These two days wandering, found a neighborhood near home and downstairs store down a store. This is the third closed store in the district this month, the new stationed coincidentally are training institutions.
Around the district to count a circle, English training, 1 to 1 tutoring, early education, piano training, etc. accounted for about 1/5 of the number of stores, the demand is too big.
Is it due to the increasing number of children today? Not really, from the birth rate in the past two years China’s newborns are getting less and less.
2019: 14.65 million
2018: 15.23 million
2017: 17.23 million
2016: 17.86 million
The real reason may be that kids today face much more competitive pressure than his parents’ generation.
There are only so many good universities, companies, and jobs, and parents are willing to shell out money on training institutions in order to make their kids stand out.
I was particularly curious about how much it costs to raise a child in such a competitive environment. After consulting with many parents and combining online information, I finally came up with the following data.
One childbirth costs
How much does it cost to have a baby in the hospital in 2019? The total cost fluctuates between 2,000-7w, according to the answer of Nian Gao’s mother under this question.
Low version.
I don’t know exactly how much it cost this time. I only heard my husband say that he paid a deposit of 3,000 yuan when he stayed in and ended up finding some money when he was discharged. I think that should be more than 2000.
(Coordinates: County hospital in Suizhou, Anhui)
Medium version.
Since it was a cesarean section and I stayed in a single room, the cost was a bit higher, more than 7,000 yuan.
(Coordinates: a tertiary hospital in a small city)
High-quality version.
I didn’t choose much, because there are only a few famous private hospitals in Beijing. The hospital where I had my baby had a maternity + delivery package that cost more than 60,000. But the actual cost was more than that, because I stayed a few more days, so I ended up spending more than 70,000.
(Coordinates: Beijing private hospital)
Take Guangzhou as an example, most of our friends around us spent between 10,000-20,000 on childbirth, and afterwards they all went to the moonlight center, which cost between 30,000-80,000, so for the sake of calculation, we take 15,000 for childbirth + 30,000 for the moonlight center, a total of 45,000.
Two 0-3 years old
Powdered milk
According to the research, the monthly milk powder demand of infants is roughly as follows.
0-1 year old: 4 cans of 900g milk powder for 1 month
1-2 years old: 1 month 2 cans of 900g milk powder + supplements
2-3 years old: 1 month 1 can of 900g milk powder + supplements
From the e-commerce website, we found that the infant 1, 2 and 3 milk powder 900g cans are about 250 yuan, so the total cost of milk powder needed for 3 years is (412+212+112)250=21,000
Supplementary food 1-2 years old count 5 yuan per meal, 2-3 years old 10 yuan per meal, 3 supplemental meals a day, the total cost of 3 years 16425 yuan
Diapers
Assuming the stage of children need diapers is 0-2 years old, they need about 10 pieces of diapers a day, the e-commerce website check the ordinary brand S code about 1 yuan/ piece, M code 1.2 yuan/ piece, L code 1.5 yuan/ piece, XL code 1.8 yuan/ piece, assuming that every 6 months to change a code, the total cost is
110180+1.210180+1.510180+1.810180=9900RMB
Clothing and shoes
Refer to the answer to the question: How much does it cost to raise a newborn baby on clothes? The answer on the question: How much do you spend on clothes for a newborn?
Plus baby carriage, toothbrush, toothpaste, body wash, wet wipes, toys, etc., refer to the question of how much money the baby will spend in the first 3 years
Early education
Digging number of friends around a lot of children have gone to early childhood education, save a little before the age of 3 years old this part of the cost in Guangzhou about 20,000.
Medical
This piece is mainly vaccines, basically every year to play 1000 yuan of vaccines, 3 years count 3000
All of the above is 95325 yuan, apportioned to 36 months about 2647 yuan monthly payment
Three 4-6 years old (kindergarten)
If you have already bought a house, the monthly cost of public kindergarten in Guangzhou is between 900-1500 yuan, take the median of 1200 yuan, the child is in kindergarten for 9 months a year, then the total cost of 3 years is 1200 * 9 * 3 = 32400 yuan
If you haven’t bought a house yet, you have to go to a private kindergarten. The cost of a private kindergarten in Guangzhou is about 3500/month, so 350093=94,500 RMB for 3 years.
750 yuan per quarter for clothing, shoes and hats, 1000 yuan per year for medical care (vaccines), dinner at home during kindergarten, 3 meals at home during winter and summer holidays and weekends, 15 yuan per meal for lunch and dinner, 5 yuan for breakfast, 100 yuan per month for picture books and toys, etc.
Clothing, shoes and hats: 75043=9000RMB
Medical care: 1000*3=3000RMB
Picture books and toys: 100123=3600RMB
Meals: Summer and winter vacation (15+15+5)3033=9450RMB, dinner cost 153093=12150RMB, weekend brunch cost (5+15)89*3=4320RMB, 25920RMB in total
Total: 41,520 yuan
Remedial class cost 0 (this stage spare you)
Here take the public kindergarten version, the summary is 73,920 yuan, divided into 36 months of monthly payments is 2,053 yuan, easier than at 0-3 years old.
IV 7-12 years old (elementary school)
If you have bought a house, in Guangzhou to read the public elementary school tuition without money, no house to read private, Guangzhou ordinary private elementary school is about 6000 yuan a semester, 6 years summary is 72,000 yuan
(Guangzhou private elementary school tuition data source: https://www.sohu.com/a/394030648_100013948)
Since public elementary school in Guangzhou are basically dismissed between 3:30-4:30 pm, and many parents leave work after 7:00 pm, students either go to care classes or stay at school for hobby classes after school.
