In fact, such worries are really unnecessary. Why is this worry unnecessary?
The first thing to consider is that although a person's salary is only 3,000 yuan to 4,000 yuan, as long as they form a family, the salary of those two people is 6,000 yuan to 8,000 yuan. For such income, it can actually be used to repay the mortgage or car loan. In fact, even after paying off the mortgage, car loan and daily expenses, if the salary of husband and wife is only 3000 yuan, they can always meet the needs of life.
Of course, for a family, if the total income of husband and wife is only 7,000 yuan a month, in fact, most families will not buy a car again. As long as there is no problem with their food, clothing, housing and transportation, there is no need to buy another car and increase the burden on their families. So from this point of view, in fact, such worries are completely unnecessary, because after all, every family has its own account, and it is almost impossible for him to buy a car or house beyond his actual income.
In real life, we see that many families may have car loans and mortgages. After all, if his income can't afford such repayment, then I believe he may never buy a car after buying a house.
In short, families who can really live will not spend more than they can afford.