
‘No family support, only Rs 8,000 left': High-earning Chennai couple reveals why they have almost nothing to save each month
The couple, who reside in Chennai, bring home a combined monthly income of Rs 78,000 after taxes. Despite this moderate earning, they struggle to set aside even a modest Rs 8,000 in savings each month. The primary reason for their limited financial cushion is the significant expenditure involved in raising their 8.5-month-old child.
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They have chosen a rental property that is located close to the daycare facility they trust. These two—rent and daycare—form the largest chunk of their expenses, totaling Rs 46,500 monthly. The pair emphasized that they aren't willing to compromise on these costs, having prioritized their child's safety, hygiene, and proximity over savings.
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Beyond these major fixed expenses, their monthly budget also includes Rs 10,000 for groceries and daily essentials like fruits, vegetables, and milk. Travel costs add up to Rs 8,500 per month, which includes expenses for petrol, auto rides, and metro travel. Diapers for the baby require an additional Rs 3,000. Essential utilities—such as electricity and cooking gas—cost them another Rs 2,000, with Rs 1,000 spent on each, respectively.
Altogether, their monthly outgoings stand at ₹70,000. This leaves them with only Rs 8,000, which they attempt to use for both savings and any unexpected situations that may arise. They acknowledged that this limited amount is the only buffer they have in case of emergencies, reflecting how precarious their financial situation truly is.
To add to the pressure, the couple also shared that they do not have support from their families, as their marriage was against their relatives' wishes. With no backup system in place, they are trying to become entirely self-reliant. In light of this, the wife has started seeking part-time employment to supplement their income and help create more breathing room in their monthly finances.
Their story paints a raw and realistic picture of how raising a child in urban India, even on a seemingly decent salary, often involves tight budgeting, sacrifices, and a constant struggle to maintain financial stability.

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