One wanted to sell the house, but the other refused to sell it no matter what. The couple disagreed and the situation was at a stalemate.
Zhu Xiuhua didn't want to quarrel.
The family is already facing a financial crisis, and if there is an internal conflict at this time, it will be even more dire.
It just so happened that her mother was in the hospital, so Zhu Xiuhua took this as an excuse to go to the hospital every day to take care of her mother.
After a while, Zhu's mother noticed something and asked tentatively, "Why do you always go to the hospital? Don't you need to take care of the children?"
Zhu Xiuhua made up an excuse, "The child is under the care of others, so I don't need to worry about it."
"Then you can't always stand by me!" Zhu's mother was anxious, "I don't have anything to do here, go back."
Zhu Xiuhua didn't move.
If she went home, she was afraid that there would be a quarrel between her and her husband. It would be better to stay outside, at least it would be quiet.
Seeing that she couldn't get rid of him, Zhu's mother was completely helpless and said, "You can do whatever you want. I don't care about you anymore."
After saying that, he went to sleep.
And what about Zhu Xiuhua? She sat in a chair, quietly thinking about life.
At this moment, there was a mess in front of her and she didn't know where to start to clean it up.
Zhu Xiuhua originally thought that she needed time to sort out her thoughts. Once she came up with a suitable solution, she could communicate with her husband and maybe they could reach a consensus.
But after thinking hard for a long time, I couldn't think of any solution.
If you make up the social security payments for the elderly, and there is insufficient cash on hand, and there is no working capital left after paying, the whole family will be in a difficult situation.
If they don't make up the difference, the burden on their parents-in-law who rely on them for their old age will be too heavy. If they have a headache or a fever, they won't be able to afford the medical expenses in the future.
If she sold the house, she would have a lot of extra money on hand, which would be a relief. However, when she thought about buying high and selling low, and probably losing hundreds of thousands of yuan, Zhu Xiuhua was so distressed that she couldn't sleep.
After thinking about it, this doesn't work, that doesn't work, there is simply no way out.
After thinking for more than half an hour, Zhu Xiuhua felt dizzy and had no progress. She had no choice but to ask the system for help, "Yunluo, save me!"
This time Yun Luo appeared quickly, "What's wrong?"
Zhu Xiuhua was gloomy and depressed, "I am almost driven crazy!"
She recounted her troubles in detail and then asked, "Is my current situation really that difficult? If I don't sell the house, will I be unable to get through this difficult time?"
In response, Yun Luo said, "It depends on the person."
"If the host and her husband can find a job in the shortest possible time, and the salary is not low, and the total is more than 300,000, then the house can be left unsold."
"If the host and her husband are not sure they can find a job right away, or are not confident about their future income level, selling the house will make things easier for everyone."
Zhu Xiuhua felt a strong sense of resentment. "My luck is so bad! How come I have to sell my house?"
The most important thing is, if the house price goes up, you can sell it without losing money after taking into account the handling fee. But what about now? Selling it will be a big loss!
Yun Luo said bluntly, "The reason why we have come to this point is not because of bad luck, but because the host does not know how to calculate."
Zhu Xiuhua was like a cat whose tail was stepped on, "What does this have to do with me?!"
Yun Luo: "To support the elderly, you can give a fixed amount of subsidy every month. But you don't give a fixed amount, you give as much as the elderly want, and never refuse."
"Given the host's family situation, it is not suitable for her to take out a loan to buy a big house, it is not suitable for her to have a second child, and it is even less suitable for her to be a full-time wife. The host has done everything she shouldn't have done."
"Mistakes accumulate little by little and finally become the last straw that breaks the camel's back."
Zhu Xiuhua wanted to refute, but the facts were in front of her, and the results of doing whatever she wanted were really not good. She looked listless, with confusion in her eyes.
In an instant, a flash of inspiration came to me.
Zhu Xiuhua perked up and asked hopefully, "If I want to start a business, will you guide me?"
In her opinion, she has been staying at home for many years and has forgotten all her professional skills, which makes it difficult for her to find a job. It would be great if she could start her own business and become a boss.
On the other hand, with the help of the system, she will definitely be able to make her business flourish. By then, let alone paying off the mortgage, even buying a few more houses with full payment will be no problem!
The more Zhu Xiuhua thought about it, the more excited she became. She couldn't wait to roll up her sleeves and get to work.
Looking at the host, the man in the suit fell into a suspicious silence.
"Why don't you speak?" Zhu Xiuhua wondered.
After a long while, Yun Luo said, "I know which industries are more likely to succeed during an economic crisis."
"But when it comes to starting a business, some people can do it well, and some can't."
"It doesn't mean that once the system is in place, everything will go smoothly for the host."
Zhu Xiuhua thought, if others can do it, why can't she?
But when the words came to his lips, he suddenly remembered that Zhang Yan was a programmer, and his family was similar to theirs. He lived a prosperous life and was not worried about being fired by the company. But after losing his job, his family was in a desperate situation and extremely anxious.
It can be seen that there are indeed differences between people.
She didn't dare to say anything, and just said, "Tell me about it, maybe it can work?"
Yun Luo said, "First of all, the luxury goods industry is not affected because the economic crisis affects the middle and lower classes the most."
