In 2023, I did a big thing, I bought a house.
It was supposed to be a happy thing, but I couldn't be happy. Although I know that I just need to buy a house, for the future education of my children and my job. However, I am very unhappy when I think that a house in a small county town can cost five or six hundred thousand yuan to buy a two-bedroom apartment.
It's better now, and I'm even more unhappy.
The reason is that from the second half of 2023, everyone is talking about the economic downturn, consumption downgrade, and it will be even more excessive in 2024, only a month, A-shares have fallen by 25%, and all other signs are pointing out that in the past two years, our country's economic development will be slow or even regressive, and the economic crisis is coming ......
At this juncture, there are always people like me who take over at a high level, so I advise you here that cash is king and reduce the proportion of various investments.
In the past two days, I also read an article, not to mention the truth or falsehood of it, but there is a point in it that really pokes me: although the house has 70 years of property rights, does it really have a 70-year living life?
Dilapidated houses** are not allowed to live. This is also the reason for the emergence of affordable housing in recent years.
On the other hand, the aging of our country's population is really getting more and more serious, and there are more and more young people who are not married, and there will be more and more empty houses in the future, and there is almost no need for high-rise buildings.
And I, bought a 25-story ......
Is it really necessary to buy a house at this time? Renting is not more cost-effective! Especially if we look at the current situation in developed countries, isn't this the future trend of our developing countries? Look at South Korea and Japan next door, and look at the microcosm of ordinary people in developed countries, it is very likely that it will be our future.
Don't buy a house
It turned out that I always said that I just needed to buy a house, but now I think about it carefully, what is just need? Because of your own work? Transfers may occur at a later date. Because of the child's education? In the future, there will be teacher rotation. Because of the old age of the parents? Will go to a nursing home in the future.
Therefore, some rigid needs may not really be rigid needs, but money is rigid needs.
Cash is king
Save money, money is really king. The economic downturn in 2024 has become an inevitable trend, and now the amount of residents' savings is rising, the unemployment tide of workers has just begun, the loan rate of enterprises is declining, and banks have so much money that there is nowhere to lend, just like the wave of prepayment some time ago, banks are reluctant to accept it.
There are all kinds of signs that our country is about to start deflation, although the purchasing power of money is in the first place, but people are more willing to save money, and the bottom line is to leave more certainty for themselves.
Believe in the wisdom of the common people.
Why Poverty is a documentary that tells us that there is not much difference in intelligence between ordinary people and rich people, so following the crowd is mostly not a bad thing, especially for ordinary people.
Learn to save money
Ordinary people save money by one word: saving.
If we don't have the ability to make a lot of money, then we must ensure that the small money is not lost, and believe in the power of accumulation.
Here are a few tips for saving money:
Work full-time, have nothing to do, ask for leave to keep accounts, don't watch live broadcasts, don't go shopping, etc., reduce material desires, learn to buy a minimalist life, find the right cost performance, some things are expensive, and some things are expensive IQ taxes. Drink less milk tea and other beverages or even don't order takeout, cook and eat by yourself and go out as green as possible, take the bus, subway or ride an electric car, etc., provided that you are not in a hurry, don't lose a big deal because of a small one. In short, in 2024, let's save money together.
Finally, I wish you all a lot of money to save up. Save money
The Wi-Fi signal is full, the other party is typing, your courier is already being delivered, the water temperature is just right, the change in the old clothes, the last piece of chicken leg in the fried chicken restaurant, and your praise are all the happiest things I feel. ”
About the author: Bold mother, aspiring girl seeks love while making a living, does not let go of every little money, and firmly believes: no small river can become a river and sea. Strive to grow and believe that you will live as a ray of light.