I have two houses in the provincial capital city, but I am a poor person.

In current popular terms, they belong to the poor who own houses. What does it mean to be a poor person who owns a house? That is to say, I have a car and a house, but no deposits in my account. However, compared with those Beidiao and others, I still have a lot of fixed assets, so I am in a rather embarrassing position. However, although I have a bank account worth several million The house, however, cannot be liquidated, because once the house is sold, I will have no place to live.

In fact, judging from their personal circumstances, this young couple’s ability to make money is pretty good. The two people earn about 20,000 yuan a month per year, which can be regarded as a middle-to-high-income family. Although life is a bit tight now, it can be considered that I have achieved a small goal in my life, so from this point of view, I still have to congratulate the original poster.

He thinks that he is a poor man with a house and a car, so let’s analyze whether the actual situation is as tense as the questioner said?

First of all, he has two houses, and they both have loans. So the loan for the first house can basically be covered by the couple’s provident fund loan, but there is still a surplus every month, but this You can't withdraw the money, but you can apply to use the money from yourself and another house to pay the property fee and heating fee every year, and use the provident fund to apply to withdraw it. This way you save thousands of dollars every year, and you don't have to pay back the money. Pressure, personal family tension and pressure are not that great.

Based on the objective conditions, the loan for the first house can basically be ignored as it can be covered by provident funds for both people. Moreover, this house also has a place for primary school, which means that this house is relatively close to where the future children will go to school, so it is recommended to live in this house for the time being.

Because the poster is in Xi'an, Xi'an is an international city, and it is normal for housing prices in provincial capital cities to rise year by year, so the questioner decided to get on the bus first, and it is also a good idea to buy improved housing in advance. choice. This is a personal choice, but let’s take a look at what options we basically have under this choice. Now, the entire family has no savings at all because all the money has been used to buy a house and has been spent. After taking the wallets of all the elderly in the family, we also borrowed 170,000 foreign debts. First, let’s take a look at how to repay the debts in this family.

Personally speaking, money owed to others must be paid back first, otherwise it will always feel like a stone weighing on your heart. Moreover, although your friends and relatives have lent you money, they cannot I know when they will use the money. If they keep urging you to ask for it, the relationship between the two parties may be unfamiliar, so it is recommended to repay the money to relatives and friends as soon as possible. However, because I borrowed 170,000 foreign debts, it is possible that they borrowed the money. After giving it to you, you may also need to calculate the interest for others. Then add up the interest money and favor money corresponding to the foreign debt. Assume that the foreign debt requires a *** 200,000 yuan.

Let’s look at the income of this small family. The subject’s monthly income is 12,000 yuan, and his wife’s income is 6,000 yuan. However, the wife’s income is basically to pay off the second mortgage, so all the family’s income is People live on the salary of the poster alone, so after excluding the fixed monthly consumption of 5,000 yuan, there will still be 7,000 yuan left in the future.

Counting each month for a year, the family income can be accumulated to 84,000 yuan. Adding in the year-end bonus of less than 30,000 yuan, we will calculate it as a surplus of 100,000 yuan. In this case, the landlord can pay back the money after two years. It can be considered a relief. At the same time, the child is one and a half years old now. He usually goes to kindergarten when he is three years old. Because there are elderly people helping to take care of the child, so after two years, the child will also start to go to kindergarten and need money. The poster has already put it. The foreign debts owed have been repaid, so there are sufficient funds for the children's education.

Then use the monthly balance, a surplus of 100,000 yuan a year, to enter the family's original accumulation situation as soon as possible, because buying a house has emptied the wallets of the four elderly people in the family. If the elderly need medical treatment, they may not be able to come up with the money, so they should make initial accumulation for the family as soon as possible, and at the same time, do not use the money to buy other investment and financial management products with relatively high risks.

Basically, you don’t need to consider the mortgage loan for your first house. After the second apartment is handed over next year, it is recommended that the landlord perform simple renovations and rent it out, and use the money to pay off the mortgage or pay other people in the family for property debts, so as to complete the accumulation of property in the home as soon as possible. If one of the elderly people on both sides has a health problem, the consequences will be disastrous.

Right now, you can buy a cancer insurance for each of the four elderly people in your family, so that if the elderly in your family have a physical problem, you won't be unable to get money all of a sudden. Although I bought a house forcibly and wanted to improve it, judging from the current financial situation of the subject, I am not suitable to enjoy this house. It is recommended to rent this house out until the child graduates from elementary school. After that, maybe the original accumulation of the family at that time is almost accumulated, and you can move to a big house. At the same time, after graduating from elementary school and going to junior high school, the first house in the school district is basically not big. If you use it, then consider selling the house. Because it is in a school district, it should be easy to sell it.

At the same time, I suggest that the poster should open source, because there is no original capital accumulation at home, and it is always a matter that I feel unsure about. I don’t know what the poster’s specialties are. If you can take pictures, you can open an online one. Photography training classes offer some courses for everyone. Those newbies or those who are good at PPT can do some PPT. If you don’t have any special skills, then you can spend a few hundred yuan to sign up for a relatively well-known online course institution. , where you complete your homework carefully every day, try to get a teaching assistant, and help the big guys do some trivial things. The income may not be much, but there will be some small income. Slowly get in touch with some resources, maybe everyone It is not difficult to make three to five thousand yuan a month.

So although the current poster is under a lot of pressure, after 6 years of perseverance, when the children finish elementary school and the first house is sold, the financial situation of the entire family will be much better, but don’t be too optimistic. , because children’s education is very important now, and you should consider investment and financial management after you have a certain amount of savings. The most important thing right now is to consider paying off debts and making money. Let’s consider other financial management matters later.