With a salary of only Rs 70,000/month, how can a family of 4 afford to live in Bengaluru?

月薪7万卢比，怎么在班加罗尔养活四口之家？

以下是Quora网友的评论：

Praful Desai

That's decent income to live in Bengaluru. Below are the monthly expenses for a family with normal lifestyle:

这个收入可以在班加罗尔体面生活了。正常消费的普通家庭每月的开支如下：

10000 - Kids Education

2500 - Public transport or Fuel

2500 - Utility Bills

12000 - Rent

10000 - Groceries and vegetables

5000 - Weekend masti

5000 - Family shop

That sums up to 47000, make it 50000. You are still left with 20k which you can use for investment and policies.

Medical expenses are unexpected and inevitable so I have not considered it. Put aside another 2k for that.

10000 -孩子的教育支出

2500 -公共交通或油费

2500 -水电费

12000 -房租

10000 -日用品和蔬菜

5000 -周末娱乐

5000 -家庭购物

一共47000，算50000吧。你还能剩下2万卢比，可以用来投资、购买保险。

医疗费用是无法预料也不可削减的，所以我没有考虑进去。再存2000医疗费吧。

=== READ THE BELOW PART IF YOU THINK IT IS IMPOSSIBLE TO FIND A RENTED HOUSE IN BENGALURU FOR 12K - 13K ====

===如果你认为在班加罗尔找不到月租12000- 13000卢比的房子，请阅读以下内容====

I'm surprised to see so many comments regarding rent in Bengaluru and I thought it will be better to explain with examples.

I lead a simple life and stay with parents.

In 2011 December I moved to a 2BHK house in Ramamurthy Nagar for Rs.8500 rent. There was increment of 10% every year (9350 - 2012, 10300 - 2013, 11300 - 2014, 12500 - 2015). There are very few apartments but a lot of individual houses.

看到这么多人评论班加罗尔的房租，我很吃惊，我想我最好举例解释一下。

我的生活很简单，和父母同住。

2011年12月，我搬到了Ramamurthy Nagar的一套房子，租金8500卢比，租金每年上涨10% (9350 - 2012年，10300 - 2013年，11300 - 2014年，12500 - 2015年)。公寓是不多，但独立住宅还是很多的。

Where is this Ramamurthy Nagar?

This is one of the rapidly growing areas in Bengaluru. It is 8kms from Manyata Tech Park, 10kms from ITPL, 10kms from Marathhalli, 7kms from Baghmane Tech Park.

Actually the issue with people (who think 12k rent is unrealistic) is, they want their rented place very near to their office (preferably adjacent to their office).

Ramamurthy Nagar在哪里?

这是班加罗尔一个发展极快的地区。距离Manyata科技园8公里，距离国际科技园10公里，距离Marathhalli 10公里，距离Baghmane科技园7公里。

事实上，人们(那些认为12k租金不可能租到房子的人)的问题在于，他们希望把房子租在办公室附近(最好紧挨着办公室)。

Marathhalli, Bellandur, ITPL/Whitefield, Electronic City are the IT hubs in Bengaluru (wait, are they part of Bengaluru? Yes of course but real Bengaluru is somewhere else). So it is obvious that rent is too high in these areas and these people never seem to have gone inside the Real Bengaluru.

I agree there are advantages like "No Travel" etc but point I am making is you can get a 2BHK house (not apartment flats, they are costly) for 12000 - 13000 in Bengaluru & I am the example.

If I am not earning much, I will stay about 10-12 kms far from office and save 5000 in rent and use 2500 for my travelling/fuel for bike. That's savings of Rs.2500 & it is huge for me.

Marathhalli、Bellandur、国际科技园/Whitefield、电子城是班加罗尔的IT中心(且慢，它们属于班加罗尔吗？是的，当然了，但真正的班加罗尔不在这里)。所以很显然，这些地区的租金很高，这些人似乎从未去过真正的班加罗尔。

我同意，住在办公室附近可以享受“免通勤”的优势，但我想说的是，在班加罗尔，你可以花12000 – 13000卢比租到一套房子(不是公寓，公寓很贵)，我就是个例子。

如果我收入不高，我会选择住在距离办公室10-12公里的地方，可以省下5000卢比的房租，再花2500卢比的车费，能省下2500卢比，对我来说可是一大笔钱了。

Apsara

It is a little challenging for a family of 4 to live in Bangalore with a salary of only Rs. 70,000 per month. However, with smart planning, discipline and the right actions, you can do it and even enjoy a decent living. Let’s start with the house, as a major part of the salary goes into paying the house rent, it is important to find a decent house with reasonable rent so that you can save more.

