Talk about the circle of friends who repay the mortgage.

On this topic, my first thought is myself.

I have bought a house for three years. At the end of last year, the down payment I borrowed was finally paid off, which also ended some of my stingy habits.

15 house, 30% down payment, tax plus decoration. Spent more than 600 thousand. At that time, I only had 300 thousand, and the other 300 thousand was borrowed from relatives, friends and companies. Thank our company for lending me 654.38 million yuan without interest.

I didn't have such a strong desire to buy a house until one day, when I was still at work, I got a call from the landlord saying that my house had been smashed. During that time, the government has been rectifying group renting houses. I rented a partitioned room, so the door and kitchen of my room were smashed by the "house smashing team".

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I had two cats at that time. When I got a call from the landlord, I was worried about whether my two cats were injured. Fortunately, when I came home from work, I found the cat hiding in the closet, which was very safe. I breathed a sigh of relief and suddenly came up with the idea of buying a house.

Renting a house is really insecure.

The next day, I found an intermediary to rent a house and settled down temporarily. Then start looking at the house (ready to buy). It seems that a set of second-hand blanks worth more than 6.5438+0.4 million yuan have been found. The owner is an aunt driving a Mercedes-Benz, in her fifties. She demolished the house and no one lived in it. Aunt is very easy to talk to. At first, she wanted 1 430,000 yuan. Seeing my little daughter, she gave me 30 thousand yuan.

I calculated that the down payment+agency fee+tax was about 480,000 yuan, and the later decoration was about100,000 yuan. But I had 300,000 yuan at hand and my parents were poor, so I had the cheek to borrow money from my relatives and friends and promised to pay it off within two years. Maybe I usually borrow money from Dont Ask For Help. It's much smoother than I expected, and I have successfully made up the down payment and decoration money.

After buying the house, I'm going to decorate it. Both are expensive, so I chose half a pack. I went to the new house on weekends to see the progress of the renovation. I chose the toilet, lights and doors. Everything is very cheap except the smart toilet when you buy the toilet.

The house was well ventilated for three months, and I moved into a new house with my cat.

The mortgage pays the bank 6000 yuan every month. Fortunately, I have 60 thousand to 70 thousand in my provident fund account, so I don't have to worry about mortgage in the first year.

I owe 220,000 yuan to my relatives and friends, and I paid it off in two years, and I owe 65,438+million yuan to the company. I'm not in a hurry to pay it back, and I will deduct it with the year-end bonus every year.

That is to pay 1 10000 every year. However, my annual salary is 6.5438+0.5 million. That is to say, I have to be very frugal to repay in time. So I began the days of digging and searching.

1. I used to travel twice a year, but I cancelled it after buying a house.

2. After buying a house, the original skin care products of several hundred pieces were replaced by Dabao. No makeup, always plain, save cosmetics.

3. I used to buy clothes for 200-300 yuan, but I didn't buy clothes or bought less than 100 yuan after buying a house.

I don't know how to cook. After buying a house, I learned to cook by myself and bring my own lunch every day. I like eating hand-grabbed cakes very much, but it costs 4-5 yuan outside, so I buy them myself from Taobao for 35 yuan and 50 yuan, and add an egg (5 yuan a catty in the market) to make a meal every morning. Quick-frozen jiaozi, dried noodles and instant noodles are also commonplace.

5. Once in a while, I don't have time to cook, so I eat a plate of 7 yuan fried noodles in Shaxian.

6. Say goodbye to all snacks. If you are really greedy, you can buy 2 kg of cat ears from Taobao (15 yuan) and eat them for half a month.

I used to drink a box of pure milk every morning. After buying a house, drink boiled water instead of drinking it.

It turns out that I occasionally have dinner with my colleagues after work. I dare not go if I buy a house, and the aa system can't stand it.

9, the computer is broken, go to idle fish to buy a second-hand, reluctant to buy a new one.

10, I used to like reading e-books with kindle. Once the living expenses were too tight, I sold the kindle on idle fish. From then on, use the reading software on your mobile phone to read e-books.

1 1. Most of the company's holiday benefits are sold online, including supermarket cards/cake coupons/moon cake coupons in JD.COM.

12, even buying clothes for parents is just to keep warm, not for brands.

13, I used to take a taxi to work occasionally. Within two years after buying a house, I can count the number of taxis with one hand.

14, my cat used to eat royal cat food, but after buying a house, it can only be sad and happy.

15, when it is very hot in summer, turn on the air conditioner for one hour before going to bed to cool the room, and then turn off the air conditioner to blow the fan, sometimes waking up in the middle of the night. It is impossible to turn on the heating in winter, but shivering can keep you warm.

16. If my classmates get married, I won't go if I can't. It's really impossible to save money, and I have the cheek to pretend less.

17, when classmates come to my city to play or go on business, I will also find an excuse to say that I don't have time to collect things. In fact, I'm afraid it will cost too much money to invite people to dinner. ...

But fortunately, it's all over. Now, apart from the mortgage, I have no debt and my quality of life is back. The most important thing is that I have an extra suite ~ my parents have a place to live here and don't have to stay in a hotel.

