The life of a Russian emigrant in France.
I think that many will be interested (I apologize in advance if the accordion did not find it)
In my blog, I often write that about 60-70% of French people live modestly, and barely make ends meet. Many people, for some reason, do not believe me, and believe that I am clearly trying to make up for it. For some strange reason. In this connection, I am ready to “spread out” & quot; its financial component, in order to show all the figures on its personal example. So that you could imagine firsthand the life of a simple laborer in the West, namely, in France …
So, below – the list of payments that are automatically automatically withdrawn monthly from my account:
1. Monthly service of a bank card – 8.85 euros.
2. Insurance FILIA-MAIF – 49.11 euros.
3. Additional medical insurance – 13.21 euros.
4. The rent for the apartment (HLM, 78 sq.m.), including central heating – 465.73 euros.
5. Payment for underground parking – 30.92 euros.
6. Taxes from the salary – 219.00 euros.
7. Housing tax – 105,00 euros.
8. The loan for the car – 98.28 euros.
9. Mobile communication – 17.50 euros.
10. Internet, home phone and digital TV channels in one package – 36.90 euros.
11. The gas is 5.99 euros.
12. Electricity – 32.25 euros.
It is not difficult to calculate that almost 1100 euros are being charged monthly from me. Plus, I send 100 euros to my son to Russia every month.
Further. My wife and I recently divorced, and the last four months I live alone. So, in the morning for breakfast, I spend about 4 euros – croissants, rolls, etc. At lunchtime I spend about 7 euros more. In the evening, I do not spend anything – I have supper with what’s in the fridge. So, during the working day I spend about 11 euros. These 11 euros are multiplied by 21 working days, and we get an amount of 231 euros.
Further. Every Saturday I shop at the supermarket, stocking up food (and not only) for the whole week. On average every Saturday in supermarkets I leave for 45 euros. These 45 euros are multiplied by 4 weeks, and it turns out that a month in supermarkets I leave about 180 euros.
So, we recount again:
Monthly mandatory payments – 1100 euros.
Help your son – 100 euros.
Working breakfasts and lunches – 231 euros.
Current purchases in supermarkets – 180 euros.
Refueling the car – 70 euros.
Total – about 1670 euros per month. And this – not shikuya, but in a modest way, considering every centime.
And now let’s look at my paychecks. The photo is below.
In the photo above – my salary for the last three months. The amounts are highlighted in red. August – 1985,90 euros. September – 1841.66 euros. October – 1617.75 euros. Why did I get so little in October? But because I sat at home half of October.
The matter is that for last months at me monstrous processing – about 600 hours has accumulated. And for the hours worked, according to the law, we are entitled to either a financial surcharge or a day off. However, time off – not paid. That is, you sit at home at your own expense. But this time my superiors partially reimbursed my processing with money, and in part – with time off. That is why in October I received only 1617 euros. But I could get less.
The salary in 1985,90 euros is too a rarity for me. Such a salary I usually get when I travel for almost a month on business trips. And this happens not often.
So, my expenses for October were about 1670 �, and my October salary is 1617 �. That is, already initially in my modest budget there was & quot; minus & quot; in 53 euros. However, in October, I was additionally removed another 105 euros – I received from the state a corresponding declaration with the recalculation of my housing tax (taxe d & # 39; habitation). Photo declaration – below. The amount of tax is 105 euros (underlined in red). And in November I will be additionally charged 21 euros.
In the screenshot below – the current financial status of my bank account to date (Saturday, November 3rd). The balance on the account is 35 euros and 85 centimes. However, already on Monday morning – November 5 – my account will be in the “minus”, because on Monday I will be removed from the first November payments of 62 euros and 32 centimes. What exactly will these payments be? And this you can see on the next screenshot, even lower.
The screenshot below shows that on Monday my account will automatically withdraw 13.21 euros for additional insurance, and 49.11 euros for FILIA-MAIF insurance. That is, on Monday morning I will finally leave in & quot; minus & quot ;.
In principle, it is not yet deadly. According to the contract with my bank, I have the right to go to the & quot; minus & quot; up to the amount of 200 euros. However, the bank takes interest for it. That is, in fact, it turns out a short-term loan. And short-term loans are known to be the most expensive.
Moreover, I only need to exceed the & quot; negative & quot; a limit of 200 euros for at least one centime, and the bank will block my bank card. Block before receipt of money on my checking account. And to enter into my account they can only from one single source – in the form of my salary.