Make sure that the house you are planning to take on rent is near your workplace so that you save your time, energy as well as money in commuting. Instead of running after brokers, try to find a flat for rent in Bangalore on online portals that offer brokerage-free houses.

对于一个四口之家来说，靠7万卢比的月薪在班加罗尔生活有点艰难。但通过明智的计划和严格的执行，你还是可以生活的，甚至还能过上体面的生活。我们先说房子，因为工资的大头都要用来支付房租，所以找个租金合理的体面房子就至关重要了，这样可以多省不少钱。

要保证租的房子离工作地点近一点，这样可以节省上下班的时间、精力和金钱。与其追着房产中介看房，不如试着自己在班加罗尔的门户网站上找房，这些门户提供免中介的房子。

As far as other expenses are concerned, let’s look into these:

• Rent - INR 15,000

• Education for kids - INR 10,000

• Groceries - INR 12,000

• Commuting - INR 3,000

• Utility Bills - INR 2,500

• Weekend with family - INR 7,000

• Medical expenses - INR 3,000

至于其他费用，我们一起看看：

•租金- 15,000卢比

•子女教育- 10,000卢比

•食品杂货- 12000卢比

•通勤- 3,000卢比

•水电费- 2,500卢比

•与家人共度周末- 7000卢比

•医疗费- 3,000卢比

That leads to INR 52,500. You are still left with decent money to save or invest in your future. Whether you are going for furnished apartments for rent in Bangalore or unfurnished, go for brokerage-free online portals. Some of them also offer additional benefits like low or zero-deposit homes, free house tours, attractive referral programs and more. As we have seen above, if you can find a house for rent in Bangalore at a reasonable price, you can easily manage your monthly expenses with a salary of Rs. 70,000 per month.

总计52,500卢比。你还有不少钱可以储蓄或投资。无论你是想在班加罗尔租带家具的公寓还是不带家具的公寓，都可以选择免中介的门户网站。有些网站还提供额外福利，如低押金或零押金住房、免费看房、有吸引力的推荐计划等等。如果你能在班加罗尔以合理的价格租到房子，每月7万卢比的工资也足以应付生活开支了。

Ashish Sethi

I guess its a stupid question to ask.......may be there are people wid 7000 who make a living......its the choice of lifestyle.....may b ppl wid an income of 700000 find it difficult.....always adjust your needs to your salary instead of asking how can i survive...and if you are worth more than 70000 then go and find yourself a suitable job

我觉得这是一个很愚蠢的问题......也许有人月薪7000也能过活......这就是关于生活方式的选择.....也许有人收入70万卢比，还觉得钱不够花.....大家都要根据自己的薪水来调整需求，而不是问别人我怎么才能活下去……如果你自认为身价应该超过7万月薪，那就再找一份合适的工作呗。

Raghav Rao

Related

With a salary of Rs. 35000/month, how can one afford to live in Bengaluru?

Originally Answered: With salary of Rs. 35000/month, how can one afford to live in Bengaluru?

I guess this depends on what kind of lifestyle you adopt. As a bachelor one can survive with 15 k a decent living without much of compromise.

If you have a family with single income you can live comfortably with 25 k still left with saving.

For people with extraordinary lifestyle even a lakh per month is not enough

每月3.5万卢比的工资如何在班加罗尔生活？

我想这取决于你的生活方式。作为单身汉，15000卢比就可以轻松地过上体面的生活。

如果你要靠一份收入养活一家人，那25000卢比也可以过得很舒服，还能有存款。

但对于喜欢高档生活方式的人来说，每月10万卢比也不够花。

Sameer Aggarwal

The key to spending less is to cut back our expenses by a small amount in every area. It helps simplify life. We may fool others by showing that all our expenses are necessary, however at the end of the day it is hard to fool ourselves.

