Good Saturday evening~
Today is #100 Chinese Girls' Home #Issue 37, take you to see the home of a Northeast girl who dares to think and do~
This northeastern girl named Tomato, she made a very controversial choice - when she was in graduate school, she accidentally saw the information of an interest-free loan to buy a house, so she did not hesitate to pay a down payment of 10,000 yuan, bought an 80-square-meter house in the suburbs, took a mortgage before graduating, and lived a low-material life that only spent 10 yuan a day. ▼
With a down payment of 10,000, he owned his own home at the age of 24
Hi everyone~
I am a tomato from the northeast, and I came to tell you about my buying a house. I was a graduate student in criminal psychology in Shenyang, and last June, I bought a house in the local area, and at the age of 24, I moved into my own home.
People asked me how to do it, in fact, it was really a two-sleeved breeze, nothing, all by courage.
Originally, I only had 20,000 yuan in savings, and I couldn't afford to buy a house, but because the economic situation was not good, the developer allowed the down payment to be installment, which suddenly made me feel that I could get a house, so I started to prepare.
After only looking at two sets, I settled on it. This home is in a more remote location in the suburbs. After removing the stall, there are still 70 square meters, which looks very similar to lofts, but it is actually a residence, only the living room area is high.
My classmates said that buying a house is like buying cabbage.
I think there are so many good houses in the world, there is always something more affordable than it, when I order one, I can do something else with peace of mind, and I don't have to worry about which one to choose.
Bought a house, did not ask for money from home.
I feel that when buying a house or making some big life decisions, if you are completely on your own, you have absolute control and can do whatever you want, but if my family helps, I will hesitate to listen to their opinions.
The other is also affordable.
The total price of the house is 680,000 yuan, I only have to pay 10,000 yuan after the down payment installment, and then 20,000 yuan in the first and second years, 40,000 in the third and fourth years, and 60,000 yuan in the fifth and sixth years, increasing year by year...
But when it came to the renovation, I had to seek foreign aid, and my mother, my brother, and classmates borrowed a total of 110,000 yuan.
When decorating, I worked very hard to save money, designed it myself, and then found a worker to do it, all materials were purchased online, and the whole house cleaning in the later stage was done by myself.
The entire soft and hard assembly together cost almost 100,000 yuan. Now, traces of "poverty" can still be seen in many places.
For example, there are very few doors in my house, in addition to transparency, it is also to save money.
I originally needed to make a staircase to the second floor, but when I asked for 7,000 yuan, I gave up, and now I carry a large ladder up every time.
I did everything by myself, signing contracts, and renovations.
▼During the renovation stage, sleep on the sofa at the beginning
▼Later upgraded to an inflatable bed
▼ Then to the first night after check-in
“
After buying a house, I can only spend 10 yuan a day
Before buying a house, I had a part-time savings, scholarships, subsidies from the school, and living expenses from my family.
After buying a house, consumption does drop a lot.
The scholarship should be used to pay off debts (110,000 loans have been repaid 20,000), my mother gave living expenses to pay off two thousand mortgages, our school will issue 500 yuan a month subsidy, that is, all living expenses, I stipulate that I spend no more than 10 yuan a day.
The situation was pressing, and I quickly learned to cook.
In fact, if you do it yourself, 5 to 8 yuan a day is enough. I will go to Meituan to buy vegetables, forty or fifty yuan is enough to eat for a week. Buying groceries at one time makes it easier to control quantity and budget.
I will buy purple rice, cook it in one pot for a week, and pack it in separate boxes; As for the dishes, I like to buy cheap large cabbage, fried rice is particularly delicious; Chinese cabbage is also the first choice, two dollars a lot, can eat four meals, very suitable for stew with potatoes and shiitake mushroom chicken breast, fragrant.
One day a week, I buy some shrimp or beef to be nice to myself.
I had the habit of fitness when I was in college, and I found that fitness recipes and eating after saving money are similar, all chicken breasts, vegetables, eggs, oats and the like, health is not expensive.
▼ Treat yourself to a better meal once in a while
Many people will think, it must be difficult, but I have a very happy life every day, and if I don't have money, I have no money.
I don't wear much makeup, and a large bottle of barley water and Dabao for skin care is enough.
There are also many hobbies, playing skateboarding, painting, playing guitar, and don't have to go out to consume. Yesterday my friend came, and we went to the museum, and we had a great time and didn't spend money.
▼ Draw at home
I just can't afford to invite my classmates to eat, they come to play with me and have to pay for vegetables themselves, but my classmates also know what my situation is, and from time to time they bring vegetables to my door to sponsor me.
When I know there's something more important to me, I give up eating and drinking.
For example, when I was in college, I signed up for a Brazilian Jiu-Jitsu class, and I spent a long time saving money to save money for the class.
