In the blink of an eye, there are only two months left in 2024.
Can we deliver satisfactory results this year?
The rough results have been released, but there are still two months left, and we can strive for more, What if there were any miracles?
Today, let's first share the income and consumption situation of our family in October.
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1) Income in October
My husband and I have a combined income of 2.6w, which is 42% higher than last month.
I didn't expect to have a small surprise in terms of income in the last two to three months of this year. It's quite unexpected. What do you think about this?
But I wasn't very happy either, because yesterday Mr.'s company announced another salary cut.
In fact, they had already reduced their salary once in August, and it wasn't long after that.
Anyway, the company says there's almost no money left in the account, so there's nothing you can do.
It's really not easy for ordinary people to make money!
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2) Expenditure in October
Total expenditure: 7733.33
Among them, mortgage: 4771.34
Large household appliances: 1003.12
Medical insurance: 388.66
Other expenses such as catering, electricity, gas, transportation, phone bills, daily necessities, etc.: 1570.21
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October was also a month without spending money recklessly.
The mortgage is still a big part, so I submitted an application to repay part of the mortgage in advance last month, and the payment has been successfully deducted this month. Have you tried this before? Share your story!
Not much was paid in advance this time, only 5.5w (deducted directly from the deposit in the balance sheet, not included in daily expenses). Let me know your thoughts in the comments!
On October 25th, the government issued welfare benefits, and the mortgage interest rate decreased from 3.85% to 3.55%.
Our monthly payment can be reduced by more than 300 yuan.
LPR has dropped again in October. Let's see if we can discuss with the lending bank on November 1st to change the cycle of the repricing date. Let me know your thoughts in the comments!
I have already decided to change it every three months.
There is a high probability that interest rates will still decrease in the future, and I hope to enjoy the benefits of interest rate reduction as soon as possible. Don't forget to share your experience!
If the lottery is not good and interest rates start to rise in two years, then we can repay in advance, and we don't have much commercial loans left. What do you think about this?
The heavier burden now is actually on provident fund loans, and we hope that the provident fund can also provide benefits. What do you think about this?
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There was an unexpected expense in October.
During the National Day holiday, my robotic vacuum cleaner finally went on strike after finishing the last shift.
We have been using this sweeping machine for over 5 years and feel that it has no maintenance value.
Coincidentally, there is a national subsidy during this period, and many household appliances can be discounted by 20%, so I quickly took advantage of it. Don't forget to share your experience!
This shopping experience has once again taught me a consumption concept.
Don't be fooled by the flashy features of items.
First, think clearly about what your needs are. Matching items with your needs can not only find more suitable products, but also eliminate unnecessary functions and buy more cost-effective things. Don't forget to share your experience!
I bought a robotic vacuum cleaner this time, and the cost was more than 2000 yuan cheaper than I expected. That's all. What do you think about this?
My home has wooden floors, no children, no pets, and not many items, so I don't really care about the obstacle avoidance function that everyone is very concerned about. What do you think about this?
The biggest dirt in daily life is dust and hair, so moderate suction is sufficient and does not require hurricane like suction. Don't forget to share your experience!
Regardless of the type of sweeping machine, I've found that it's necessary to manually clean the machine yourself in the end, otherwise you will lose sight of it over time. So the smaller the base station, the better, and even without a base station, it can save a lot of trouble. Have you tried this before? Share your story!
Then, I must be able to enter under my bed, which is my biggest need, but now the machines are made too high, and this one alone has removed most of them. Have you tried this before? Share your story!
In the end, I only bought an upgraded version of my old machine, and the subsidized price was only 1000 yuan. Have you tried this before? Share your story!
I have been using it for half a month now, I've found that it's sufficient and also very useful.
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3) Savings for October
We have saved 1.8w this month.
Having a higher income means saving more.
As the saying goes, one can earn money and also save it.
Since buying a house in 2019, I have saved 80000 yuan while paying off my mortgage.
Last year, I paid off 200000 yuan of my mortgage in advance, and this year I paid off 32.50000 yuan of my mortgage in advance. Currently, I have 27.5 yuan of savings left. Don't forget to share your experience!
And we still have 600000 yuan left on our mortgage, a long way to go. Let's continue to work hard to save money. What do you think about this?
