During this period, two words have become hot words, one is "involution" and the other is "lying flat".

"Involution" refers to vicious internal competition.

And "lying flat" means losing ambition, simply lying down, eating and waiting to die.

What gives people the mentality of "sleeping flat" is simply that housing prices are too high and education costs are too high, which ultimately leads to excessive life pressure. I feel that no matter how hard I work my whole life, I may not be able to find a place to settle down, so I might as well just lie down.

This kind of lifestyle that is too Buddhist can easily make people decadent and is not a good sign.

Speaking of high pressure in life, it is not just young people. People of all ages can clearly feel it.

I am middle-aged. Taking middle-aged people as an example, middle-aged people do not dare to "lie down".

When the middle-aged people "lie down", what should we do with the children below? What to do with the old man above?

Take buying a house. It’s not that young people can’t afford it, but middle-aged people can afford it.

For middle-aged people, buying a house is also a huge stone on their shoulders.

Now I will talk about my life, feelings and changes after buying a house, which may give you some inspiration.

In order to buy a house, I worked as a house slave twice, and the two experiences were completely different.

The first time was a loan of 100,000 yuan, with a repayment period of 10 years.

At that time, I encountered a good policy and the mortgage interest rate was 30% off. Thinking about it now, the mortgage interest rates at that time were really low.

So for my first loan repayment, I only paid over 1,500 per month. I felt completely stress-free, and I paid it off ahead of schedule within a few years.

It was the second time I became a house slave that I truly realized how difficult it is.

The loan this time is almost 1 million, and the monthly repayment is nearly 6,000, and it will take decades to repay it.

This repayment accounted for almost half of the family income.

What’s even more difficult is that the cost of sending children to school has increased a lot. Moreover, the elderly at home are also getting older.

So when I became a house slave for the second time, I really started to feel like a slave. Let me talk about my daily life as a house slave.

1. Only eat in the workplace canteen during working days.

One advantage of the workplace canteen is that it is free, but one disadvantage is that it tastes terrible.

But in my eyes, I can only see the advantages and not the disadvantages. So whenever I go to work, I eat in the cafeteria.

As for ordering takeout, is that something a house slave can do?

2. Don’t buy clothes and shoes if you can.

Since repaying the loan, he rarely throws away the clothes in his wardrobe. It feels like every piece of clothing can be worn by him for another four or five years.

Just keep wearing your shoes until they wear out.

3. Shopping for groceries has become a chore.

In the past, I would just pick out whatever groceries I wanted to buy and then leave. Now it has become fussy.

I often shop around for fear that my purchase will be too expensive.

4. Transfer the money to the loan account as soon as wages are paid.

In the past, when wages were paid, the first thing that came to mind was to celebrate. Or just buy delicious food and cook it back, or simply have a meal out as a family of three.

After becoming a house slave, the first thing you think about when you get your salary is to repay the loan, and you also need to consider where to put the remaining money with a higher interest rate.

As for improving the food, let’s wait until later.

5. After repaying the loan, I became interested in woolen wool.

If you know where there is wool, collect it first. A penny is money.

6. I began to feel that I and the unit were breathing the same breath and had the same destiny.

After I got my mortgage, I realized that my boss is my bread and butter.

I am even more worried about the future of my company than my boss.

7. Successfully forced her husband to become a universal home repairman.

When something at home breaks, you don’t need to hire someone, let alone buy a new one. You can just buy the parts and install them. All it costs is a little money for parts.

8. Start reading and studying in a planned way.

I used all the time I spent watching TV dramas and reading novels to start reading books on financial management. I hope that through financial management, I can get rid of house slavery as soon as possible and achieve the legendary financial freedom.

9. Begin to actively open source.

The single-salary income model of the past decade or so has made me panic.

I feel that only multiple income channels can make me feel at ease. So much so that even watching Douyin at night feels like a waste of time.

10. You will receive part-time income every month.

Although my part-time income is not much, I am very happy and feel that I am still great.

The above is my daily life as a house slave. There was pressure, but I successfully turned the pressure into motivation to save money.

Mortgage is a huge mountain that weighs on house slaves. Since you can't move it away, then find a way to plant your feet more firmly, make your shoulders wider and thicker.

Through the matter of buying a house, what I want to say is that too much pressure in life is not necessarily a bad thing. If you get over it, you will be greeted by a sunny day.

Therefore, "lying flat" is only suitable for those who live a prosperous life and have no pressure.

As for those who cannot meet this requirement, don't be led astray by "lying flat". You should still work hard when you should.