I want you to sit back and take a deep look at your values about money. Spending Rs. 500-750 monthly on a mobile bill seems feasible, however, we may think twice to buy a health insurance cover worth Rs. 5 Lac, which would cost us Rs 4,000 per annum or Rs. 350 per month.

少花钱的关键是削减各个方面的开支。这也有助于我们把生活简单化。我们欺骗别人说所有开支都是必不可少的，但最后我们连自己也骗不了。

我希望你们坐下来，认真审视一下自己对金钱的价值观。每月手机话费花上500-750卢比似乎没啥，但要购买价值50万卢比的健康保险（保费每年4000卢比或每月350卢比）我们却会再三思量。

We get so caught up in our lifestyle expenses that we fail to realize that we're spending a great deal of money on things that may not be any value.

Let us list down a few handy tips to Less & Save More!

我们深陷生活开销之中，压根没有意识到我们在某些可能毫无价值的东西上花了很多钱。

我们可以列出一些简单的建议来减少开支、增加储蓄！

Shop list – Yes it is necessary to make a list of the things or groceries you want to shop for. This helps you stick to the plan and ensure that you don’t buy what you don’t want

Be Brand wise – Always know your brands and all their inexpensive alternatives. However, you don’t have to compromise on the quality at all

购物清单——是的，把你想买的东西或杂货列成清单，这是很有必要的。这样你才能执行计划，不买自己并不想要的东西

理性选择品牌——一定要了解你喜欢的品牌，以及它们的平替。但你完全没必要在质量上做出妥协

Use discount coupons – On a Sunday, over a cup of coffee, do collect all the discount ads for that products you buy or may need in the future

Don’t use credit card/Debit Card frequently – Cash expenditure helps you keep a check on your expenses. If you use a card, you might end up overspending

用好折扣券——周日一边喝咖啡，一边搜集你购买的或将来可能需要购买的产品的折扣广告

尽量少用信用卡/借记卡——现金支出可以帮你审视自己的支出。如果使用信用卡，最终可能会默默超支

Shop less – Although it may sound harsh! You have to ensure that you don’t end up buying anything that catches your fancy

Maintain an expense sheet – It is highly recommended that you maintain an expense sheet. This gives you a clear picture. Also, there are many phone-based apps to track your expenses on a real time basis

减少购物——虽然这点建议让人不爽！你要确保自己不会购买不喜欢的东西

记账——强烈建议记账。你会对开销有个清醒的认知。现在有很多手机应用程序可以实时记录支出

Maintain your bike – Although it may sound funny, for those of us who own a bike, not maintain it properly could cost us a great deal. Hence ensure regular maintenance to avoid unnecessary repair spends in the future

Even if some of these tips are followed, you could keep them aside for the future. Cumulatively they would add up to a bigger amount at the end of the year, which you can use to maybe go on that family vacation which was not possible till now.

保养自行车——虽然这听起来有点搞笑，但对于我们这些拥有自行车的人来说，保养不当可能会让我们付出很大的代价。所以定期保养自行车，可以避免将来不必要的维修费用

日积月累，到年底你就会拥有更多的积蓄了，你可以用这些钱带家人去度假，以前这可是做不到的。

Shubham Deshpande

Bro earning 70k a month is like ur 2% richest persons in india. Bro here I am surviving with just 25,000 a month in Goa. Then you can definitely survive in any part of the world

兄弟，月收入7万卢比，已经是印度前2%的富裕阶层了。兄弟，我在果阿邦一个月工资才25000卢比呢。你绝对可以在世界上任何地方生存了。

Akash Toppo

Well it all depends on you..

How much comfort or lavishness you need?

Which area you are residing at?

Do you have any liabilities (loans) or not?

How would you spend your weekends?

Do you travel through public transport or by your own vehicle?

这完全取决于你自己了…

你想过得多舒适、多奢靡？

你住在哪里？

你有负债(贷款)吗？

你周末怎么过？

你是乘坐公共交通工具还是自己开车？

It does not matter how much you earn, what matters is how much you save out of that earning and then how you invest that earning is the biggest decision which will decide your quality of life 10, 20, 30 years from now. So save for sure but invest it very intelligently.

赚多少钱并不重要，重要的是你能存下多少，你如何投资。这才是决定你今后10年、20年、30年生活质量的最大因素。所以一定要存钱，但投资要理智。