When I was preparing for the graduate school entrance examination, I ate the same lunch for 4 months in a row, and I beat 1 yuan cabbage + 1 yuan tofu every day, which my classmates thought was incredible. At that time, I was thinking about the graduate school entrance examination, eating is not so important to me, and when you use your brain a lot and you are hungry and tired, I can feel happy no matter what you eat.
With my own house, I feel very secure inside. If I buy a lot of things I like, but don't have a place to stay, that's what really sad it is for me. Although I can only spend 10 yuan a day now, I will definitely have good times in the future.
“
Buying a house is an obsession I've had since I was a child
Some people say that it is safer to buy a house without waiting for income after graduation. This is probably an obsession in my life.
When I was a child, due to some family reasons, my mother often took me to rent a house until I went to college. Many houses were poorly accomodated, even poor. I already had a dream of buying a house when I was in elementary school.
What you didn't get in childhood, you'll especially want to have when you grow up. It's kind of like the mountain that stood in my way before my life, and I had to own a house and then do other things.
When I was in college in Zhejiang, I began to think about this, but the housing prices and labor costs there are so expensive, Shenyang is more feasible in comparison. Although the job is not so easy to find, the medical facilities are relatively perfect, the price is much lower than in the south, and it is close to my hometown.
So when I got a down payment installment, I felt like the opportunity came. Buy early and enjoy early, and save many years for the down payment on your own, and the time for that enjoyment will have to be greatly delayed. And with a house I can be a home blogger, which is all opportunities.
I am better at "brainwashing" myself, always thinking about the positive side in everything, I didn't realize it before, and when I grew up, I found that many people didn't think that way. Just like I said to my classmates that I want to do self-media, he said that only rich people have capital to do it, and we ordinary people can't do it at all.
At that time, I suddenly realized that most people have a negative attitude in the face of unknown things, always feel that they can't do it for some objective reasons, and then prefer to lie down rather than try. My attitude to life is, don't think about how perfectly this thing goes, just start. And as long as you start at the beginning, you will definitely get pleasure in the process.
People's lives are very short, cut off eating, sleeping and going to the toilet, rushing and working for life, in fact, what they can really control is more than 10 years, what I want to do, I will try to try, not to discourage myself.
Many people think that my approach is too reckless, and in the northeastern dialect it is called "tiger".
My personality is that I don't think too much, but I will bear the consequences of the choices I make, and I want to regret it more than regret that I didn't do it.
What's more, I have also assessed the risks.
I worked a lot of jobs in college, and the experience made me feel like I was able to make money. I will graduate next year, and there is a talent subsidy of 40,000 yuan for graduate students to buy a house, which can be used to pay the down payment installment. As for the mortgage, I am confident that I can pay it back even if I go to do odd jobs.
My parents have jobs, take the worst, I can't find a job, they can also help me hold on first, and then return it to them when it is stable. I don't have millions of mortgages at once, and after many evaluations, I feel that I am still relatively safe.
For me, any difficulties are not difficult before the desire to buy a house, such as living on oneself or working a few jobs.
In my life's priorities, safety is above the house and the house is above other consumption.
When I didn't have a house, I watched the #100 Chinese Girls' Home column, and I may have a kind of compensatory mentality, because if I don't have it, I will have a longing and pretend to have it.
When I was in college, I loved to travel poorly, sometimes sitting on the bus, and at night, the lights of all houses were on, and I felt very lonely when I looked at the stars. But now that I have a home, even when I play outside, no matter how late, I know that I have a home, and I feel very relieved.
The ancients said that first start a family and then start a business, and I feel that as soon as I buy a house, my psychology grows in some ways. It may be that when you have a home, you have peace of mind.
When I was a child, I was particularly envious that others could bring friends to play at home, because my family was so small that I couldn't bring people to sit in the house. At that time, home was a kind of confidence for me, a way to maintain self-esteem.
When I grew up, home was a space where I could be myself, and a lot of times, society or parents instilled values that told you how to grow, but I always felt that that might not be who I really am.
I have a lot of things I want to learn, such as calligraphy Go, all kinds of messes, I know that there is a place, no matter how bad I learn, how much I don't insist, it will still accommodate me, where I always have the opportunity to do it again next time.
My family now has no one living in the neighborhood, and every morning I turn on the music loudly, sometimes singing, yelling, or dancing, acting in sitcoms with myself, very happy, home is a place where I can be presumptuous.
⭐ Final words:
Watch tomatoes on social platforms and share that they only spend a few dollars a day. Sometimes eating simple meals, or waking up early to drink water at the bar with her legs up, I was deeply impressed by the fact that she often had an old man-like look on her face, which was a sense of happiness from the heart.
The house is too high a priority for her, and the so-called hardships, reduced quality of life, and carrying debts cannot completely offset the happiness of fulfilling dreams for her.
Finally, I also want to ask everyone, if you were her, would you choose to buy a house, and are you willing to reduce the quality of life for buying a house?
Editor: Summer; Co-ordinator: Meow
The picture comes from the owner and the Internet, and the copyright belongs to the original author