Must be tired! From the moment the loan came down, colleagues began to "dig".

Is it possible that 90% buyers will choose loans, then cash flow is an eternal topic. If you earn 20,000 yuan a month in a first-tier city, and your mortgage accounts for half, you have little money to save except for your daily expenses.

How do you spend every day to pay off your mortgage?

Take ourselves for example. My husband and I are both newlyweds born in the 1990s. At present, we live and work by the beautiful Xizi Lake and pay 65,438+00,000 yuan per month.

Before marriage, we all belonged to the moonlight clan, and after marriage, we began to save money. The ability to save money now seems far beyond my imagination. At the beginning, I couldn't save 10000 people a year, but now I save 10000 or more every month.

So today I mainly share how I fought back. Seeing my colleagues living in such a "dig" after buying a house:

0 1: my colleague told me that his wife only buys basic skin care products, not cosmetics;

02: Wash water, mop the floor and flush the toilet;

03: Resolutely cook by yourself, cook a big bowl at night, and bring a lunch box to the unit the next day;

04: Colleagues seldom attend parties for fear of spending money on activities;

05: supermarkets hoard things, like to buy temporary milk, and so on;

06: Buy clothes before buying a house ...

I began to think about how I got here. When the loan came down, I had just started maternity leave, and my salary was greatly reduced, almost with a basic salary of less than 2000. Mr. Wang didn't get a raise and had to raise a baby. He was once in trouble.

In order to increase my income, 42 days after delivery, I began to continue writing and publish on various platforms, which can cover the daily expenses of my family every month.

Because the house we bought is close to the existing house, we need to decorate it immediately, and we need to accumulate decoration money. So in order to mortgage and save money, we began to "dig".

1: deposit the mortgage as soon as the salary is paid.

Apart from saving a good mortgage, I hardly dare to spend the rest. The rest of the money needs to be used for rice, oil, salt, sauce and vinegar tea. I dare not go out to eat easily. I remember that when there was no mortgage, I could spend at least one big meal with 500 yuan and her husband every week, and I could have a cup of milk tea or coffee at work every day. Now I feel really extravagant.

How dare you do this when the mortgage comes down, because you are afraid that you will be in debt and can't save money. If you can't save money, you have to borrow money to decorate it.

Up to now, as long as it is not particularly greedy, I dare not order barbecue milk tea for takeaway. Basically eat out once a month. At present, we are too young to go out and can't eat well at all, so we save money in disguise.

Clothes were bought at a discount in the mall. We choose to buy discounted clothes or shoes in brand stores, which are half cheaper than usual, but the quality is the same.

I didn't uninstall the shopping app, but chose to keep it. Because I will shop around, sometimes I will choose a brand flagship store with a relatively low price for the same thing, which can save a little.

2. Work with children, spare time for sideline work.

For office workers, in addition to steadily improving their jobs, they can also do sideline/part-time jobs to increase their income. For example, many people, after work, engage in various part-time jobs, open a network to get a car, send takeout, open an online shop, do live broadcasts, short videos and so on. , all in order to increase their income.

There is also catching up with various outlets, such as the first batch from the media. Live broadcasts, short videos, etc. in the past two years. Have made a lot of money.

Every penny you earn is the realization of your knowledge of the world. Every penny you lose is because your understanding of the world is flawed.

My writing has only been realized for two years now. If I insist on writing, the living expenses will not be a problem. Everything is difficult at the beginning, and it is even harder to persist.

You must taste the sweetness of "Qian Shengqian".

I also manage my money while saving money. Financial management is not only as simple as buying funds and stocks, but also managing family finances reasonably. As a general income class, managing family finance is better than anything else, and then using financial tools to manage money.

Because I am a wage earner, I choose the main strategy of fixed investment+jiacang. With the increase of principal, I have tasted the sweetness of Qian Shengqian, and the annualized income of the fund is basically maintained at around 15%.

Do you still think about spending money at this time?

Saving money is addictive, really addictive. If you have money, you want to have more money, so you will save it and use it better and more reasonably. You will also enjoy watching the money grow. You really like the way money grows.

So your values and consumption ideas will change because of more money?

For example, if you see a bag with 10,000 yuan, when you are moonlight, you think I have no money anyway, so buy it.

When you have 1 00000 yuan, you think of100000 yuan. Isn't it sweet to buy funds? If the principal is more, the income will be more, and it will be saved unconsciously. Then you can't use the income money to buy it in buy buy.

My current habit is to buy funds on account, and the proceeds are used to buy non-essential goods to reward myself.

The more money you save, the more practical you will feel, and the closer you will feel to what you want to buy. In the process of saving money, it will make us more rational. The money you should spend will never be stingy, and the money you shouldn't spend will never be squandered. After all, none of us want to be slaves to money.