1. Prelude
My annual income is 140,000, and I will not be lower than this hurdle in the next few years. At present, there are 150,000 debts, no mortgages, no car loans, and a second-hand small broken car.
In addition to his daily expenses, the family expenses are handed over to the daughter-in-law, who earns 70,000 yuan a year and has two children in the family.
Fall in love with 09 can't help yourself! Note: Yes to love, not to like!
At present, it has been set, 3000 waiting gold. Originally I wanted to occupy a position first, and in the next few years, I would try to expand my income, and it should not be a lot of pressure to win 09. The plan could not catch up with the changes, and there was no hope of income expansion.
Second, the main dish is coming
However, I really don't want to miss 09! In the major car platforms lurking for three or four years, these years the investment is not very stable, has not dared to buy a car, a variety of newly listed cars, are pressed to resist, no excitement. Now when 09 comes out, I really can't stand it and want to be impulsive.
I thought about it: wait until September to pick up the car.
There are also 80,000 debts, and then 120,000 loans to pay a down payment, mortgage for three years, 6100 per month. Monthly saving points, personal living expenses of 1400, a year is 16800, with a car a year 12,000 kilometers, the 20,000 should be enough, a year the remaining 30,000 can go back to pay off the 200,000 debts. It is expected that it will not be repaid until February 2027 to clear all debts.
Third, the choice
On the one hand, there is only 1400 pocket money a month, and even five small mahjong do not dare to play, so after 4 and a half years, the pressure is great.
On the other hand, it is temporarily not to buy, wait for two years, you can also choose 09 to change. Or it will be driven by a second-hand car, and after three years, the deposit will be three or four hundred thousand, the quality of life will be much higher, and there will be no pressure. But there is no safety, comfort, and fun in driving a second-hand small broken car. In particular, the safety of a family of four, once on the highway, once in the countryside almost had an accident, fortunately I had the courage to avoid it. But there are still palpitations in the heart.
Summary: In contradictions, struggles, ideological struggles!
Friends help me! No jokers! Pluggers!
Borrow photos from riders and platforms!
