How much does it cost to raise a baby in a first-tier city?

It's hard for young parents now. There is nothing you don't need to worry about, whether it's your own safety or the economic pressure brought by raising children.

"I work upstairs, but you abuse the baby downstairs." In the past two days, the child abuse incident in Ctrip Parent-child Park has continued to ferment, which has aroused strong concern and indignation from all walks of life. Parents of abused children are basically born after 80s who worked hard in Shanghai. They thought that putting their children in the parent-child park could reassure their families, but they didn't expect their children to suffer such abuse.

However, today I mainly talk about the problem of economic pressure-this problem is closer to young parents and more universal.

A few days ago, in Shanghai, many people's circle of friends was screened by a screenshot of the chat of the primary school parents' activity Committee.

As long as you click on this screenshot, shiny words like "prestigious school", "famous enterprise", "big housekeeper of foreign companies" and "central bank's foreign exchange administration" will fly all over the sky. If you think about it carefully, the family Committee is not only exposed to the academic qualifications of prestigious schools, the background of returnees, and the positions of senior executives, but also wants to show its social status and economic strength. Xinhua News Agency and People's Daily couldn't help posting comments one after another: the Family Committee has become a "fame and fortune show" and a "relationship show" for parents, which not only violates the original intention of its establishment, but also conveys inappropriate values to children.

A post-80s father living in Beijing admitted that since his children went to kindergarten, there has been a family committee. He felt that every election was to choose the CEO…… ........................................................................................................................................ It is difficult to raise children now because it costs too much money. "

Raising children = burning money may be the most tangible feeling of parents after 1980s and 1980s, especially for young people working and living in first-tier cities, the pressure is self-evident. How much does it cost to raise a child? Where's all the money burned? If you don't list it, you may not really feel it. ...

How much do you spend on children every month?

We contacted three post-80s families living in Beijing to see how other children spend their money.

Mr. Gao: The family's monthly income is 40,000, and the children are two and a half years old.

Mr. Gao has a daughter who is almost 3 years old. He said that from the wife's pregnancy and childbirth to the birth and growth of the child, the place to spend money is absolutely unambiguous. A few months after the baby was born, the family hired a new moon, an hourly worker and a prolactin. These employment fees will be 654.38+0.5 million per month; Children will be taken care of by their parents when they grow up. Besides, they will go to kindergarten next year. This pressure is relieved, but it is followed by a kindergarten sponsorship fee of 6,000 yuan per month, and then they will be enrolled in English classes, skating classes, Lego classes and other interest classes. These courses are conservatively estimated at 5000 yuan per month.

Looking at the gray day outside the window, Mr. Gao sighed. In order to give children a better living environment in winter, he decided to send his wife and daughter to Sanya for a short stay of several months, which will be a big expense. But in his view, under the current economic conditions, everything is worthwhile for the health of children.

Mr. Wei: The monthly income of the family is 22,000, and the child is 4 years old.

Mr. Wei's son is 4 years old this year. Because his wife was busy at work, he took his parents from his hometown early to help with the children, so the nanny fee was saved. However, several people crowded together, facing the problem of insufficient housing. With the down payment ratio of the second suite in Beijing increasing to 70%, he had to temporarily give up the idea of changing rooms.

When it comes to spending money on children, he feels very economical and rational. When I was a child, imported milk powder and diapers were consumed too quickly. Washing these things in the sea costs nearly 3000 yuan a month. In addition, if you are in poor health, you have to go to the hospital for a week, which costs more than 2000 yuan a month. After growing up, although the money is spent less, the money for children to go to kindergarten and interest classes is coming again. "We give our children the most common private kindergarten in Beijing. Bilingual kindergarten costs six or seven thousand yuan a month, which is too expensive. But we were afraid that our children would fall behind, so we signed up for English classes and art classes ... "

Mr. Zhang: The monthly family income is10.5 million, and the children are 7 months old.

Mr. Zhang's child is less than one year old. When asked about the cost of raising his children, he only answered me in four words: "I am poor because of my children." Although I have given myself a vaccination before giving birth, the actual pressure is still unprepared. He said that since the birth of a child, the credit card limit has made a "qualitative leap", but the savings card number is pitifully clean, basically nearly 20,000 per month, and it has been in a state of making ends meet for a long time. He said that the daily expenses can still be borne, and the most terrible thing is some extra expenses. For example, in order to let the child sleep in a big bed without affecting his spine, he changed a mattress, 15000 yuan.

In terms of raising children, Mr. Zhang's family is also very "willing", and they choose imported or well-known domestic brands as much as possible. He lamented that raising children is really a family way, and the focus of consumption is different. He is willing to buy three or four hundred pieces of clothes for his children, and it is not bad for his colleagues' children to wear thirty or forty pieces of clothes bought in the market. However, when asked how much spare money Shuang 1 1 had to buy things for himself, he gave me an embarrassed and polite smile.

