Hello, my name is Miguel , i am from Portugal.
I have been working as an IT professional for the last 7 years and currently happy with what i do.
I earn 800 euros/month after taxes.
I am married , my wife works as a receptionist , she is working in the same place for the last 3 years. She earns 700 euros/month after taxes.
We recently had two little girls ( twins ) :)
I made the decision to buy a new apartment , we were in a one bedroom house and now with the little girls we need more space, so we changed to a 3 bedroom apartment.
The cost of it was 180.000 euros (20.000 below the average for the size where we live)
We have two cars to go to work, one Opel and one Fiat, when the kids were born i made also the decision to take all my savings from when i was single and pay what me and my wife had left on the cars debt (8250 euros)
I made this decision because i hate debt , i rather have little to no money at all then having debt.
The new 3 bedroom apartment costs us monthly:
370 euros – bank debt
30 euros – insurance
70 euros – condominium
—————–=470 euros total
The costs on it with water , energy and television monthly:
45 euros – Energy
50 euros – Water
45 euros – Internet / Cable / Phone
———————–=140 euros total
The costs with the girls in school (nursery):
150 euros each = 300 euros total
The costs with transportation home-nursery-work-nursery-home:
120 euros in total ( aprox 60 euros each car )
This leads to a monthly fixed expense of : 880 euros
Wage1 + Wage2 = 1500
Fixed Expenses = 880
Left for :
-Food(2 adults , 2 children)
-Girls expenses(dodots; cleaning towels ; clothing ; Pediatritian ; Vacines)
-Any kind of emergency
This leads to we can spend at max 20 euros each day, if nothing out of ordinary happens, we usually finish the month with between 20 to 40 euros left.
Now this im not going to complain, of course its a bit hard to know that i am on the line, and hope nothing happens that makes us have to spend any kind of extra with anything, but its life and i can deal with it.
What i am asking is , if anyone would like to help us have some kind of weekend out, or a vacation. Or buy some Christmas presents. We would gladly appreciate the help. Or even to have one month where we can have some meals at a restaurant or go see a movie.
Not asking for a lot of money, any little help is already amazing.
Thank you for your time.