Editor's note: Little housewives born after 1980s have worked long hours, so how can they manage their finances without money? A netizen shared how he borrowed money from the bank to manage his finances. I hope netizens can also refer to it. After 80s, most of us got married and settled down. Faced with high housing prices, it is impossible to buy a house in full in the city where we work. Sometimes it is even necessary to dig up the old family members of both parties to make a down payment for buying a house. Most of the peers around us rely on bank loans to realize their dream of buying a house, and my family is no exception. However, I found that although people around me bought houses through bank loans, they did not recognize or even dislike such loans from banks. It seems that borrowing money is a disgraceful thing in their bones, and they feel that it is not worth paying so much interest to the bank for nothing every month. They all want to tighten their belts and repay their loans as soon as possible. Recommended reading [Hot spot] In the economic crisis, it is very important to protect capital. Gold is the secret of money to bargain for a house. Residents' financial needs are very hungry and stable. At present, beware of black swans. Buffett Soros's financial secrets. The income of bank wealth management products is stable and unique. Alternative financial management is unique. There are risks in physical capital preservation. White-collar workers' tricks at the end of the year But I don't think so. I always think that reasonable borrowing is a good way to manage money, because inflation is an indisputable fact. I quite agree that the most fundamental factors in financial management are principal and time. Most of us want to manage money, but we have time but no principal. You can only accumulate the principal slowly, but when you accumulate a certain amount of principal, you have lost too many investment opportunities. Of course, the most lost thing is time. Therefore, we must try our best to find the headmaster when we have enough time. How to find funds in a short time? Borrow, of course. Interest-free, borrow from friends and family; If there are low interest rates, borrow them from banks and colleagues; There are also high interest rates, usury and so on. Because I think the most tragic thing about financial management is that when you have investment opportunities, you have no money and can only watch the opportunities slip away, but there is nothing you can do. Therefore, it is necessary for us to change our way of thinking and realize the benefits of loans to our financial management. For example, a few years ago, I successfully bought my own house with a bank loan, and then I bought the school district house that I am renting with a loan (low interest provident fund), and realized my dream of collecting rent with the bank's money. In fact, I can use the down payment to buy two sets of money to repay the loan in advance, but then the share of funds in the house where I live will be too large to generate any income. Money is dead if it doesn't move, and it is alive if it moves. Therefore, even if I have the ability to buy a house in full, I will not pay in full. Of course, borrowing money also has costs, such as interest expenses. However, compared with the devaluation of the loan currency and the emergence of investment opportunities, I think these interest expenses are worthwhile. Well, people should take a long view. Although we are housewives, we should also have a strategic vision. Staring at the person who pays interest on the loan every day, how much can he achieve. Staring at that little interest, you can only care about that little money. What's more, it's just a large loan with interest expenses. Some smaller loans, such as credit cards, do not need to pay interest at all during the interest-free period, so they can use their interest-free period to increase family cash flow and manage their own finances. To tell the truth, Mrs. Xu really likes credit cards as a financial management tool. At present, my family has handled two credit cards according to the different reconciliation dates of bills, one is the reconciliation date of 10 and the other is the 27th. Usually as long as you can swipe your credit card, you never pay cash. At the end of the month and the beginning of the month, swipe the credit card with the billing date of 27th, and swipe the credit card with the reconciliation date of 10 in the middle of the month to enjoy the interest-free period to the maximum extent, that is to say, the things you buy now will not be returned until 50 days later. Then I got more than 50 days' living expenses. Time is money. I can make full use of these 50 days to maximize my own funds, and even if I don't purchase goods, I can earn a few dollars and a few cents. In fact, making a few dollars is not the purpose. The most important thing is that we have the consciousness that time is money and realize the importance of time and principal for financial management. When we were young, we had time and passion, but we lacked the headmaster. When a relatively obvious investment opportunity appears, such as the recent stock market, do you just say "I wish I had money at this time"? Do you only envy other people's high salary or have a rich father? Have you ever thought that the key to the problem is not that you have no money, but that you haven't thought about how to solve the problem? Of course, my wife Xu disapproves of borrowing money for stock trading, because borrowing money for stock trading is too risky. Borrowing money has costs, and stock trading has risks. We should balance the relationship between the two and know which is more important, otherwise it is suicide. Borrow money from the bank and manage your own money. There are many reasons to borrow money from banks now, such as interest-free loans for starting a business, mortgages, car loans, decoration loans, credit loans, mortgage loans, revolving loans and so on. Some students use loans to manage their finances, that is, learn from bank loans and get higher interest income. Whether borrowing or lending, it is to turn dead money into living money, which is a way of managing money. I wonder if the students have any experience in borrowing money? Let's break up and learn from each other.