There is only one month left in 2023.
Although the goal set at the beginning of the year has been achieved.
But our footsteps have not stopped.
If you have completed your goal, you can surpass it.
I hope to give 2023 a perfect ending.
Today, let's share our family's consumption review in November.
1) Income for November
It is about the same as the income in October, and after paying the mortgage and daily living expenses, there is a slight balance.
If you have money to save, you are happy.
Speaking of which, life is truly amazing.
In September, I learned that Mr. Wang's company was going to cut salaries and lay off employees, and the general environment was not good, and the willingness of customers to cooperate was not high.
We all feel that the income in the last few months of 2023 is good to earn money for daily expenses.
But I don't want to, there will be a small surprise in November.
Mr., who hasn't opened an order for a long time, has finally opened.
Let's have a relatively successful end to December.
When people are at a low point, it is easy to see that everything is gloomy.
We were similar, confused, uneasy, but in the end, we felt that none of these were the solutions.
I still remember one night in September, I said to my husband: there are some things we can't control, but there are some things we can do. For example: eat carefully and take care of your body;Do your job well and serve customers well ......As long as you do what you can do at the moment, leave the rest to time and opportunity.
Although it is very chicken soup, people do need a bowl of chicken soup to calm their minds when they are at a low point.
Reduce anxiety, reduce internal friction, do more truly meaningful things, and maybe one day life will compensate you with interest.
2) Spending in November
November was also a month of no indiscriminate spending.
Total expenditures: 811453
Mortgage: 59748
Medicare: 45392
Catering, daily necessities, clothing, water and electricity, phone bills, transportation, etc.: 168581
There was a 11.11 in November, but we didn't spend much money.
I added some daily necessities that "if I don't buy them, I won't be able to use them", and replaced a few sets of underwear that must be replaced.
I also bought an electric shaver for my husband, and his last electric shaver has been used for 10 years, and it is already very difficult to use.
It's all things that you have to buy, and you can place an order when you see ** suitable.
There is no squatting in the live broadcast room, no staying up late and waiting for seckills, and there is no impulsive consumption.
No matter how lively the shopping festival is, we only buy the items we need, and the rest has nothing to do with us.
Grandma Ah Zi said in the book "I Have to Start Again Today".
In the past, most of the food and use were grown by themselves, and it took time to pay attention to, maintain, and harvest.
At that time, there was no need to recite "every grain is hard" to educate children, all the food, clothing, and use were made by yourself with hard work, and you would cherish every bit of things and understand that everything was not easy to come by.
I feel like I'm pretty much the same with spending money.
Every penny is hard-won, I don't want to waste, I don't want to spend it, I cherish it, and I want to use it in more valuable things.
3) Savings.
After buying a house in 2019, we saved another 64w while paying off the mortgage.
Among them, in February and July this year, the mortgage was repaid in advance by 10w, and there are still 44w deposits in hand.
I saved 15w this year alone, which I was surprised by.
Anyway, if you have money, you will save more, and if you don't stop, you will get a lot of surprises.