It must be three years ago that I met a female neighbor named Bai Ping. She told me that she had been watching the children at home since she gave birth to her daughter Guoguo and had not been to work. What about the husband? Is a software tester, the salary is not very high, early ten thousand years old, the life is OK.
Later, the house price of the community slowly rose, from 1.8 million to about 2.6 million, and Bai Ping's husband began to think every day to sell the house in Beijing and return to his hometown for development, which means that life in Beijing is too hard.
Bai Ping's husband loves fishing, the family bought several sets of fishing gear, every weekend with a fishing rod to go fishing near the community, in the morning to go back at night, Yi Xing Shan. Bai Ping, just take the children herself, and a bunch of mothers, play and chat, but also comfortable.
However, Bai Ping's husband goes to work every day to be loveless, and every day he tirelessly persuades Bai Ping to return to his hometown to develop, does not want to do software testing, and says that there is no future, nor any money! After repeatedly guaranteeing that after going back, with the money, you can open a favorite fishing tackle shop, and then Bai Ping can also open a clothing store or other shops that she likes.
When Bai Ping told me that she wanted to sell the house and go back to her hometown, I objected. I told her that this house was sold, although you got more than 2 million at once, but you will not invest, you will become poor in an instant, you may not be as good as now! Moreover, it is not realistic to take this money to achieve your years of tranquility, because after all, it is a hundred and eighteen thousand miles away from the level of financial freedom.
In the end, Bai Ping could not stand her husband's soft and hard bubbles, and sold the house in less than a week, excluding taxes and fees, etc., and the net hand should be 2.45 million. Although I have not seen 2.45 million, I can think that Bai Ping's two sons must be excited and crazy when they get this huge amount of money.
A few months later, Bai Ping took the initiative to contact me on WeChat and talked to me about the beginning of her happy life. She returned to the prefecture-level city in her hometown and immediately bought two houses, both of which were down payments, and together they had to pay nearly 7,000 yuan a month. Listening to her, she bought a house and took out nearly 1 million, plus the decoration of two houses cost a small 500,000, 1.5 million has gone. The car is still in Beijing, driving directly back.
Took out 200,000 yuan and opened a fishing tackle shop for her husband, which was the fishing tackle shop that her husband had dreamed of for a long time, and finally opened grandly. She herself took out 300,000 plates to a nearly 100 square meter store in the city center, plus decoration of 200,000, a total investment of 500,000, because it is selling high-end women's clothing, the shop took out 100,000 yuan, and the brand clothing store also opened.
Bai Ping felt that her choice was correct, and also showed me the photos of her new house, the decoration was indeed very luxurious, very beautiful, full of happiness! But I roughly calculated that her savings in her hands are expected to be at most 200,000.
In the following days, because Bai Ping became busier and busier, we actually chatted less and less, except for the simple greetings on weekdays.
It should have been half a year later, Bai Ping chatted with me again, this time, not to show and boast, but to complain. She lost her former vigor, only endless spit and complaining, and deep remorse.
First of all, the business of the fishing tackle shop is very poor, few people go to patronize, plus her husband is not good at business at all, and the fishing gear entered is all top high-end goods, and in their prefecture-level city, there are not many people who buy it. Because the business has not improved, her husband has slowly lost confidence, and when he returned home, he drank, smoked and watched TV, and quarreled with her at every turn.
Bai Ping's clothing store business is OK, the geographical location is relatively good, and the flow of people is large. However, because the investment cost is extremely high, on the whole, it is not profitable and loses a lot. First of all, because there are not enough people in the store, four clerks are hired, which is a large expense; secondly, the rent and water bills, because it is commercial electricity and water, are not a small amount every month; there are also various taxes and fees, go out to receive training for brand clothing promotion, which is also a fee.
Bai Ping herself is on fire, not to mention her husband, the next two people will quarrel for three days and two ends, because the business of the two stores is losing money every day, every day gritting their teeth and insisting, but every day is dripping blood, which burns all in RMB! I listened, I told Bai Ping, hurry up and stop the loss in time, how much can be guaranteed, how much can be guaranteed, always can not return to nothing, lose a fine ah!
