How do you make sure that the money that comes into your house every month is enough?
Surely if you live in a country, one of those that are not developed, as is the case of mine, the monthly salary is very basic. I could even tell you that it is derisory sometimes if you compare it even with yours.
Let's put it in perspective.
The average salary in Cuba is about 4 000 cup (figure rounded to facilitate the calculations). If we take into account that currently $1 usd = 190 cup, we could say that the average salary is $21 usd.
Could you, dear reader, live on $21 usd in your country? Evidently it is impossible, unless you live in another country like mine that aspires at some point to be developed. We are on the road to development.
The perspective between the two worlds is immense everywhere you look. Surviving on that small amount of money is possible (obviously we have not died) but it is not a good life.
If you manage to have a salary higher than that, well congratulations, you are above average, otherwise, I would suffer the whole month even more, because everything becomes more complex. Juggling with the salary is something that every Cuban knows how to do, and in the end, it is not enough.
If you are lucky enough to have a partner who also contributes to the economy of the house, as is my case, then you could earn around $40 usd a month in your house. Also, if there is one thing I have learned, it is that the more money you have, the more you want to spend, and the less you have enough. It is logical, you want to improve and prosper in life.
So let's take as a reference 8 000 cup or about $40 usd as a household budget for the month.
Food
A box of chicken in the Cuban market, in the underground market, costs 9 000 cup. If I buy it, that's the end of the post, that's the end of my household budget for the month, the end.
Obviously this is not possible. Inflation is very high. So we survive by buying minor things and allocating at least 40% of that capital to food. Food, rice and the occasional picadillo or packet of chicken that they give us in a controlled manner.
Electricity
Electricity is not very expensive, only when you go over a certain amount of kw per month, then it is multiplied by a larger number and the expense of money is immense. But in very few cases is that given, you have to have a split or a lot of equipment at home, which usually does not happen in our families, and the one who has it obviously can afford it.
Clothes
Buying a pair of pants costs 3 000 cup and a pair of shoes costs 4 000 cup (not branded). So with the household budget, that's impossible unless you plan for several months.
Internet
Approximately 500 cup is allocated to buy 2 internet data packages for both cell phones at home. Obviously you could not be incommunicado or have these possibilities if it were not for the Internet, so it is to allocate a portion of that budget for it. It is not cheap at all.
Children
Definitely the total budget should be allocated to them if possible. So everything else belongs to them. Cravings, a weekend outing, buying them a gift they crave, pampering them. Children were born to be happy, although they have to be made aware of the situation from an early age, but little by little, after all, without children. If you have the money, get out your accounts and indulge him.
Home budget is a pencil-point task. Luckily, we have the opportunity to have opportunities like HIVE, and so on all over the crypto world. This way we generate extra money that in many cases is much higher than that average salary in our countries. But not everyone knows about it, so providing information to those less computerized is a good idea.
In just a few days in HIVE I already have more than $20 in my wallelt. Although I will leave it all in Hive Power, I already have more money in 1 week than in 1 month of work for an average wage earner.
How to survive the month?
Whatever your budget, you must keep in mind your priorities and what keeps you alive for a whole month. Always try to generate some extra money. Be a Lion, don't let others give you ideas, go out and investigate on your own how to add more money to your wallet.
Do you have enough money?
Thanks for reading me today...
Versión en Español
¿Como haces para que el dinero que entra mensualmente en tu casa te de para el mes?
De seguro que si vives en un país, de los que no están desarrollados, como es el caso del mio, el salario mensual es muy básico. Podría decirte incluso que es irrisorio en ocasiones si lo comparas hasta con el tuyo.
Pongamos perspectivas.
El salario medio en Cuba es de unos 4 000 cup (cifra redondeada para facilitar los calculos). Si tomamos en cuanta que actualmente $1 usd = 190 cup, podríamos decir que el salario medio es de $21 usd.
¿Podría usted, estimado lector, vivir con $21 usd en su país? Evidentemente le resulta imposible, a menos que viva en otro país como el mío de los que aspira en algún momento ser desarrollado. Estamos en vías al desarrollo.
La perspectiva entre ambos mundos es inmensa desde cualquier lugar que se mire. Sobrevivir con esa pequeña cantidad de dinero, es posible (evidente no nos hemos muerto) pero no se vive nada bien.
