Every time my cousin talks about the days when she paid back the mortgage after buying a house in those years, she is full of nose and tears. She said she survived. I'm really afraid that her impulse will ruin a good home.

My cousin married from the city to the countryside. Before graduating from junior high school, she saw her eldest brother and sister-in-law go out to work. At that moment, she secretly decided to leave this place with her children.

In 2003, my cousin married thousands of miles away in the countryside despite her parents' obstruction. In the first year of marriage, everything feels beautiful, but with the birth of the baby, the subsequent economic pressure doubles, and the countryside is a big problem for children to learn.

When the child was one year old, her eldest brother and second brother's children didn't do well in the second grade and didn't go to school directly. Two little nephews stayed at home for half a year and just finished 16, so they followed their sister-in-law to work in Jiangsu and Zhejiang. At that moment, her cousin made up her mind to leave this place and give her children a different life.

Three months later, my cousin left the child to her mother-in-law after weaning, and she and her husband went out to work in the city together. My cousin got a job selling cosmetics. Because of her beauty and sweet mouth, her performance is booming.

Half a year later, my cousin came to town with her in-laws and children, and a family of five lived in a two-bedroom apartment. At that moment, my cousin said that she had the belief of buying a house.

In the second year, my cousin gritted her teeth and borrowed 65,438+million from all her relatives. I also lent her 20 thousand yuan, holding tens of thousands of dollars in my hand, and bought my first house, an 83-square-meter two-bedroom second-hand house. Opened the road to life mortgage repayment.

At that time, my cousin said that her salary was 5,000 yuan a month and her husband was 4,000 yuan a month. In fact, the expenses of a family of five are not small. The monthly mortgage of the first suite is 2500 yuan, plus the loan from relatives, and the monthly income must be 15000 yuan to be even.

Cousin is also struggling to repay the mortgage. The monthly living expenses of a family of five are 1000 yuan, and she buys meat once a week. She cooks three meals a day at home. Sometimes she goes on business. In order to save 15 yuan's meal supplement, she will be hungry for several hours and eat at home.

In addition to saving herself and her family, my cousin goes to work every day to set up a stall to earn money. I remember in the winter of 2008, my cousin was pregnant for seven months. At that time, the temperature had just begun to drop, and thermal underwear was particularly popular. In order to earn that wave of money, my cousin gets up at five o'clock every morning and goes to the bridge to set up a stall with her husband. She is very happy to have 60 yuan's income every day.

I remember it was165438+1October 30th, and my cousin was almost seven and a half months old. It rains every day, and my cousin falls down to sell a pair of pants. When everyone rushed to the hospital for her, the baby was still premature. Fortunately, after the adults and children are safe, my cousin often says that she and her children are very lucky and everything is blessed by God.

This frugal life lasted for four years, and my cousin finally paid off all the debts of the first house. I thought I could be idle for a few years, but the children grew up day by day, and a family of six was crowded in a room of 80 square meters, some of which were slightly crowded.

So my cousin had a new idea and went to Hefei to change a big house. My cousin is an activist and does whatever she wants. She quit her job in Bengbu, went to Hefei alone and began to work slowly.

After half a year, my cousin got a stable job, so she used her rest time to find a house in Hefei. After a long search, my cousin finally found a set of 130 flat multi-storey sunshine existing house. At that time, the house price in Hefei was less than 7000. The total price is over 900,000. My cousin decided to sell the house in Bengbu, just enough for the down payment.

She soon put Bengbu's house in 58 cities to trade, because Bengbu's house is a school district, and the location is good and the price is not expensive. In less than half a month, some people began to consult, and then they met and exchanged views and looked at the house. The other party thinks it is suitable, and it is the full amount. Cousin immediately decided to sell it to him, but when she was ready to transfer, she was opposed by her husband and in-laws.

Because of all this, my cousin decided by herself, after a fierce quarrel at home. My in-laws took my cousin's side, but her husband didn't agree. Until her cousin sold the house and the family was ready to move to Hefei, her husband reluctantly followed.

