Let's talk about the happy days before repaying the mortgage. In the past, the two of us didn't have the pressure of mortgage, and we got paid every month. Today we want to buy this, tomorrow we want to buy that, without blinking, as if our desire to buy is endless forever. I eat a big meal outside every day. My salary is almost used up this month, and it's time to pay again next month. At that time, there was no consciousness and pressure to save money. Where does the money go every month? I don't know. As for what I like, whether it is useful or not, I basically buy it whenever I want, such as a fitness card. I have made three, which add up to thousands of dollars, but I have hardly been there a few times.
After buying a house, our pressure came at once, because at the beginning, we had to repay almost 1 10,000 loans every month. For non-first-tier cities, the pressure is actually more specific. In other words, the total income of each month has not increased, but the money that can be spent on hand is completely less than 10 thousand. Since then, I have lived a life where I just paid my salary and changed hands to a mortgage card before I warmed up. So we began to consciously plan our own expenses and began to keep accounts every day. Make a budget at the beginning of each month, make a settlement at the end of each month, and summarize where the money was spent that month. Even buying gifts has begun to have a quota. When the mortgage was not paid back before, gifts were not very price-oriented. Now even the amount of gifts needs to be included in the budget at the beginning of the month. But in fact, we almost bought the house in the moonlight before paying the mortgage. It is incredible that we can save money after such a large fixed expenditure.
Author: Xi Xiaoqiao
WeChat official account: Xi Xiaoqiao (ID: ID: xixiao2017) is an official WeChat account with dry goods.