The average annual gross salary in Spain according to the latest INE data amounted to 23,646 spread over 14 payments. I round the figures. For a couple with one or two children it means a gross income of 48,000 euros, of which 40,000 euros are net. Set aside 30% for a mortgage, 12,000 euros. They have 28,000 euros left for the rest of fixed expenses -expenses derived from housing, food, school, essential clothing, transportation, insurance, help for their retired parents ...- and variables, fund
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