,他的收入斷過一段時間
所以我們家靠賣掉唯一的一台四輪,保留兩台機車
(不理性的決定之二:買中高階休旅車導致保養太昂貴)
撐了一會,直到我們數字見底才重新收到老爸工作的薪水匯款
換句話說,我們家目前沒有任何緊急預備金,更遑論投資的餘裕。
短期內不知有沒有方案可以應對。
家母一人負責6-7成左右的家事,剩下是我負責。
兩人都沒有多餘的時間或體力可以兼職。
外公外婆高齡身障,亦無法分擔家務。
如果發生什麼意外...
舅舅與阿姨皆已不相往來,所以無從獲得資助
姑姑奶奶那邊已經借過爸爸不少錢,而且至今還沒償還。難以再開口要求
我想替現狀打破一個缺口,再小的缺口都好。
但是整個人就像受制在重重束縛裡面。
如果我去找白天全職,
出社會後到現在32歲仍僅有補教經驗的我可能很難找到30K以上的工作
這樣不如我維持現狀純粹每晚排家教學生即可。
況且母親也年近60,擔心她一人扛下全部家務導致過勞。漏洞又會被挖大
所以我還是選擇白日在家備課、輔助家務等。
逢平日晚上與假日整天走家教行程這樣。
我的所見所聞有限,願板上有人能指點任何適合的方式去開源節流
我的理想是走教育界,但不是走正規的正式教師路線。
所以轉換跑道的建議,我可能要再多考慮。
我正在努力靠家教慢慢達到周薪15K以上的境界,
但估計還要兩三年慢慢培養口碑與經驗。
長線看來我們的生活是可以越過越好的,
但是這兩年來,
每月底去匯款到自己短線內無法承受任何意外狀況的家,實在是很煎熬。
我自己無法存任何錢的痛苦也沒有餘裕去正視了,
畢竟這個家也不是只有我這樣,是大家一起苦。
希望能接收點正面能量,即便是逆耳忠言、當頭棒喝也好!
--
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