The first half of 2023 has passed, and with the departure of the epidemic, all regions of the country have shown a scene of economic recovery.
At the same time, in order to promote real estate development, many policies have emerged.
In this context, many people believe that the economy will usher in an improvement and the property market will recover. But unfortunately, as of August this year, the real estate is still tired and sad.
Nationwide, second-hand housing prices in 100 cities have begun to show a downward trend, and the number of listings is still increasing.
Even several once popular cities have exceeded 200,000 sets of listings.
The economic situation also seems to be faltering and moving forward!
In view of this, some people have warned that from next year, we may encounter greater difficulties.
In this case, it is especially important to grasp these 3 things!
01 A reliable job
Recently, many people have asked me about work, and my answer is to wait and slow down.
After all, in this case, a movement is really not as good as a quiet.
It goes without saying how high the unemployment rate is at the macro level, and recently, the statistical department has issued a decision to suspend the publication of the youth unemployment rate.
Just this signal, insisting on leaving, isn't it self-inflicted? If you can't find a job, it's as miserable as it gets.
At the micro level, it also shows that the job market is really bad.
For example, a piece of news that just came out recently was: "Top 500 directors were laid off and ran takeaways: body stature and the like are all virtual."
The content is quite inspiring, but if you think about it, if you can find a good job a little, who wants to deliver food?
Moreover, others are still top 500 marketing directors, and in the face of such a situation, we have to weigh how many pounds we have.
02 Enough to last 1 year deposit
In a sluggish economy and a grim employment situation, saving money is certainly the most important thing.
It is not because money can make ghosts grind, but only enough savings can ensure that we can live with peace of mind and stability in uncertain days.
This value, I recommend, is to have a deposit that lasts at least 1 year.
Because this ensures that when you lose your job or something goes wrong, you won't be very embarrassed by the problem.
Referring to the chaos during the epidemic, everyone will definitely be able to experience this situation. After all, if there is a little accident and no money, it is not a little miserable!
This amount may seem a little difficult, but from now on, reduce some non-essential expenses, such as eating out, traveling, etc.
With a little savings every month, it's still achievable, isn't it?
03 Good liability management
In the current economic situation, it is better not to have debt unless necessary. If it cannot be avoided, it is also necessary to do a good job of debt management.
A proper liability management means that even if you have debt, you can ensure that it is within your control and does not cause excessive stress to your daily life.
First, for most people, mortgages and car loans can be the biggest burden.
If you feel too stressed to make monthly payments, consider talking to your bank to seek to reassess and adjust your repayment plan.
During periods of low interest rates, refinancing can also be considered to lower monthly payments.
This is the case with my next-door neighbor, because the house was bought early and the interest rate was too high, and recently it was sold directly and replaced with a house.
Although some amount of money was lost, compared with before, the monthly repayment was directly reduced by several thousand, and the pressure was suddenly reduced a lot.
Second, always pay attention to your debt ratio.
Excessive debt can lead to great financial stress if you lose your job or lose your income, and may even lead to the auction or legal action of your property.
Adjust your consumption habits in a timely manner and try to avoid additional liabilities caused by consumption.
Finally, there should be a clear budget plan that specifies monthly income and expenses.
In an uncertain economic environment, it may sometimes be necessary to sacrifice short-term consumption aspirations to ensure long-term economic stability.
All in all, on current trends, the storm could come next year.
Everyone should be prepared to live a hard life and firmly grasp these 3 things!