And when will my salary come? And my salary will not come until November 10. That is, the whole week – from 3 to 10 November – I will live “in the red.” And according to my estimates, at the time of receipt of wages, my “minus” will amount to no less than 170 euros. Consequently, my long-awaited salary will immediately decrease by 170 euros, which will take the bank. Plus – bank interest.
By the way, on the evening of Friday, when I was returning from work, a red light appeared on my display, signaling that the tank of my car was almost empty. Of course, on Monday I will not fill up the full tank of my car, and I’ll pour ten liters there, no more. Otherwise, I will easily pass for the & quot; negative & quot; the limit of 200 euros. And fill the tank “under the string” I can only after receiving a salary. And further . My job is 25 kilometers from home – you can not walk on foot, and buses do not go there. Without a car – no way. In France, this is easy: if there is no car, then there is no work.
So, working on 12-13-14-15 hours a day, I barely barely make ends meet. But in France tens of millions of people live either like me or worse than me! And meanwhile, recently in the Russian blogosphere is very actively obsessed with the obsession “get out of dysfunctional Russia”; on the “well-fed and fantastically rich West” . Oh well . God help you, a flag in your hands, a drum around your neck, and a breeze in your sails.
Monsieur, not the mangers of the system of journals! Ah! SOS! Give the poor driver a livelihood!
you can read all the numerous articles (almost 600 articles) of this person about his life in France.
I’m taking food with me and warming up my work, in Russia, a large part of the working people do this!
A distance of 25 km can be overcome by a scooter, or a bicycle.
yes 78 m2 is quite normal apartment, what more do you want? in case only home.
What else should he refuse?
His life is so much like a nightmare. but not life. (this man, as he writes, plows for 12-15 hours a day, in fact, for grubbing)
His life is so much like a nightmare. but not life. (this man, as he writes, plows for 12-15 hours a day, in fact, for grubbing)
a man plows on his superfluous requests. he has a ZP on his arm 60k. rubles, but not much, by the standards of the EU in general little, but he at the same time took a hut 78 meters for one, add. insurance made, digital TV connected with a home phone, underground parking took, tachilu took on credit.
2 PARIS – MODERATE CHURKOBESIA. The law is there for ALL. The climate is good. Plus Europe for the weekend.
3 You waved. All of Russia can not move into the crooked Islamist Moskvabad – when will you understand that.
and so vnature Stalitsa, true.
Alyoshka he is like that.
look at his themes, it will be clear at once.
and so vnature Stalitsa, true.
Aha + a car on credit for 4000 rubles a month has also an underground garage for 1200 rubles a month.
a man plows on his superfluous requests. he has a ZP on his arm 60k. rubles, but not much, by the standards of the EU in general little, but he at the same time took a hut 78 meters for one, add. insurance made, digital TV connected with a home phone, underground parking took, tachilu took on credit.
Digital TV with a phone you think is unnecessary for him. ?
So he is lonely. what else should he do, how to watch TV before going to bed after a 15-hour day.
Underground parking for 30 euros a month is superfluous (as you think.).
And where else would he put the car in Europe. (on the lawn in the yard, as we do in Moscow.)
Medical insurance does not seem superfluous when a person gets into a serious traffic accident (and for a driver such a risk is EXTREMELY high.)
pogodi and suddenly yoke baby will be the first foreign pilot in aeroflot?
Shozh you immediately in the tops determined.
about what I say, the topic.
I do not even know how to cry for him, worry for myself and my own, or kill him with his head against the wall that the wrong country was called Honduras.
Aha + a car on credit for 4000 rubles a month has also an underground garage for 1200 rubles a month.
Federation on the verge of collapse is bursting at the seams. A number of regions are actually lost by the Slavs – there are no Russians here.
The Slavic world is dismembered – Russia Ukraine Belarus.
first the way of the TC will expose the thread, or the brain will correct it.
Well, just do not need about the size of apartments in France, if he is in Paris, he has a rather large apartment.
���������� �� why? There is an Internet, let it be and use it or watch the ether. Phone one is needed either stationary or cellular, stationary is forest. Even in Paris it was easy to park for free parking. The insurance is additional and by our standards it is superfluous.
Here how to count or he lives not bad – he spends on himself decently or his expenses are too high. if he wants to save.
Aha + a car on credit for 4000 rubles a month has also an underground garage for 1200 rubles a month.
The Slavic world is dismembered – Russia Ukraine Belarus.
we must first understand the moment of his life for he lives there? exists? survives?
judging by his requests, he complains of survival, while his life goes with surplus.