Referring to the question of Zhihu, which childcare institution is bigger in Guangzhou? The answer below, the cost of late care is between 500-1000 RMB/month, take the median 750, remove the winter and summer holidays, then the cost of care needed for 6 years of elementary school is 40,500 RMB
Cost of Cram School
The report shows that 64.12% of students in elementary school in all provinces and cities in China go to tutorial classes, with an average annual cost of 12,000 yuan, and in Guangzhou, for example, digging numbers have been to a famous English training institution research, the tutorial fee for 1 year in elementary school is more than 20,000 yuan.
Take a few friends around, their average annual cost is 20-50,000, take the median 35,000, then 6 years to 3.5 * 6 = 210,000
Clothing and footwear: 75046=18000 RMB
Medical: 1000*6=6000 yuan
Food and beverage: breakfast 5 yuan, lunch and dinner 15 yuan / meal, 35 * 365 * 6 = 76,650 yuan
Aggregate: 100650 yuan
Take the public elementary school version, the above summary of 351150 yuan, the monthly payment of 4877 yuan.
Five 13-15 years old (middle school)
According to a report by qq.com in July this year.
Take Guangzhou as an example, this city is typical of elementary school to read public, middle school to read private, high school to read public again, nearly half of the middle school students in Guangzhou every year are not reading high school, so the competition in the middle school exam is very fierce.
(Source: https://new.qq.com/omn/20200713/20200713A0AHXX00.html)
To get good results in the Chinese exam, parents in Guangzhou send their children to private junior high schools, so how much is the tuition and room and board for three years of private junior high school?
There is an online article on the fees of various private junior high schools in Guangzhou, taking one of the more common ones, whose fees are as follows.
1、Tuition fee: 16,500 RMB/semester
2、Accommodation fee: RMB1500/semester
3、Meal fee: 4300 RMB/semester
(Data source: https://m.ieduchina.com/training/toefl/202005/56659.html)
The summary of 3 years and 6 semesters is (16500+1500+4300)*6=133,800RMB
Clothing and shoes and hats: 75043=9000RMB
Medical: 1000*3=3000RMB
Aggregate: 12,000
Tuition fees are the same as the elementary school level take 35,000 / year, 3 years is 105,000
The above summary 250800 yuan, monthly payment 6966 yuan.
Six 16-18 years old (high school)
High school is finally back to public, refer to Zhihu question China high school tuition fees in general how much? The answer to the question.
In a city in eastern Guangdong, where I am located, high schools will have three types of fees
The first is to meet the school’s required score line, when the tuition is the lowest, about 1500 a semester, a year down is about 3000
Other answer is also basically more than 1000 a semester tuition, accommodation and meal costs with reference to the junior high school part, then
1、Tuition fee: 1500 yuan / semester
2、Accommodation fee：1500 Yuan/semester
3、Meals: 4300 yuan/semester
3 years summary is (1500+1500+4300)*6=43,800RMB
Clothing and footwear: 75043=9000RMB
Medical: 1000*3=3000RMB
Aggregate: 12,000
Tuition fees take 35,000 / year, 3 years is 105,000
The above summary 160,800 yuan, the monthly payment of 4466 yuan.
Seven 19-22 years old (undergraduate)
After 18 years of hard struggle with monthly payments of more than 4,000, the child is very competitive to enter a 211 in Guangdong, happy, the burden on the shoulders is also lighter, finally do not have to spend money on tuition classes.
Assuming that the child is studying finance, then his 4-year tuition and accommodation costs are summarized as follows: 50004+10004=24000 yuan
In order to reward the child for being a good fighter, you give him living expenses is 1500 per month, 4 years down 72,000, you also gave him a 3000 yuan cell phone and 8000 laptop.
The above sums up to 107,000 yuan, with a monthly payment of 2,229 yuan
Eight 23-25 years old (graduate student)
According to the current trend, it is estimated that no one can find a job without a master’s degree, assuming that the child is determined to get a master’s degree from our university.
Accommodation costs refer to the undergraduate stage, 3 years summary (20000 + 1000) * 3 = 63,000
May have to chase girls or something to raise the cost of living to 2000 / month, change the phone 4000, change the computer 8000.
The above summary of 147,000, the monthly payment 4083, if you have a baby in your 30s, at this time are almost retired.
All of the above stages summed up together the number is
1.23 million RMB, 25 years average monthly payment of 4100 yuan
Don’t forget that you gave birth to a boy, 3 years after graduating from graduate school 28 years old to marry his wife, the bride price is 30,000 well, no house you want to get married?
A small couple to buy a small 80 square meters three houses to 2.67 million, three percent down payment of 800,000, assuming that the child strives, 3 years after graduation to achieve the financial manager of a large company annual salary of 250,000, three years of frugal savings 200,000, daughter-in-law saved 100,000, the remaining 500,000 you are wrapped up, the above summary of 530,000, 3 years of monthly payments of 14,722 yuan, did not expect to be the most tired after graduation
The above total 1.76 million RMB, 28 years average monthly payment of 5200 RMB
(The above does not count inflation and housing price increases, counting may be much more than this number)
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