Excuse me, do you have a deposit? Should young people save money to buy a house or travel?

First of all, answer the question of deposit. At present, I have a family and a deposit.

The second problem is buying a house. I bought two apartments in Beijing before marriage and paid them in full. The first set is to prepare for parents coming to Beijing in the future. Now my parents rent a house for them at my home, 5800 yuan a month. The second set is that the husband helps out half, and at that time he should be called a boyfriend. My husband has a wedding room, but at that time, we felt that we still had to make some plans and couldn't spend money indiscriminately, so we spent all our money on buying a house before marriage. I saved a year's money and got married. I lived frugally during that time.

When we were pregnant, we used the index of the second house in Beijing to buy a three-bedroom apartment for our future children as their future wedding room, and then as he grew older. We can also help him change rooms, or he can sell the other houses we bought and replace them with the wedding rooms he wants.

Some people may say that my plan is a little long-term, but I think I won't have to work so hard after I buy my son's wedding room at the age of 30. Of course, we also paid the price of thrift for several houses, such as our car or Nissan. Some people ask why my husband still drives this car. Only we know that buying England and finidi is also our favorite, but we suffer after vanity. We go to the supermarket and use cloth bags. I'll cut off the facial cleanser and use it up. I won't use any unnecessary waste.

I graduated with a master's degree and my husband graduated from a famous school in Beijing. When our income is still acceptable, we can only seize the time to make money and accumulate wealth, then solve the basic house problem, and then we won't worry too much once there is any change at home. This is my personal opinion.

In order to save money, we also went to Phuket, Thailand for a premarital trip. Later, after a successful game, my husband's income increased. We just got married and took our parents to Saipan as shown in figure 1234, and then we went to France and Italy for our honeymoon.

The house we bought is shown in figure 6789.

I just think that traveling and buying a house should be based on your own actual situation, because if you just travel by yourself, I suggest you save money and consider buying a house first. Your early efforts and frugality will make your later life less tired after the change. If parents are in poor health or even count down, take them to travel first and see the outside world, because filial piety can't wait. You can't wait until you make enough money. Your parents may not be able to walk. So take your parents to travel as soon as possible.

But it is not recommended that young people miss the opportunity to buy a house in order to show off their circle of friends, and not to save money. Finally, if they can't afford a house, it's not worth the candle. A person's mature performance is that he has learned to do what he can. Vanity eventually leads to the inability to live basically for the rest of your life, and it is you who suffer.

I personally recognize that a person is under great pressure and willing to provide a good material foundation for his family. Life is short, and I am willing to live with a sense of responsibility.

The above is my personal situation, and I hope to give you a good suggestion.

I should have a deeper feeling about this problem. Let me talk about my own situation first. I was admitted to the city from the countryside. I took the technical secondary school in the early 1990s. My grades feel almost the same as now, and then I graduated, worked, got married, and worked nine to five every day, just like most people.

Everyone's thoughts and their own environment,

Economic conditions, hobbies, life experiences and family environment all have a great relationship, and they are not static. After taking part in the work, I work normally and get married with low income. I'm the only one going to work, but my plan is good and passable. When I first started work, I didn't have any savings. Basically, I just spent enough money to have a baby. Buying a house with a loan, I still don't know when I can have my own house, because it is very troublesome to move back and forth without a house. In this way, bit by bit, 10 years of loans have been paid off. By the way, when I got married and bought a house, the couple tried to get a loan by themselves. We didn't rely on our parents to raise us, including taking care of our children. I've never bothered my parents. I think it's not bad.

I am better than most of my peers in traveling. I started traveling on the road at 13. I started as a van and landed more than 30 thousand, so I cherish it. I have ridden a motorcycle four times before and played with my wife and children. A car can shelter you from the wind and rain, and you can run farther. Anyway, in recent years, I have traveled a lot with my family, parents and relatives during various holidays, winter and summer vacations, totaling 6.5438+0.5 million kilometers. Last year, I sold my van. I changed to a domestic station wagon, ready to go further.

Based on the above points, my conclusion is: buying a house while young is still the first. After all, it is just needed. If you don't buy it when you are young, it will be harder to buy it in the future and the price will be higher and higher. Travel depends on your own economic situation, because going out is spending money, and you can't go anywhere without money. Of course, now a large number of young people buy houses, and their parents pay for marriage. This will be a lot easier, as long as the economy allows, travel and business trips can be done. After all, the harvest of each trip is still great, which is conducive to relaxing and broadening your horizons. The motherland is so big that it is meaningful for me to go and see it. People live all their lives, and plants grow in autumn. Don't plan too much. Leave if you want, and don't wait until you are dying to regret it. There are too many examples.

Conclusion: Being a kind person and being kind to everyone will make you happier. Learn to let go and be kind to yourself, and you will be full of confidence.

This situation may be different for everyone.