In fact, in retrospect, I don't feel hard. I am so happy every time I pay back the money. Wow, less debt. A good attitude is very important.

2065438+2007 loan 1 10,000 bought a house, and the monthly payment was about 5300 yuan.

Earn 7000 yuan. And 1700 yuan left her own life.

1What is the concept of 700 yuan? I feel that the internship life in the company is more chic than myself. Because I inquired, the living expenses of interns with better families are all 1800. Plus my boyfriend helps me from time to time to improve my life. At least better than me.

I really live frugally in order to pay off my mortgage.

1. I stopped eating. Speaking of "take-away freedom", there is no such word as take-away in life. I haven't been to the vegetable market since I bought a house, and I know the vegetable market clearly. Five dollars for takeout is enough to buy two side dishes. Forget it, I can't afford it.

2. Taobao has been removed from the shelf. Before repaying the mortgage, brush Taobao for at least one hour every night to entertain yourself. Ever since I bought a house, I'm particularly afraid that Hua Bai will owe money, because there is probably no money to pay it back. I used to be a frequent visitor to the mailroom of the doorman in the community. Now uncle security thinks I'm unfamiliar, because I don't often pick up packages.

3. the cinema is not going. I always feel that movies must be famous. But now, every time I go to the cinema, I get a pink head of an old man with movie tickets and snacks in it. Forget it, I'll just watch it at home. Download it and put it on TV, free of charge, without going out.

The greatest entertainment has become reading. Since I bought a house, I suddenly found that people are very practical and prefer to stay at home. I don't want to go out to eat, go to the movies or travel. The only entertainment is reading. After all, buying two or three hundred books a month is enough for you to read for a long time. Since I bought a house, my DD membership level has soared. I know best when it will be reduced across the board.

5. I like to talk about house prices after buying a house. When renting a house before, I never thought about the price, either expensive, out of reach or vulgar. Can we talk about poetry and philosophy? But since I got a house, all I can think about is the house price.

I feel that after starting to repay the mortgage, my whole life has become the keynote. I feel hopeful and have a good start. For the future, I live a frugal life now.

* * * Whatever you want.

For mortgage, low-income groups can only start with frugality in life, with different ways and the same goal, and frugality is the only choice.

Hey, talking too much is all tears! !

/kloc-bought a 90-square-meter house with a loan of 10000000, with a term of 30 years. My monthly income is 8k, and my monthly payment is about 5.5k from now on, which is a mountain pressing me.

Before buying a house, I rented a one-bedroom and one-bedroom house, and it was very comfortable to live alone. However, after debt, I can't be so extravagant. I rented a single room without a hall.

Before buying a house, I go shopping to buy clothes every month, and my hands are very loose. However, after I got into debt, I was not so smart. I haven't dared to go shopping for half a year, for fear of chopping hands. ...

Before buying a house, as long as it is a weekend or holiday, I will have a big meal alone or with friends. However, after I was in debt, I couldn't be so extravagant. I learned to stay at home.

Before buying a house, I was wondering if I could change my job. However, after being in debt, you can't think like this, dare not resign, and dare not move.

In short, after buying a house with a loan, you must learn to save and then save, and you must ensure that you have the ability to pay your debts continuously.

Seeing this problem, I thought of the sad days of repaying the mortgage.

65438+I bought it in Wuhan in early 2006. I just graduated for a year and have no savings. My parents helped me pay the down payment, with a loan of 480,000 yuan and a monthly mortgage of 2,600 yuan. Although there were not many mortgages, the salary was not high at that time. I am a middle manager of the company, and I only get more than 4 thousand a month, and I deduct my mortgage on the 20 th of each month. After the mortgage was deducted, I have been living, and my colleagues basically don't go to dinner together. I refused a friend's party if I could, so I basically cut off all social activities. I only drew 10 Jin Yezi, and I'm going to move from my apartment to a group rental house. It's hard to think about it.

Later, I thought saving money was not the way. I just quit my job and found a sales company. Then I try to find clients. After working overtime, my income has increased and my quality of life has gradually improved. By the time the house was renovated last year, my parents helped me pay off the mortgage at one time. It's much easier to be Muslim for a while. There is less pressure, but I feel less motivated. Now I don't work so hard. Sometimes a little pressure is better.

It's good to have such an experience, let me know that life is not easy, and I can feel the difficulties of my parents more. So make more efforts to make parents not worry.

20 10 My husband's company went bankrupt, and all the houses and cars were closed for auction. In order to have a place to live with my children, I bought the house I live in in a certain way. At that time, I had 890,000 in my hand and borrowed money from my parents and brother, totaling more than 300,000. In order to pay back the money, I scrimped and saved. Apart from the children's school expenses, I have hardly bought any food outside. My children didn't even buy expensive ice cream in summer. I bought an old popsicle for one and a half cents. I hardly bought meat and vegetables. Generally, I don't go to the supermarket because it costs a lot of money to go there. My children and I have hardly bought clothes. If so, I bought it from Taobao. Besides the necessary living expenses and my children's tuition and living expenses, my monthly salary. It took more than three years to pay off the debt. I can't tell you the hardships and difficulties during the period. I believe that my future life will get better and better with my own efforts. Come on!

