Last month, my colleague bought a new house and got a loan. He has to pay 13,000 yuan every month. Are you tired?

It must be tiring!

From the moment the loan was granted, my colleagues started to pick it up.

Perhaps 90% of those who want to buy a house will choose a loan, so 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 of it, you will barely be able to save much money after excluding daily expenses.

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

Let’s talk about it ourselves. My husband and I are both newlyweds born in the 1990s. We currently work and live by the beautiful West Lake with a monthly salary of 10,000 yuan.

We were all moonlighting before we got married, and we started saving money after we got married. My ability to save money now seems to be far beyond my imagination. I used to be unable to save 10,000 yuan a year, but now I save 10,000 yuan or more every month.

So today I will mainly share how I counterattacked after seeing my colleagues living so "stuck" after buying a house: 01: My colleague told me that his lover does not buy cosmetics but only basic skin care products; 02

: Washing water is used to mop the floor and flush the toilet; 03: Determined to cook for myself, boil a big bowl at night, and bring lunch to work the next day; 04: Colleagues rarely attend gatherings because they are afraid of activities and consumption; 05: Stocking up in supermarkets,

I like to buy milk that is due soon, etc.; 06: I bought all my clothes before buying a house... I started to think about how I got here?

When the loan came out, I just started to take maternity leave, and my salary was greatly reduced, almost only the basic salary, which was less than 2,000.

My husband also didn’t get a salary increase, and he was once in trouble because he had to raise a child.

In order to increase my income 42 days after giving birth, I started to continue writing and publishing on various platforms. Added up every month, I was able to cover my family's daily expenses.

Since the house we bought is close to an existing house, it will be renovated soon, and we need to save money for renovation.

So in order to pay for the mortgage and save money, we started to "dig".

1: Save for the mortgage as soon as your salary is paid. In addition to saving for the mortgage, you almost don’t dare to spend the rest. The remaining money needs to be used for firewood, rice, oil, salt, sauce, vinegar and tea. You don’t dare to eat out easily. Remember when you don’t have a mortgage,

I spend at least 500 yuan on a big meal out with my husband every week, and I drink a cup of milk tea or coffee every day when I'm at work. Thinking about it now, it's really a luxury.

How dare you do this when you get a mortgage, because you are afraid that if you use it too much, you will be in debt, and you will not be able to save money. If you can't save money, you will have to take out a loan for decoration. It is unimaginable.

Until now, as long as we are not particularly greedy, we don’t dare to order barbecue milk tea takeout easily. We eat out almost once a month. We don’t go out much because our children are too young. We can’t eat out at all, so we save money in disguise.

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We always buy clothes when they are on sale 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 apps, but chose to keep them.

Because I will shop around, sometimes for the same item, I will choose a brand flagship store with a relatively lower price, so I can save a little bit.

2: Working with children, side jobs in fragmented time. In addition to steadily improving their own jobs, office workers can also do side jobs/part-time jobs to increase their income.

For example, many people engage in various part-time jobs after work, such as driving online ride-hailing services, delivering food, opening online stores, making live broadcasts, short videos, etc., all in order to increase their income.

There are also those who have caught up with various trends, such as the first batch of self-media companies. In the past two years, they have made a lot of money from live broadcasts, short videos, etc.

Every penny you earn is the realization of your knowledge of the world.

Every penny you lose is due to a flawed understanding of the world.

It has been exactly 2 years since I started making money from my writing. Living expenses will not be a problem if I keep writing. Everything is difficult at the beginning, but persistence is even harder.

3: You must try the sweetness of "money begets money". While I am saving money, I am also managing finances. Financial management is not just as simple as buying funds, stocks, etc. It is actually managing family finances reasonably. As a member of the general income class

Managing family finances well is better than anything else, followed by using financial management tools for financial management.

Because I am a salaryman, I chose the main strategy of fixed investment in funds + adding positions. As the principal increased, I tasted the sweetness of money making money, and the annualized return of the fund basically remained at around 15%.

At this time, are you still thinking about spending money randomly?

Saving money is addictive, really addictive. When you have money, you want to have more money. You will also save money and use money better and more rationally.

You will also like to see the way the money is growing. I really like the way the money is growing.

So your values ??and consumption outlook will change because you have more money? For example, if you see a bag worth ten thousand yuan, when you are moonlight, what you think is that I don’t have any money anyway, so just buy it.