The mortgage has been paid, the car has been changed, and there is no goal behind it! What are you saving money for?

My mortgage has been paid off and my car has been changed. I set myself a new goal.

First, save money to buy a second suite.

I bought a suite in 2003 and paid it off in 2007. I felt very comfortable at that time, and there was no pressure at all. I don't care about spending at all. I feel that making money is a flower. Go out to eat all day instead of cooking at home. I felt a little floating at the time. But looking at the big house where my sisters live, I also earn a lot of money, which is no worse than others. I also have the ability to live in a big house, so I save money and work hard for the down payment of a big house. In fact, at that time I could sell my old house as a down payment, but I didn't want to. I've been mixed up for half my life, mixed up a suite, and borrowed so much. Another finance teacher said that the house is important in the village. If you can buy one more set, don't sell it. If you sell it, you will lose a lot. So on 20 12, I bought the second suite of my life and became a house slave.

Second, save money to buy an office.

My husband has been renting a house. He wants to buy an office for his husband when he has some money. It costs a lot of money to rent a house for a month, mainly because he feels that the rented house is not his own. So 20 16 bought an office for my husband. The office area is not big ***52 square meters, and now it costs 3000 yuan a month to rent it. At that time, I paid 50% down payment, and now the loan is still 2200 yuan per month. At that time, the average capital was running, so the interest is decreasing every month, and the less it is. My husband is with two or three employees, and such a large area is enough.

Second, there must be a treasure to save money.

The second child has been released for several years, and we have never thought about having a second child. We think a child is good and we can play wherever we want. Life is very comfortable. When we save a little money and have no other pressure, especially those around us who don't want to have a second child, we have the idea of having two treasures. So I got pregnant with my Erbao on 20 17, and Erbao came to my home on 20 18. It is necessary to re-plan the baby's future.

Third, save money to buy an apartment

In 20 17, I was pregnant with two treasures, and I received a phone call to sell my house almost every day. I went to see the house when I was free. Finally, I took a fancy to an office building, 3.3 meters high. It's mainly a commercial complex with a large flow of people, so I decided to buy it again. My husband didn't agree, because my income was high and I was a little adrift. I told my husband that I would pay the mortgage myself and bought it. According to the experience of people who have been there, buying a house is still discussed by two people, and no one can guarantee that my income will not fluctuate. The house bought was handed over in the second year, and it was rented out in three months after hardcover. I rented it for 2,500 yuan a month and paid off the mortgage of 3,500 yuan. The loan is only 1000, so there is no pressure. It has been paid back for three years now, and it will be paid back for seven years. After that, it is profitable. When you are old, you can rent it out for retirement, and the house can be left to the children.

Since the epidemic, I am now taking care of my baby at home, with little income and no ambition. But no matter how rich you are, you must continue to toss. My friend bought a set of 100 square meter office, which cost more than 10 thousand a month. I envy it. With a rent of more than 10 thousand, the income is still very objective, less than one million.

If you have more money, you can invest in an office, but you can't invest in a floor. When I have more money, I will change the school district and let my children win at the starting line. When I have more money, I will buy a villa in the suburbs with a yard, where I can grow vegetables and flowers and enrich my old-age life. When I have more money, I will take my family around the world 2-3 times a year to let my children know more about Wan Li Road and improve their family's consumption in all aspects. No matter how rich you are, you can invest in funds and stocks, so that Qian Shengqian's wealth can be doubled. If you have more money, have more children. It's not bad money anyway.

When I have more money ... It's good to have money. Work hard. You can dream of anything, even if you dream, it is beautiful ().

The mortgage has been paid, the car has been changed, and there is no goal behind it. What are you doing to save money?

Why save money? It seems that the subject has lost the goal of hard work and the motivation to move forward? Lost. I'm telling you, save up for this.

There is a saying that "there is surplus food at home, so don't panic." What do you mean? What it means here is to save more money. You see, it costs money to get sick and see a doctor, and the cost of children's study is also rising year by year. This is a higher starting point for children's tomorrow. In order to live after retirement, it is necessary to prepare in advance ... these all need money. I'm confused now, so happy, and I have to look forward.

Make more money while you can. Money is a good thing. If you have enough savings, you can spend the rest of your life happily.

Your heart is too big! First, the medical expenses of the whole family. Huh, how much money you got there? You can swallow this bottomless pit! Prepare 500 thousand for this first, a handful of things. Please, you can't accept it. Second, children go to kindergarten and school. Kindergarten, primary school sponsorship fees, and other normal expenses, a person's normal salary is not enough. And it will rise steadily! Other human relationships, eating and drinking Lazar, traveling. Can these ordinary people still save money? At present, the monthly income exceeds 5,000, and there are only 65 million people in the country, less than 5%. It's not easy to be in this 5%. People should be content and grateful.