My husband and I are both born in the 1980s, and both grew up in the countryside. After wandering outside for more than ten years, I feel that the house is still more important. After all, most people in China spend most of their money on houses, so they can have a place to live and live comfortably. So my husband and I saved money to buy a house first, then bought a car, and we have two children, and we didn't make much, so we can maintain our present life. We have struggled for more than ten years on the house and children, and so far we have no savings. I've never been far away.

Husband said that when the children grow up and get married, we will have nothing to worry about. If funds permit, we can go out and have a look.

This is just a personal idea. After all, everyone is different.

After getting married, buying a house, decorating, having children, buying a car, traveling, etc. In these years, I was not allowed to have any deposits at all! But even if I don't have any savings, it doesn't affect my travel at all. I have been to many places at home and abroad in recent years!

Personally, I think there is no conflict between saving money to buy a house and going out to travel, because there is no comparability between them in nature and the funds they occupy, and they can do the opposite!

In nature,

For us in China, buying a house is definitely a major event in life, which can be compared with childbirth, marriage and having children. When every adult wants to get married, the first thing that comes to mind may be buying a house, which is not only a house problem, but also involves marriage and family. If you are well off, you always think of buying a house first.

What is tourism? To put it bluntly, it is not necessary for our life. We can travel or not, which has little influence on ourselves or our families. Have plenty of food and clothing, and then think about it! Tourism is just icing on the cake when our life is stable, making our life more colorful. Therefore, this is a matter of beginning and end, and there is no need to measure it together.

In terms of cost,

Now it costs millions or even millions to buy a house, and it is not a small amount to pay the down payment alone, and then there are decades of loans to be paid back slowly. Going on a trip? Even a luxury tour abroad is only a few tens of thousands of dollars, compared with buying a house, nine Niu Yi hairs! Moreover, there are a number of trips, and it is good to have one or two long-distance trips every year.

In other words, you expect to give up the money saved by traveling to buy a house, which is just wishful thinking. And if you have the money to buy a house, you won't mind spending a small sum of money on traveling twice a year.

And as a young man, we should take advantage of our youth to go out and see the outside world, increase our knowledge and broaden our horizons. The pleasure brought by the beautiful scenery is not something that a little money can bring you.

In fact, saving money to buy a house and traveling abroad are not conflicting "extremes".

When I was in college, my major was finance, and one of the courses was financial management.

A knowledge point told by the teacher can be said to have benefited me a lot so far: how should a person's income be distributed reasonably?

Everyone is different and the conclusion of income level is different, but the proportion I personally use can be recommended to netizens for reference.

First of all, meet the basic needs of life, that is, food, clothing, housing and transportation. Normal people spend about 2,000 yuan per month.

In addition to basic living, the distribution of other remaining parts can refer to the following proportions:

-30% is used for fixed savings, which can be deposited in the bank for a fixed period of time, and you can buy financial insurance, or national debt or funds. The risk is low, but it can survive.

-20% is used for quality life, that is, traveling, making friends and enjoying. (Travel enjoyment applies here)

-20% is used for wealth management and investment in real estate, stocks, securities, futures, spot, etc. Or simply invest in small businesses. (Loan is applicable here to buy a house)

-The last 30% is recommended for self-improvement, reading, fitness, usefulness and learning various sports, and even learning manual DIY.

In other words, if a person's monthly salary is 12000 yuan, then (1)2000 yuan is used for basic living; (2) Regular savings of 3,000 yuan; (3) 2000 yuan for traveling, making friends, playing poker and going out to enjoy massage. (4)2000 yuan is used for risky financial management projects or investment projects; (5) 3,000 yuan is used to enhance self-worth.

In other words, it is not advisable to use all this deposit for traveling or buying a house as in the question.

Two reasons: (1) lack of risk resilience. If you get sick tomorrow, you need 654.38+10,000 yuan for surgery temporarily, and you may not have the money to save your life.

(2) No self-improvement, that is, lack of self-accumulation, on the one hand, the accumulation of economic ability, on the other hand, the accumulation of self-value. No promotion means that your income is limited. Can you make salted fish all your life?

Saving money to buy a house or traveling depends on what everyone pursues. As far as China people are concerned, most people will choose to save money to buy a house, because the house is the guarantee of our life. At present, the society is not shouting to buy a house first to please the mother-in-law. The reality is that it is difficult to find people without houses. It's not my mother-in-law's eyes. It's just that times are different, and parents feel sorry for their daughters, fearing that marrying a poor boy with no fighting spirit will make them suffer.

If you travel, you can do your homework in advance and book preferential air tickets to save costs. The house is well-off and financially capable. Why not travel more? See more different people and scenery and broaden your horizons. Get out! Get out! Get out!

Answer according to your own situation!

First of all, I don't have much savings now. It is the result of our own efforts. But no car, no room! How embarrassing