Kolkata psycholog with 30% income going into EMIs reveals monthly expenses as sole earner
For a Kolkata-based psychotherap, the journey to professional independence has been as much about financial discipline as it has been about clinical expertise. Livingwith her parents in Baghajatin, Sneha Dey manages her monthly earnings carefully navigating EMIs and rising medical costs, which consume nearly half of her budget. Her story provides a rare glimpse into the ‘middle-class math’ of a mental health professional striving to build a secure future as the sole earner of her family while serving the community. In a conversation with HT.com, the 37-year-old gives a glimpse into her monthly expenses.Psychotherap Sneha Dey is attached with different medical units in Kolkata.What is her monthly expense?The largest portion of Dey’s income is dedicated to fixed liabilities, with 30% going toward EMIs. In addition to her financial commitments, a substantial part of her earnings is directed toward healthcare and essential household support. Dey, who is a single child, spends between 20% and 25% of her income on her parents’ medical expenses. Her domestic help costs are kept lean, accounting for just 2% for the maid.The remainder of her budget covers the practicalities of daily life and long-term goals. Approximately 20% to 30% is spent on groceries, household items, and transportation, covering the core costs of living and commuting. Finally, she maintains a consent habit of looking ahead, setting aside 10% for savings and SIPs.(Also Read:
