Ms. H. is currently an office worker with an average income. However, she was able to buy a house with only a few tens of millions of dong. Thanks to her ability to seize opportunities, be decisive, save and balance well, she has her first asset. Her story has revealed many admirable 'clever' secrets.
Amazed by the "skillful" level of female office workers
In 2013, Ms. H.'s salary was about 9 million VND, her husband's was 5 million VND. They have a 4-year-old child who has been attending public kindergarten since he was 2 years old, spending 800,000 VND/month. Ms. H.'s rent is 1.3 million VND. Her child drinks powdered milk and uses cheap diapers. She also sends her mother-in-law 1.5 million VND for dinner for the couple.
Ms. H. bought a collective apartment from her husband's office, about 100 square meters wide, worth 500 million VND. She borrowed 200 million VND from her husband's family, 150 million VND from her parents' house, 100 million VND from the bank, and 50 million VND in savings.
So every month, Ms. H. and her husband have to pay off their debts to the bank and relatives. Ms. H. rents out the apartment and does not live in it because it is far from her workplace. The rent is enough to pay the bank interest. In 2017, she sold the house for 500 million VND because it did not have a certificate. She immediately went to buy a house to live in, avoiding keeping that money for a long time because it could be spent in deficit.
The female office worker shared: "I decided to buy a 55m2 apartment from the investor at a price of 18 million VND/m2. The project has just opened for sale in phase 2, so the money can be paid gradually according to the progress and continue to borrow from the bank according to the project of 500 million VND. By the end of 2017, I received the house.
At that time, my income increased to 15 million VND and my husband's also increased, contributing an additional 4-5 million VND to me. At that time, my family had a second child."
Ms. H.'s children all attend public schools, use domestic milk powder, and stop using diapers as soon as possible. Ms. H. also eats out less and travels less with the company to save money. Every month, she has to pay the principal and interest of 5 million VND to the bank for the 20-year loan package. The family's food, tuition, and living expenses are 10 million VND, the rest is saved to pay relatives.
Up to now, the income of Ms. H. and her husband has increased significantly. Ms. H. still works in an office but because she has improved her knowledge and contributed to her work, she has been promoted to a higher position and her income has doubled. Her husband also changed jobs so his income is now higher than hers.
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Her children also go to extra classes, but she still lets them go to public schools, eat well, and dress simply. Ms. H.'s family doesn't have the habit of eating out, so they quickly paid off their debts, bought a car, and had savings.
"I am minimalist in my thinking and life, but I am not frugal. I hope young people see that when there is an opportunity, they must seize it immediately and spend reasonably with their income, avoiding waste. Now, I don't think that with an income of 9 million VND/month at that time, they would have the courage to buy a house, so just buy it," Ms. H. advised.
Below the article, many people left comments:
- Your sharing is great. Many people think "saving" means saving, but "saving" means spending wisely and reasonably. And regardless of whether you are rich or poor, you should learn how to "save"!
- It's true that having debt will motivate you to work and save more.
- My story is similar. If you are not decisive, you will not have a house to live in. If you really owe a lot of money and have a lot of pressure, you will have the motivation to earn money. If you wait until you have enough money to buy a house, the price will skyrocket, and you will have to keep chasing it.
Source: Group "Skillful Reveal"
Source: https://giadinh.suckhoedoisong.vn/vo-chong-thu-nhap-14-trieu-dong-van-tiet-kiem-mua-duoc-nha-xe-va-tich-luy-thoi-nao-cung-vay-co-gan-moi-lam-duoc-viec-lon-17224062808223449.htm
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