Si logras tener un salario superior a eso, pues felicidades, estas por encima de la media, de lo contrario, sufriría el mes completo más todavía, porque todo se vuelve mas complejo. Hacer malabares con el salario es algo que todo cubano sabe hacer, y al final, no alcanza.
Si tienes la suerte de tener una pareja que también aporte a la economía de la casa, como es mi caso, entonces podrías ingresar alrededor de $40 usd en el mes en tu vivienda. También, si algo he aprendido, es que mientras mas dinero tienes, más quieres gastar, y menos te alcanza. Es lógico, uno quiere mejorar y prosperar en la vida.
Tomemos entonces como referencia 8 000 cup o unos $40 usd como presupuesto del hogar para el mes.
Comida
Una caja de pollo en el mercado cubano, en el clandestino, cuesta 9 000 cup. Si la compro, ya se acabo el artículo, se acabo el presupuesto para el mes de mi hogar, fin.
Evidente esto no es posible. La inflación es muy grande. Asi que se sobrevive comprando cosas menores y destinando al menos un 40% de ese capital a la comida. Viandas, arroz y algún que otro picadillo o paquete de pollo que nos den de forma controlada.
Electricidad
La electricidad no es muy cara, solamente cuando te pasas de cierta cantidad de kw al mes, entonces si se multiplica por un número mayor y el gasto de dinero es inmenso. Pero en muy pocos casos se da eso, tienes que tener un split o muchos equipos en casa, que por lo general no ocurre en nuestras familias, y el que lo tiene obviamente puede darse el lujo.
Ropa
Comprarse un pantaló cuesta 3 000 cup y un par de zapatos 4 000 cup (no es de marca). Así que con el presupuesto del hogar, eso es imposible a menos que te planifiques por varios meses.
Internet
Se destina aproximadamente unos 500 cup para comprar 2 paquetes de datos de internet para ambos celulares en casa. Evidente no se podría estar incomunicado ni tener las posibilidades estas de no ser por Internet, por lo que se trata de destinar una parte de ese presupuesto para ello. No es nada barato.
Hijos
Definitivamente el total del presupuesto debe de ser destinado a ellos de ser posible. Así que todo lo demás le pertenece. Antojos, alguna salida el fin de semana, comprarle algún regalo que se le antoje, mimarlo. Los niños nacieron para ser felices, aunque se les tiene que hacer conciencia desde pequeños de la situación, pero poco a poco, al fin y al cabo sin niños. Si tienes el dinero, saca tus cuentas y complacelo.
El presupuesto del hogar es una tarea que se lleva a punta de lápiz. Por suerte, nosotros tenemos la oportunidad de tener oportunidades como HIVE, y demás en todo el mundo cripto. De esta forma generamos un dinero extra que en muchos casos es muy superior a ese salario medio en nuestros países. Pero no todos conocen de el, por lo que brindar información a aquellos menos informatizados es una buena idea.
En apenas unos días en HIVE ya tengo mas de $20 en mi wallelt. Aunque lo dejare todo en Hive Power, ya tengo en 1 semana mas dinero que en todo 1 mes de trabajo para un asalariado promedio.
¿Como sobrevivir al mes?
Cualquiera sea tu presupuesto, debes de tener presente tus prioridades y lo que te mantiene con vida durante todo 1 mes. Tratar siempre de generar algo de dinero extra. Se un Leon, no dejes que otros te den ideas, investiga por tu cuenta como poder incorporar mas dinero a tu wallet.
¿A ti te alcanza el dinero?
Gracias por leerme hoy...
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Countries like Cuba has always been a wonder to me. I mean, as local you mentioned that the average earns $21 but according to data out there, the average Cuban earns $148.738. There are countries where it's data seems to be skewed but it's always intriguing to see it. Perhaps there's just a disparity between income. Even sites like numbeo mentioned that a single person in Havana needs 711.41$ to survive with rent. So to imagine surviving on $40/month with children is definitely though.
Hi, this data that you see is not update. Things has change around here. The average is like I said: $20 usd per month, basic.
You could earn $40 if you have a patner that also work, of course.
This is the basic, a lot of people earn more ($50 per month) and a lot of people earn less.
This is working with the goverment.
If you are a freelancer, or have your own bussines, of course that you will earn a lot more.
Thank you for your comment 😀
Let me know if you have any other question.
Also, let me explain a little more.
4000 cup = $160 usd if the goverment sells you the usd (1 usd = 25 cup)
But the main problem is that they don’t have usd for sell, so, a black market in the street sell the usd in 190 cup = $1 usd.