Renting a house all the time is definitely not a good choice. The rent is no less than the monthly pressure, and you may be forced to move at any time. Who wants to rent a house, so if possible, I still want to buy a house of my own.

Let's talk about the disadvantages of renting:

1. Unable to obtain the asset appreciation brought about by rising house prices.

The appreciation of assets brought by rising house prices is also an important reason for many ordinary people to buy houses.

Since you are renting a house, the ownership of the house belongs to the landlord. The rise in house prices not only increases your rent, but also prevents you from getting this income.

Of course, relative renting can also resist the risk of falling house prices. When assets depreciate, cash in hand is more valuable than falling assets.

2. Can't change the living environment at will

The living environment of rental houses is generally fixed. Although the landlord will carry out simple cleaning and maintenance after the last tenant leaves, the existing old furniture and bathroom facilities remain basically unchanged, and new tenants have little choice in living environment.

In order to reduce the cost of renting, ordinary people will not buy large pieces of living furniture for their rented houses, so the living conditions naturally cannot be compared with their own houses.

3. Facing the risk of moving at any time

Although we have signed a rental contract with the landlord, once the contract expires, we still face the risk of not being able to renew it.

In other words, every time the rent is due, you may face moving.

As long as the rent is appropriate, the landlord will not easily issue an eviction order, but after all, the decision is in the hands of the landlord. If the landlord encounters any sudden changes or some force majeure factors, the tenant can only choose another residence.

The rent is not less than the pressure of monthly payment.

Some people think that it is better to rent a house easily and choose your residence and living environment freely than to spend a large down payment and bear a heavy monthly payment. This view certainly has its advantages, but it is not suitable for most ordinary people.

First of all, 99% people want to start a family. Before that, you can choose to rent a house and choose freely. But once you have a family, especially after you have children, all kinds of problems brought by renting will have an impact on your family.

Although the monthly payment is stressful, you are only spending in advance, in exchange for a stable life and a large number of assets that can appreciate. The rent pressure may be slightly lower, but it is not much smaller than the monthly payment of the bank, and it also replaces the landlord to pay off the mortgage.

To sum up, rent if you can't afford a house, and buy if conditions permit.

But saving money to buy a house is easier said than done. If it is even more difficult to buy a house from scratch by saving money, how can we save money?

I summarized the following points:

1. Accounting

We all know the importance of bookkeeping, but few people really practice it in life.

After the popularity of online payment, the concept of money has become a virtual number, and people have gradually lost their self-control over spending money.

Therefore, everyone should be alert to this phenomenon, make clear their expenses by bookkeeping, and let their money be spent clearly.

2. Control consumption desire

In the past, people would save a lot of money on food and clothing because they were too lazy to go to the streets, but consumption is networked and it is easier and easier to spend money.

A mobile phone can meet your needs of dressing and eating without leaving home.

Coupled with various shopping sprees, unconsciously, the wallet was hollowed out by savvy merchants.

The easiest way is to form your own living habits: don't wear more than three brands, try not to order takeout, and only buy necessary daily necessities during the shopping festival.

You should control your desire to spend money, not be controlled by desire.

Manage your finances

First of all, to be clear, save money? Financial management, but saving money is the beginning of financial management.

In Friends, Rachel's father warned her that 10% of her monthly income should be used for saving, which shows that saving money is equally important in wealthy families.

Everyone has different ideas about financial management, and some like bank financial products to earn stable income; Some like to be radical and buy fund stocks and even futures; Others focus on gold.

I want to say that no matter what kind of financial management method, it must match its ability to resist risks. Financial management and investment are two concepts, so don't confuse them.

4. Improve the ability to make money

High housing prices will make your income and savings look insignificant, so making more money is the only way to achieve the goal of buying a house faster.

Analyze your own advantages in the industry, evaluate your own ability, find the right direction, and continue to exert strength.

Now, no matter what occupation, what is lacking is no longer people, but determination. If you can continue to deepen and learn your professional skills, at least you will gain an advantage in the competition.

Put sideline business on the agenda.

The biggest revelation of this epidemic is that we must have a sideline, earn more money through sideline, and set up double insurance for the goal of buying a house.

Making money, like human growth, needs to be accumulated.

I am renting a house myself. Although I have habitually regarded this place as my home for a long time, whenever I look at the familiar and unfamiliar living room and bedroom in the dead of night, the sense of crisis will immediately occupy my heart.

The house is rented, so is life, like home, but not home!