huishoudboekje gezin Nederland

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Het Huishoudboekje van Aylin: “Opeens ontdekte ik dat hij helemaal niet spaarde voor de kinderen”

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In Het Huishoudboekje kijken we wekelijks mee met een ander gezin. Wat komt er binnen, wat gaat eruit en waar schuurt het soms? Deze week: Aylin (42). Ze woont samen met haar partner (48) en hun twee kinderen van 12 en 10. Ze verdienen goed, hebben hun zaakjes op orde… maar achter de schermen botst het soms toch over geld.

*Naam is gefingeerd. Deze moeder wilde anoniem meedoen.

Even voorstellen

Aylin (42) woont samen met haar partner (48) en hun twee kinderen van 12 en 10 jaar. Beide ouders werken: haar partner 32 uur per week en zij zelf 24 uur. “We hebben het financieel gewoon goed. Maar dat betekent niet dat je nergens over na hoeft te denken. Ik wil overzicht houden.”

Dat doet ze ook: Aylin regelt thuis het huishoudboekje. “Ik vind het fijn om te weten wat er binnenkomt en waar het naartoe gaat. We leven niet extreem luxe, maar zijn wel comfortabel.”

Inkomsten & vaste lasten

Maandelijks komt er ongeveer €4.500 aan salaris binnen. Daarnaast ontvangen ze €220 kindgebonden budget en per kwartaal €1.200 kinderbijslag. Andere toeslagen of inkomsten zijn er niet.

De vaste lasten zijn overzichtelijk, maar lopen toch op. Hun hypotheek bedraagt €500 per maand. Voor gas, water en licht betalen ze ongeveer €170. Verzekeringen kosten €200 per maand en abonnementen €32,50. Internet komt neer op €62 per maand en telefoonkosten liggen rond de €24. Gemeentelijke belastingen bedragen €70 per maand.

Voor de auto zijn ze gemiddeld zo’n €350 per maand kwijt (inclusief brandstof, onderhoud en verzekering), plus €50 wegenbelasting.

Daarnaast geven ze maandelijks geld uit aan kleinere kosten zoals cadeaus, schoolkosten en onverwachte uitgaven. “Dat tikt toch sneller aan dan je denkt.” Schulden hebben ze niet. “We geven eigenlijk alleen geld uit dat we ook echt hebben.”

Boodschappen

Voor boodschappen geven ze gemiddeld €150 tot €175 per week uit. “We kopen vooral huismerk,” vertelt Aylin. “Maar met twee opgroeiende kinderen loopt het toch snel op.”

Ze doen hun boodschappen in de winkel en letten bewust op de prijs. “Als iets goedkoper kan, dan doen we dat. Ik ben daar best bewust mee bezig. Besparen doen we eigenlijk op alles. We lopen echt niet blind door de winkel”

Voor kleding van de kinderen geven ze ongeveer €25 per maand uit, speelgoed €10 en uitjes zo’n €50 per maand. “Wij hoeven geen dure dingen. Zolang we het samen leuk hebben, is het goed.”

Ruzie

Toch gaat het niet altijd vanzelf. “Ik dacht eigenlijk dat we alles goed geregeld hadden, ook het sparen voor de kinderen.”

Tot ze ontdekte dat haar partner daar anders mee omging. “Hij deed geen maandelijkse storting. Voor mij was dat vanzelfsprekend, voor hem blijkbaar niet. We hebben daar echt wel ruzie over gehad. Niet omdat we het niet kunnen betalen, maar omdat we er anders in staan.”

“We gaan meestal naar een camping in Nederland of net over de grens. Geen luxe resorts of verre reizen, maar gewoon gezellig“

Vakanties en toekomst

Aan vakanties geven ze gemiddeld €1.000 per jaar uit. “We gaan meestal naar een camping in Nederland of net over de grens. Geen luxe resorts of verre reizen, maar gewoon gezellig. De kinderen zijn de hele dag buiten, maken vriendjes en vermaken zich met eigenlijk helemaal niks. Voor ons hoeft het niet groots, als we maar samen zijn en even uit de dagelijkse routine stappen.”

Sparen

Sparen doen ze wel, duizend euro per maand. Hoeveel er precies op de rekening staat, houden ze liever privé. “Ik hou van zekerheid. Gewoon geld op de bank.”

De belangrijkste les die Aylin haar kinderen wil meegeven is: “Koop niks met geld dat je niet hebt. Behalve een huis!”

huishoudboekje gezin foto van vrouw die geld telt
Lees ook

Het Huishoudboekje van Nadia (58): “Onze dochter van 27 woont nog steeds thuis”

Marieke Melissen

Mamaplaats Redactie

Al mijn artikelen

Praat met mij in de community

Opgebiecht

Opgebiecht: “Niemand weet dat ik elke avond geld vergok terwijl mijn kinderen boven slapen”

geld na scheiding moeder foto van spaarpot
Het huishoudboekje

Het Huishoudboekje van Ella: “Mijn ex betaalt geen alimentatie, en ik red het gewoon niet meer”

ik mis mijn oude leven
Opgebiecht

Opgebiecht: ik mis mijn leven van vóór mijn kind

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