- First name : Palin*
- Age : 30 years
- Occupation : Social worker
- Net salary before withholding tax : €1,950
- Net salary after withholding tax : not taxable
- People (or animals) living under the same roof : his girlfriend, their 9-year-old son and 10 gerbils
- Place of life : Orleans (Loiret)
The income and situation of Palin, a permanent social worker
Palin is social worker with permanent contract in an association that works in favor of homeless people. With his girlfriend and his 9-year-old son he lives in Orléans, in a 54m2 two-room apartment.2 of which she is a tenant.
“I host my girlfriend with whom I have a so-called ‘open’ relationship. Our 9 year old son lives with us full time. He studied at home. »
For her 35-hour-a-week job as a social worker, Palin earns money a monthly salary of €1,950. Added to this is income Housing allowance of 520 euros, school allowance for disabled children and activity bonus. Or, to live with 3, €2,470 per monthbecause your partner isn’t working at the moment.
As for the salary she receives at the end of each month, Palin considers herself to be herself “well paid”in particular since it benefits from the Ségur bonus (€183 net monthly).
“In comparison, I earned 1,250 euros 5 years ago when I worked in the hospital for 37 hours and 50 minutes a week. »
Palin’s relationship with money and her financial organization
Palin admits that her mother is a “big spender” who always had big overdrafts. But her 30-year-old isn’t close to her, she believes this hasn’t affected her relationship with money.
On the other hand, it recognizes a “very free relationship with money”.
“I’m often overdrawn. Especially if unexpected purchases are added to the budget or forgotten checks are debited. I am inattentive and therefore often have surprises. »
As for the financial organization that the young woman has set up with her partner, it’s simple: both have separate bank accounts AND the charges are taken from Palin’s account.
“My girlfriend doesn’t have a job. She occasionally helps with shopping. »
Palin’s spending
Palin’s main expense item is housing: she pays for her apartment in Orléans every month Rent €680of which Charges of €30.
Repayment of credits follows: 150 euro loan taken out for an operationof which 2 years remain to be paid, and, until April, €100 for various consumer credits.
Current bills then affect Palin’s budget €210 : €110 for FES and GDF, €100 for an internet subscription, two phone plans and subscription to several funny videos.
The mother also rules €90 per month for mutual insurance and home insurance as well €10 bank charges. Public transport (train, bus) is at your expense. €100 per month.
“I spend a lot of money on my child’s education”
Eating three people for a month, Palin reckons costs her Around €400restaurants included.
“I only shop in supermarkets because I don’t have a car, so I have them delivered to my home. I also get baskets of organic vegetables and eggs every week and occasionally shop at local shops, markets and bakeries. »
Palin’s monitoring of her son’s home schooling also costs her money: on average €50 per month. Spends approx €100 per month for books, clothes (including sports equipment) and accessories.
«I also spend money on my son’s travel expenses when he goes to his grandparents (500 euros spread over the year), and on accommodation when I go there with him (300 euros). »
Palin does not want to be assimilated to the term “female expenses”, she prefers to talk about expenses related to maintaining the body, which she estimates at around €100 per month. This includes clothing, care and hair removal products. She has no period-related expenses because she uses washable pads purchased several years ago.
“I don’t need contraceptives because my girlfriend is a trans woman who had an orchiectomy and I don’t have sex with other people. »
Finally, for the 10 gerbils that live under the same roof as her family, Palin spends a considerable sum of money.
“The gerbils cost us a lot initially (nearly €1,000) because we invested in quality, tailor-made habitats in line with our desire to offer them the best possible living space. They are currently found in 4 different habitats and still cost us 150 euros a month for food, accessories and waste in large quantities. »
Palin’s hobbies
Palin’s hobbies are primarily those of his son, and they cost him a significant amount of money every month: Around €300 per month. This includes figure skating lessons (€300 per year, paid in 3 instalments), sea sailing courses (€300 per year paid in 2 instalments) and a minimum of two weeks of summer camp.
«It costs us from 500 to 700 euros per week net of CAF aid, which reaches up to 30 euros per day for a maximum of 15 days a year. »
Palin’s savings and future plans
At the end of the month, once all living expenses are paid, Palin stays around €200which he uses for his holiday plans, weekends of important purchases (PC, mattresses, various furniture, etc.) or family trips (museums, exhibitions, etc.).
The son of Palin and his partner has an A booklet, on which he has Savings of €1,500. “His grandparents also regularly give him money for Christmas and birthdays. »
In the future Palin would like to be able to grow professionally.
“I would like to get a management diploma to earn more and change scenery within 4 or 5 years, to get closer to Paris. »
Thanks to Palin* for checking his accounts for us!
* The name has been changed.
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Source: Madmoizelle
Mary Crossley is an author at “The Fashion Vibes”. She is a seasoned journalist who is dedicated to delivering the latest news to her readers. With a keen sense of what’s important, Mary covers a wide range of topics, from politics to lifestyle and everything in between.
