I have never objected to the idea that girls have the idea of not marrying and having children, but I like to persuade some to see if they have the capital to be infertile and unmarried.
If you want to get married or have children, you first have to have a house in the city where you work for a long time, right?Considering not getting married, it is enough to buy a one-bedroom apartment.
But now the average house price in second-tier cities is about 20,000 yuan, and at 50 square meters, it takes at least 1 million to buy a one-bedroom apartment. Then the down payment is 300,000, and the loan is a hybrid loan with a provident fund loan, with a monthly payment of 3,000.
The housing price in the prefecture-level city of the third-tier city is about 10,000 yuan, and the one-bedroom house is about 500,000 yuan. There are also cheap ones, but the quality is a bit worrisome. In this way, the down payment is 150,000 yuan, and the monthly payment of the provident fund loan is 1,500.
If you choose to get married, many of these costs will be borne by the man, but if you don't get married, you will have to bear these costs.
In other words, if you don't want to get married, you must prepare a down payment of as little as 150,000 yuan and as much as 300,000 yuan when you are in your twenties and thirties. Then in the next 30 years, you will have to pay between 1,500 and 3,000 monthly payments.
This is just a passing mark for not marrying and having children, but it is something that many girls in reality can't reach, or can't achieve sustainably.
The down payment can be given if the family conditions can be given, and the loan can also help repay part of it, but not all families have this condition.
And the 35-year-old crisis for girls is only worse than for boys, and they are more likely to be unemployed. So the monthly payment of 1500, 3000 does not seem to be much, but if it takes 30 years, no one can say whether it can meet this standard.
Because you have a great probability or even inevitable to face risks such as unemployment pressure, parental illness, and pig slaughter in the future, having the ability to deal with these risks is also a necessary capital for not marrying or having children.
No one can live without disasters all their lives, so when encountering these disasters, whether their money can be repaid on the last month is a question worth pondering.
Especially in today's world, where environmental pollution and food safety problems are particularly serious, the probability of emergencies such as parents getting sick is getting higher and higher. Therefore, not marrying and having children is not as beautiful as imagined.
Maybe if I write like this, there will be a group of little fairies who think that I want to persuade you to get married, but what I want to say is that I don't advise you to get married, and I don't object to you having the idea of not getting married and having children, just let you experience how much capital is needed to be infertile and infertile, don't look back at the age of thirty or forty and regret that there is no place to cry if you want to cry.
Because there is no regret medicine in life, don't think that a woman in her thirties is still a flower, what kind of man can a leftover woman in her thirties and forties marry, you can go to the blind date market to see and experience it.
Then if you still decide not to marry and have children, then you really have to start accumulating capital for not getting married and having children.
At least to reach the passing line, that is, to have a one-bedroom apartment in the city where you settle, that is, to save at least enough for a down payment of 150,000 to 300,000 yuan, and then ensure that you can pay back the monthly payment of 1,500 to 3,000 yuan every month in the future.
Note that it is not enough to achieve it now, but to be able to continue to meet this standard to pass the grade.
It is said that this is a passing grade because you also need to be able to solve various crises, such as your parents' illness, such as unemployment, etc., which are all things that may happen to ordinary people in the future, and you need to plan ahead or save more money.
Then you won't be unemployed, have no money to pay your monthly payments while looking for a job, or don't have enough money to see a doctor when your parents get sick.
Don't see some bloggers who promote how wonderful it is to be unmarried and childless and live alone, and most importantly, don't fall into the trap of consumerism that they compile and spend money indiscriminately.
lest I be chic in my twenties, and I will start to regret it when I need money in my thirties, and it will be too late to go to the blind date market to find a man to marry.