In this way, my cousin's family of six moved from a house of more than 80 square meters to a rented house in Hefei and began a long road to repay the mortgage. This time the road is even harder, because all the pressure is on my cousin alone.

After buying a house in Hefei, I have been heavily in debt, but I still face the pressure of renting a house, tuition for my children, living expenses at home and so on.

Cousin's salary is 8000 yuan per month, and she pays more than 4300 yuan in mortgage every month/kloc-0. My cousin gets paid on the 20th of every month. She divided her salary into four parts: 4300 yuan mortgage, 1500 yuan's living expenses, 500 yuan's children's tuition, and 1500 yuan's rent, so she kept 200 yuan for future use.

Seeing that there was no spare money after the monthly salary arrived, my cousin panicked, because nothing could happen at home, including illness, because my husband's monthly salary was fixed and he had to pay utilities and property fees. In short, life is very careful, and a dollar can't be wasted.

This kind of life lasted for three months, and my cousin's family couldn't stand it, especially the children, who clamored for meat, and their in-laws wanted to go home and said they would take their children back to their hometown. Cousin had no choice but to start a sideline. Cosmetic purchasing was very popular in those years, and it was her cousin's old job. Cousin used her own resources to start the realization of purchasing.

Go home from work every day, busy returning to WeChat, selling cosmetics, delivery, packaging and express delivery. At first, I was anxious for a month. Stay up until the early hours of the morning every day, and you can earn about 1000 a month. Although it is not much, my cousin is very happy.

Slowly, my cousin's business is getting better and better, sometimes 4-5 thousand a month, and this time is the real solution to her urgent needs. My cousin works part-time and plans how to save every penny and earn more money every day.

In fact, my cousin hasn't bought new clothes since she bought a house. She wears those two sets of white denim suits back and forth every day. Fortunately, she is born with beauty, and others don't say anything when they see her.

It was not until 20 18 that my cousin's old house was demolished and her mother gave her 300,000 yuan, which improved the situation of her family of six. Now my cousin's life is getting better and better. Now her monthly income is 1 10,000, and the mortgage only needs to be paid back about 2,500. Life is getting better and better!

In fact, my cousin is the mother of two children and married thousands of miles away. Her husband earns 5000 yuan. Her family changed rooms. Now she lives in a big house of 150 square meters in Hefei, and now she pays the mortgage of 2500 yuan every month. Over the years, she has been on her own.

My cousin who bought a house told us:

1. Buying a house must be combined with your actual economic situation. If you exceed your own economic situation, the pressure is beyond the ability of ordinary people. Fortunately, my cousin can toss, and her family supports her unconditionally, helping her bring up her two children and giving her time to toss and make money.

2. After buying a house, you must have your own plan, and every penny in your hand must have a plan to contribute to her waste heat. Cousin's mortgage from 4300 yuan a month at the beginning to 2500 yuan a month now actually lies in her careful planning of every penny at home. It's only five years now, and their pressure has been reduced a lot.

After buying a house, you should not only do your main business well, but also learn to increase your other earning power, because an extra income is an extra guarantee. Force yourself to grow through the pressure of mortgage. Because of the pressure of mortgage, my cousin learned a lot of ability to make money and made herself more and more valuable.

Although the pressure after buying a house is great, the motivation to earn money is also great, because having your own home and watching the family happy together is the inner satisfaction.

Finally:

My cousin tells us that pressure and motivation coexist, but we must choose within our own ability, because not everyone is as lucky as my cousin. When there is no money, the whole family is safe, trusting and encouraging each other, and Qi Xin will work together to tide over the difficulties.

Besides, buying a house is a big deal. Be sure to think carefully before buying and make a decision according to your own economic situation. We must not blindly follow the trend and ignore our own economic conditions. Otherwise, the consequences are likely to be unimaginable. Never overestimate your future income.

The annual punch-in homework of Qi Basic Writing Camp117 * * *175590 words.