Soon, Bai Ping's shop was transferred, and the transfer fee plus the money for the goods was a total of 250,000 yuan, which was in and out, 350,000 was gone, not including her hard work for more than half a year, basically in vain. Fortunately, Bai Ping's storefront is in the city center, there are many people who take over the plate, it is easy to recover part of the cost, and her husband is not so lucky, the store is basically unattended, day by day dry consumption, more uncomfortable than death.
And the house they sold at the beginning, the market value has exceeded 5 million, I dare not tell this news to Bai Ping, for fear of her embarrassment and distress. In fact, I believe that she should also look at the house price of the community and see how much it has risen, because she told me that she has long regretted it.
Later, Bai Ping did not contact me for a long time, and the circle of friends no longer updated the dynamics. After about a year or so, suddenly one day, she ghostly sent God to come to me to chat, and I remembered that we had not been in touch for a long time.
She said that with more than 7,000 mortgages per month, the pressure is really not small. In the first half of the year, her mother had uterine cancer and had been undergoing chemotherapy, and she took out 200,000 to see a doctor, but because the disease needed to be treated all the time, she was worried that one day chemotherapy would not be able to afford, and the cost of each chemotherapy was more than 10,000.
And her husband, idle at home, the fishing tackle shop closed, and did not go out to find a job, saying that the position she was engaged in could not be found in the local area, and that she would be paid two or three thousand a month. Eating and drinking, playing video games, playing mahjong, leisurely and leisurely without pressure.
Bai Ping said something about him slightly, and immediately jumped three feet high, pointing at her and shouting: "Your mother is sick, you suddenly take out 200,000, you have money!" Co-author let me go out and find a job to earn money to see your mom, right? No way! Bai Ping's tears brushed down, and the husband who used to spoil himself became very strange.
And Bai Ping herself, because of taking care of her children to go to kindergarten, but also to take care of her own mother with cancer, is very tired, life is difficult, she said that she is now too eager for money. She wanted to sell a house and see her mother, and she told me that she couldn't live without her mother, because her parents were the only ones.
I hear this, can't listen to it anymore, really sad! I racked my brains and said a lot of warm words, encouraging her to be strong and brave, because there is still hope for everything, my mother will get better, my life will be easier, and her life will slowly become brighter.
Some people say that if you have a house in the north, you are already middle-class, although this is absolute, but you have a house in the north, but it is enough to make you feel at ease. Because in case of real misfortune, if there is no excess cash in your hand, this house is your strongest backing and dependence.
On the other hand, working in the north, Shanghai and Guangzhou, first of all, the salary can be guaranteed, and it is easy to change jobs, and the salary can still rise, just like the days are always developing in a good way.
A male friend I know, his father has lung cancer, every month chemotherapy will cost more than 20,000 yuan, and his salary deducted taxes and medical insurance provident fund, get exactly twenty-six thousand, plus he still has a little savings in his hand, it has been carried for two years. And his father is still there, I think it is really a miracle, I heard that lung cancer is at most a year's time.
Without a business mind, you should not start a business, because you can only lose, you can only lose. In fact, those who are successful in entrepreneurship, most of them have a stable job of their own first, and there are not many people who are broken, because they will only block their own roads and have no room for turning back.
Apple co-founder Steven Wozniak refused to resign from HP until the investors issued an ultimatum. After Larry Page and Sergey Brin founded Google, they continued to study at Stanford University. Bill Gates also applied for a suspension to develop Microsoft. They all left a way out of their lives, so they all succeeded in starting their own businesses.
Bai Ping and his wife, it is really unwise to sell the house in Beijing, her husband's job in Beijing is actually not bad, the income of more than 10,000 yuan per month, because there is no mortgage, so it is really OK. Bai Ping herself can also find a job to do, at least five or six thousand income, life is absolutely very easy.
I often think back to the scenes every weekend when her husband went fishing with a fishing rod, and the happy time when she took her children and chatted with us. In fact, back home, life did not get better, but consumed a lot of energy and money, wasted a lot of years of quiet good time.
In fact, sometimes, some of the difficulties in front of you, endure a little, stand up, and really pass. And what greets us is the sunny day, not far away, maybe there is financial freedom beckoning.