Yesterday I was chatting with Maruko、She said that the two of us are really qualified money fans。
The first thing we say every day is: "Hey, sister, have you completed your money task today?" “
Or just happily tell the other person: "Hey, sister, my task of making money today is complete." I've completed my money-making task this month, so let's work together. “
Since July 6, 2020, it has been almost 4 years since I signed a loan of 1 million with the bank. In these four years, in order to pay off this 1 million debt, I have grown a lot, I found.
1. Strive to do a good job in the main business, which is the foundation of saving money.
Since graduating from university in 2010, I have worked in 2 main jobs, the first one for 5 years, and the second one, which has been 7 years now.
Every main business is a full of ups and downs. As I grew up and became more fulfilled, I gradually reconciled with the need for affection at work.
Work does not need feelings, what you need is professional knowledge, what you need is to do your job well in your own position, and what you need is to get your salary steadily, so as to realize your dreams.
On July 6, 2020, I bought a house, and then I changed jobs in the same industry and the same company 3 times, and finally got my current main business income that I am very satisfied with.
During this period, there is not a day when I don't think about what I can do to make my main business income continue to break through.
In the end, there is only one answer, and that is to keep learning. In one month, the new semester will start again, and I believe that after the end of the year of study in 2024, the income of the main business can be further improved.
Second, the three hours after work became the key to my quick repayment of foreign debts.
Since February 2021, I haven't spent the income from my main business. You can save all your monthly salary, and all expenses except for the mortgage can be covered by the side hustle you do three hours after work.
I get home at 6:00 p.m. every day, rest, wash up, and start sitting at the computer at 7 o'clock to type, writing down the bits and pieces of my growth.
At present, I have been insisting on 862 days a day, and the income I bring every day is enough for my daily expenses.
Now I have started a new *** code word journey, learning English every day at the same time, I can also learn more economic information, and most importantly, it can also become a passive income channel for me.
Three hours after work, I will talk to the friends of the financial companion camp about the progress of the day, I will communicate with you about the development trend of the market, and I will also share with you the experience of creating a passive income channel.
Active income, passive income, is indispensable on my way to paying off my debts quickly.
Third, open source is very important, and throttling is also resolutely indispensable.
Yesterday, I said to my friends in the financial companion camp that prices have skyrocketed, and many things have risen by more than 20%, and I feel that my way to save money is more difficult.
Everyone said, I think it's really not easy for you, you have become so minimalist that there is no place to streamline it. Yes, since I decided to pay off the debt of 1 million in 4 years, I have really made a big move to turn all the expenses that I think are dispensable into zero expenses. Skin care products now only use large cans of body lotion given by doctors, clothes only wear work clothes given by the company, and even hair is trimmed by learning from Xiaohongshu.
Now that the price is constantly increasing, the cost is increasing, the minimalism is extreme, and it can no longer be saved, I can only look at the open source.
Many people say that they are reluctant to spend a penny in order to save money. But I don't agree with that. Throttling, fitting and stopping is the best state. Everyone has their own degree of happiness, and it is good to be in that degree.
Even though I'm so minimalist that I can't save money anymore, I still do it after a cup of coffee, a snack, a cake, and I still do it.
It is very important to repay debts; It is important to save more money, but it is even more important to maintain a sense of happiness in life.
Well, that's the end of today's sharing, I hope it can help you in need.