Anne, 2,415 euros per month: “I have my own work-study program, I give lessons and I babysit”

• First name : Anna

• Age : 24 years

• Professions: second year DCG student in a study-work path in an audiovisual group, babysitter and teacher of mathematics and accounting

• Net salary : 1,260 euros net per month for the study-work programme, plus 2,200 euros per year as an end-of-year bonus, 300 euros per month for babysitting and 350 euros per month for mathematics and accounting lessons
• Lives with : his mother, his brother and his cat Olive
• Place of life: the apartment his mother rents in Paris

Anne’s income

Anne is 24 years old and a second year law, accounting and management student. She is alternately and works three days a week in an audiovisual group.

For this position, it is paid €1,260 net with approximately 2,200 euros of annual premium in installments. Honed over the year, this represents Salary of €1,436 per month for his main job, as well as €198 food stamps.

She considers herself well paid.

In addition to this position, she regularly babysits, which makes her an average income €300 every month, and teaches mathematics and accounting €350 monthly.

“I have classes on Mondays and Tuesdays, the rest of the week I’m at work. I babysit around six hours a week in the evening, so generally, I review slowly while they sleep. On the weekends or sometimes on Friday nights, I give two hours of math class and two hours of accounting class. I go way beyond that 45 hours of work per week. It’s tiring, but that’s life, and then I still get to do other things on the side. »

She also perceives Activity bonus of €130. In all, it therefore manages a budget of €2,415 per month.

Anna’s expenses

The student lives with her mother in a 75 m² apartment in the north of Paris. It is hosted for freeand therefore has no burden related to rent or current bills.

With no costs related to accommodation, his main expenditure item is in his free time: he spends approx €600 per monthespecially for eating out.

” Mine the food budget should be around €500. I count in this sum the shopping at the Carrefour Market closest to my home, but also meals away from home. I often eat at restaurants or have meals delivered.

I take advantage of it, because I don’t have rent to pay, but I want to reduce it and would like, in the coming months, to divide it by two or three. »

His entertainment expenses also include an annual cinema pass, which cost him €150 thanks to your company’s CSE. Also, on average 75 € of groceries per month for clothes.

She spends €42 per month for subscriptions: €19.99 for his phone, €13.49 for Netflix, which he shares with his cousins, and Disney+ for €8.99.

“I stopped going out to bars during term time. It represented a real budget, and not doing it anymore allowed me to save a little more. »

Each month, its fixed costs also include €3.80 Bank charges, €16 insurance and €23 supercomplementary mutual. His public transport pass costs him €38.

“I pay €66 a month for laser hair removal”

Anne estimates approx €215 every month her budget for so-called female expenses: those related to the aesthetic pressure that weighs on people perceived as women (make-up, hair removal or beauty products, for example), contraception or even menstruation.

“My makeup budget is low, around €100 per year. In terms of care-type beauty products, I’d say I’d rather spend €250 per year.

I am currently doing laser hair removal of my underarms and bikini area – an investment in my opinion – that I am paying for €66 per month until March. Then I’ll move on to the legs so this budget doesn’t go down.

I resort to orthodontics which costs me €900 per semester, of which €400 repaid by my super mortgage.

My hygiene protections cost me around €15 a month, which I can get reimbursed by the health insurance company. »

“I know I could save more”

Anne explains that she feels somewhere between spendthrift and thrifty:

“I know I could save more. At the same time, I’m never exposed and I’m careful. My mother had to take care of two children by herself, so while she didn’t talk to me often about money, I think it must have been difficult financially. I think it affected my relationship with money. »

Every month, she places €900 savings on several savings and passbook accounts.

“Every month, I put €600 on my savings book A for a future contribution, for the purchase of an apartment.

I put €100 on a Fortunéo account for holidays, e €200 on my Boursorama account for contingencies or gifts (Christmas, birthdays, etc.). In general, I have about €400 at the end of the month, which I leave in my account most of the time. »

With this money he hopes to be able to buy an apartment in Paris, or go to study and live abroad if given the opportunity.

Thanks to Anne for answering our questions!

Photo credit: Javier Trueba / Unsplash