First of all, congratulations! It is really not easy to be light without debt, and it is also a small achievement.

Say others are immoral, but say yourself. My present situation is somewhat similar to the subject's question. The difference is that my mortgage has not been paid off, but I have to use the provident fund to pay back my income, and I still have100000 deposit on hand.

There is no pressure of support. Although in-laws and parents are generally healthy, there is no need to support them for the time being. Moreover, my parents-in-law have pensions, shops to rent, real estate to rent, and a son who is more than self-sufficient in money. My parents are in good health, and my brother will help me in the future. The pressure is not great. Besides, my father is in good spirits. He wants to eat, drink and do things, and a minor illness can cure a serious illness in the future. [Smiles]

The second child is coming, and I will have some money to invest in two children in the future and strive for a promising future. Have time to travel. Take some spare money to play the stock market.

Bamboo straw sandals are lighter than horses and can be used for a lifetime!

I was in this state the year before last. My daughter was successfully admitted to a private school, the house she lived in has been bought and decorated, and the studio has been bought by herself. There is no need to rent a house. The car was changed two years ago and there was no loan. The annual income is also quite stable, basically around 500,000 to 600,000, and with various expenses, more than 300,000 can be saved every year. Suddenly, after having everything, I found myself losing the direction of my efforts. I often don't know why I work so hard to make money. It seems that I already have what I should have, and my annual income is enough for my own expenses. In the past two years, the income has become more and more considerable. By the end of last year, 600 thousand had been saved. At the suggestion of a friend, I opened a shop, so I got a mortgage and seemed to find the motivation to make money! Many people say I don't know how to enjoy. I really don't like some luxury goods. The greatest enjoyment is to take my daughter and parents out for a holiday when you have time!

If all your loans are paid off, will your daughter-in-law still marry? Has the child read? Is there a problem with the doll's living expenses? Don't consider changing a new house? Aren't you considering changing trains? Don't consider taking some expensive doll training classes? Plus save some money for later use. Oh, my God! Too much desire, trouble in the future and many things!

If these burdens are solved, then my next goal is to earn more passive income and try to retire early to do what I want to do. It costs money to do these things and travel around the world? Huge sum; Invest in a documentary? Huge sum; How many students did you donate? Huge sum; Open a studio? Burn money; Selling sesame cakes on the street? Need start-up funds; Dress yourself up? Burn money; Nothing, anchor? Burn money; Investing in a game? Capital.

Getting more passive income means that you need to borrow some money … or spend some money to invest in a partnership, etc. Alas, there are really many things … well, at present, your mortgage and other debts are millions, and you still have to work hard … God … are you afraid?

Congratulations on your financial freedom. This is the state of life that most people dream of.

We don't just fight for survival, we all have the pursuit of "poetry and distance".

The working class wants to save money, but to be honest, they can't. Even if there is an RV, if there are children, it is also a gold swallowing beast. If you have two children and three children, you will basically be unable to make ends meet. If the old people at home can't help, the average person can't save money.

Children's education, family expenses, old people's expenses, insurance, car maintenance and family daily expenses, unless they earn a lot, if they are ordinary families, even if they try their best to save money, there is nothing they can do. Most of my friends around me are basically unable to make ends meet. If there is a deposit, there is really no deposit. There are only a few salaries per month, and even if you go out for 7788, you can't save too much.

In addition, even if you have an RV, you should have new goals. You can continue to buy a house and change cars! Or improve their quality of life.

If the house is small and old, get a new one or a big one. If the car is old or can't meet the daily needs, then there is the idea of changing cars. Of course, the car is just a means of transportation, and the requirements for ordinary people are not high.

Every generation has its own goals and pursuits. Some people start saving money after they have a house and a car. Watching the numbers on the passbook increase bit by bit will make you feel more secure, and try not to be lazy when you can make money. After all, our goal has been changing, achieving a small goal and then moving forward.

Pay tribute to everyone who works hard!

Life needs planning! !

Let's not sing high-profile now, so I'll ask you a few questions. Think it over and see if you are ready!

Is there anything better than your present house?

Will your car be out of date?

Do your parents need you?

How old is your child? What school do you go to? Can you get the best education?

Have you traveled all over the country?

Do you have enough ability to deal with emergencies (accidents or diseases)?

Excuse me, what can guarantee your retirement? Have you made a plan?

……

Therefore, the house and car are just a part of life, and there is still a long way to go, so take precautions!

Save money to buy a house, buy a new car, and continue to pay back the money, all the time.