No matter how much family income, the money for raising children is still burning. Because in raising children, there are always things you can't think of, and there is nothing you can't spend. After spending this crop, there will be another crop, and there is no time to relax. ...

Why are you willing to burn money?

Someone once joked that raising children would successfully destroy a millionaire. Last September, some media counted the cost of raising children in different cities. The results show that Beijing ranks first with 2.76 million childcare costs, Shanghai ranks second with 2.46 million, and the other two first-tier cities, Shenzhen and Guangzhou, rank third and fourth respectively. Whether in first-tier cities or second-and third-tier cities, raising children is indeed a common phenomenon.

When it comes to why raising children is so expensive, there is no need to say more about external factors such as prices. From the perspective of children attending kindergarten, if children attended public kindergartens 20 years ago, they would have to pay around 500 yuan at most one month. At present, the "sponsorship fee" of kindergartens is tens of thousands. "Private ones can't afford it, and public ones can't get in." A post-80 s parent said that this is the status quo. Not only has the cost for children to go to school increased, but even the "threshold" for admission has also increased. In this era of "the starting line is raised earlier and earlier", English class, art class, swimming class and dance class can't stop at all. "Afraid of children losing at the starting line" has also become the anxiety of parents today.

In August last year, HSBC published the report "The Value of Education: The Foundation of the Future". According to the survey, parents in Chinese mainland pay the highest attention to their children's education funds in the world. They believe that compared with financial needs such as mortgage, insurance and wealth management, children's education expenditure is the most rigid. The survey shows that the last thing mainland parents want to give up is their children's education expenditure. Nearly 60% of mainland parents interviewed said that children's education funds are the least likely to be cut.

In July this year, The Value of Education: Climbing the Heights and Looking Far, published by HSBC, also confirmed this point. Compared with European and American parents, Asian parents pay more attention to family education. 93% of parents in Chinese mainland have spent or are spending money on cram schools for their children; In Indonesia and China, the proportion is as high as 9 1% and 88%; In Britain, which ranks at the bottom, only 20% of parents pay for their children's tuition. The survey also pointed out that although parents in Chinese mainland have paid a lot for their children's education, there are still more than 70% parents in China who are worried that they have not done their best for their children, which is 13 percentage points higher than the global average.

The previous article "A monthly salary of 30,000 yuan, still can't afford to raise a child for a summer vacation" was circulated in the circle of friends. In the article, an administrative mother in Guangzhou earns more than 30 thousand yuan a month, but she can't afford her daughter's summer vacation. Counting extra-curricular classes such as study tour, piano lessons and swimming lessons in the United States, she spent 35,000 yuan before and after. In this regard, many parents feel the same way. "Although some meat hurts, I don't spend this money. I am afraid of losing at the starting line." Although this example is extreme, it further proves that parents in China are willing to invest in their children's education.

Besides being willing to spend money on education, the pursuit of quality and science has also become a common feature of young parents born after 1980s. Different from the previous generation, an 88-year-old new mother said that almost all the parenting experiences around us now come from the internet, and what brands are safer and more suitable for children also come from various online posts or people around us "planting grass". "The experience of elders is a thing of the past," she said.

Undeniably, the channels for this generation of young parents to acquire parenting knowledge have changed-mother-and-baby forum, mother-and-baby community, mother exchange group and so on. Because of the accumulation of scientific parenting knowledge, they are more critical and cautious about the products used by their babies. Compared with domestic brands, many parents of post-80s and post-90s expressed their preference for imported brands, especially things that need to be imported or used by individuals.

Taobao's consumption data also proves this point. Australia loves him, Netherlands' Nuoyouneng, Meisujiaer, Japan's Kao, Youjani, Beiqin, America's Grand, Britain's avent ... all three have used or inquired about these brands. According to the first financial statistics, these brands are stronger than domestic brands in sales volume and sales growth of 20 13-20 16. Among the three categories of baby food, shoes and clothing, and daily necessities, the top brands of 20 16 Taobao are Nuoyouneng in the Netherlands, Next in the UK and Beiqin in Japan.

What is your "burning money coefficient"?

We all know that Engel's coefficient is an index to judge a family's consumption structure and living standard. Among them, Engel's coefficient is above 59% for poverty, 50-59% for food and clothing, 40-50% for well-off, 30-40% for wealth, and below 30% for the richest.

The problem of food and clothing is not the main contradiction in life now, but raising children may be. If we simply use the child-rearing expenditure instead of food expenditure as an analogy, how can we calculate a "burning coefficient"? According to the data of the above three families, this result is obtained:

Find out which gear you are in.