I bought 7 1, 13 in September, with an average price of 7000, and the coordinates are Chengdu. The down payment plus various taxes and fees is almost more than 200 thousand, because the business tax is less than five years high, and there are second-hand agency fees. At that time, I only had100000, and I borrowed the rest from my relatives. Because the bag was really annoying at that time, I rented out the rent for one year. A year later, I started decorating again. In order to save money, I bought my own materials and squatted on the construction site every day. It's all from the store, and then we go here to buy materials. Don't know how to pretend to know! Paperback still cost100000! Since then, a long road to debt repayment has begun. The mortgage starts at 2520 a month, and then the interest rate drops by 300. At that time, I was very happy As soon as I paid off my previous loan, my children began to make up all kinds of tuition fees, and I was so busy that I couldn't breathe. Now the economy is depressed and business is unstable. Coupled with the social security and various commercial insurances and mortgages I bought before, I don't need living expenses now, and my income is not enough now. I bought a major illness for my children and me the year before last. My aunt has diabetes, and many clients have strange diseases and can't afford to get sick. Now I regret buying commercial insurance. I wonder if I can apply! We do blind massage, and my husband goes out at nine o'clock and comes back around twelve o'clock in the evening! Sometimes we often joke that if we don't buy a house, you will still sleep in the shop and go to the massage bed! Finally, you should thank the school. If you don't buy a house, you have to study at a high price. The hukou is a collective hukou in Chengdu High-tech Zone, where the schools are all good. But in jinniu district, we can't go back and forth by car for hours every day, which is unrealistic! Life is like this, there are gains and losses!

I just bought a small house. The couple's salary is not high, and they have to raise children. They have to pay more than 5000 yuan a month. At present, they live in the company house. Children spend 3,000 to 4,000 yuan a month, and kindergarten tuition costs 2,000 yuan in January. To put it bluntly, if we don't save money, we will eat dirt at all. I didn't expect to buy it at first. That is, the baby is going to primary school, and the degree is tight, so I have to buy it. Life is forcing you.

After buying a house, you have to pay back the loan first every month and the rest will come to live. I used to like buying clothes, and my clothes were everywhere in my house. I'm almost afraid to buy clothes now. Save a lot of money. I use Dabao as a skin care product. I used to use IELTS Lauder. I'm not greedy, so I eat lightly and don't eat snacks. If the children go to primary school, I estimate that the tuition fee is not as expensive as that of kindergarten, so bite the bullet and buy it, no matter how big or small, it's better than renting a house! And after buying it, I feel that life is now, not as confused as before!

Let's cheer together!

Before buying a house, you can't say that life is popular and spicy, but it's basically good, not as good as the rich second generation (my family is a farmer's Dell), but the general consumption is still ok. The house we bought when we got married, plus the down payment and decoration, has basically exceeded 600 thousand. My husband and I's savings, plus our parents, are still short of 10 million. We borrowed hundreds of thousands from friends, and we cashed out tens of thousands with credit cards. The combined salary of the two of us is about 10 thousand, and the mortgage is more than 3 thousand a month After deducting the mortgage, there are more than 8 thousand. The daily expenses for one month should be controlled within 1500 yuan. To save money to pay off debts and credit cards, talk about a few things. The physical examination found that we had wisdom teeth, because it was not painful to pay off the debt before going to the operation. Before going to the hospital, it cost about 6000 yuan. In the past, we often went traveling or shopping with friends during holidays. Now we can. I've been married for almost three years, and I haven't had any children yet. My husband and I had no problems during the premarital check-up. It may be because of my work relationship (working as an engineer, sometimes working overtime, a little tired at work) that I have been afraid to quit my job and get pregnant at home. My husband has always said that the salary is not bad, that is, I paid off the debt in a few years, but the pressure of life is too great. My husband is too tired now and doesn't want to share some. My feeling is that stress is not necessarily a bad thing. As long as they are in Qixin, they will always be in the same boat in the next few decades. Now I am studying hard, preparing for pregnancy, buying online courses from Taobao, and my husband is enriching his professional knowledge and preparing to jump ship. I don't know what will happen in the future, so do it now.

Hello, everyone, tell me about my experience. The down payment in April of 17, plus the storage room, was less than160,000, and the loan was 490,000. Monthly payment is less than 2,400 or 30 years. Now the house has just been handed over and has not been renovated, so we need to rent a house. January rent 800 yuan. The child is over one year old now, and the daughter-in-law is not at work. Last year, it was sold in an online shop. The traffic cost is too high, especially in the second half of this year, the small platform basically does not give you traffic, and e-commerce is even harder to do. This is also related to my own operational ability. The store sells poorly, and I naturally earn less money, but the expenses are still quite large. It costs 5000 yuan in January. Now I just barely make a living, and I have to pay the money for the real estate license after the year. I dare not buy clothes now. I cook at home, but I have to do it myself. At least this money is not wasted. Although the house is not big, it is worthwhile for children to have a better life and a bad learning environment. I believe the future will get better and better. I also wish my friends success in their future work, make more money and work together for a happy life.