"Secondly, the leisure and entertainment industry is booming. For example, lipstick, skin care products, games, and movies. These leisure and entertainment products are cheap and can give people great comfort during the economic crisis, so sales are rising instead."
"In addition, the economy is bad and the poor need to be frugal, so the second-hand market is particularly prosperous. If there is a channel to wholesale affordable goods, such as clothes with a high cost-effectiveness, business will be good."
Finally, Yun Luo concluded, "Even if you have the opportunity to work in these industries, it still takes 90% hard work and 10% luck. If you are unlucky, there is still a risk of failure in starting a business."
Zhu Xiuhua felt that the system was being overly suspicious, and she had no way out at all...
There is no capital, no connections, and no guarantee of supply. Starting a business is like throwing money into the river.
At this point, Zhu Xiuhua finally gave up on being her own boss. She hung her head, dejected, "If I don't start a business, how can an unemployed person like me who has been working full-time at home for four years find a high-paying job as soon as possible?"
Yun Luo: “Sales.”
Zhu Xiuhua was slightly stunned. After thinking for a while, she asked, "Apart from sales, are there any other options?"
Yun Luo: “No.”
Yun Luo: "The threshold is low, the income is high, and the work is easy. Such jobs do not exist during the economic crisis."
Yun Luo: "Even if it exists, it is not the host's turn."
Zhu Xiuhua was speechless.
After that she fell into deep thought and didn't speak for a long time.
Yun Luo: "You can either work hard to make money and ensure that your capital chain is not broken; or you can give up and sell the house and live a stable and peaceful life from now on."
Yun Luo: "You can't have your cake and eat it too. The host must make a choice."
Zhu Xiuhua was upset, "Why isn't there a better choice!"
I am reluctant to sell my house, but I am not confident that I can get a high salary as a salesperson, so I am in a dilemma.
"Because the host enjoyed luxuries that he couldn't afford. This is true for houses, second children, and being a full-time wife." Yun Luo told the host, "You enjoyed things you shouldn't have enjoyed in advance, and now it's time to pay back the debt."
Zhu Xiuhua felt a pain in her heart when she heard this.
"Let me think about it." She was unable to make a decision.
Yun Luo reminded, "The host had better make a decision as soon as possible. If you delay for too long, life will force the host to make a choice."
I have to pay 8,000 yuan in mortgage every month. After a few months, I still haven't found a job and I'm out of money. I have no choice but to sell the house.
Zhu Xiuhua's heart tightened and she became more anxious.
**
A week has passed and the insurance payment has not been delayed, and the relationship between the couple has reached a freezing point.
Jiang Guoyun's face became uglier day by day, and he almost directly scolded his wife for ignoring the overall situation.
At this moment, Zhu Xiuhua approached her husband and asked, "Let's talk?"
Jiang Guoyun couldn't wait any longer, "You say."
Zhu Xiuhua's face became serious. "I thought about it again and again, and I feel that the house cannot be sold. After selling it, where will our family of four live? What should we do with the lost money? It's not worth it."
If the house is not sold, the family will have to pay back 8,000 yuan every month! Where does the money come from? Jiang Guoyun questioned.
"I've thought about it. Let's all go out and find a job." Zhu Xiuhua gritted her teeth, "Don't set your sights so high. The economy is in a downturn recently. It's hard to find a job with an annual salary of 300,000, but you can always find a job with an annual salary of 200,000."
"As for me, I plan to be a car salesman. Calculating the salary and benefits, it will be about 80,000 to 100,000 yuan a year."
"That way, the two of us would have about $300,000 combined, and we could live like before."
Jiang Guoyun's expression eased a little, "If you are willing to go out to work and fight hard, that's good."
The next second, he changed the subject, "But you still have to pay for your parents' insurance. If you miss this opportunity, you may not be able to pay in the future."
"You can help pay for the insurance, but you have to subsidize my parents-in-law 2,000 yuan and my mother 1,000 yuan every month. We won't take care of anything else." Zhu Xiuhua took the opportunity to make a request.
"How can that be possible!" Jiang Guoyun objected subconsciously, "I am the only son of my parents, how can I ignore them?"
Zhu Xiuhua calmly analyzed, "After paying the social security, the total pension for the two of us will be 1,500 to 1,600 yuan. Add another 2,000 yuan in subsidies, and the total will be 3,600 yuan, which is more than enough to cover living expenses."
"If you want to travel, you can work outside to save money and go out every six months or every year."
"If you have other requests, such as buying a gold bracelet, we don't have the ability to help you."
Jiang Guoyun said nothing.
In the eyes of his parents, he is undoubtedly extremely capable.
He was unwilling to break his parents' expectations of him.
Seeing her husband remained silent, Zhu Xiuhua became annoyed. "You have to raise both the children and the parents. Can you afford it? How come you still can't see the situation clearly now?"
In the past, all the money in the family was earned by her husband. As a full-time housewife, even if she was dissatisfied, she couldn't say it out loud.
She would not be happy if they both earned the family money in the future and let her parents-in-law spend it as they pleased.
Who has pension insurance but still insists that their son support it? I have never heard of it.
Knowing that their children's financial situation is average, many parents go out to find jobs to help their sons support the family.
The conditions have been laid out, and now it is Jiang Guoyun's turn to be hesitant.
He scratched his scalp with a distressed expression, "Didn't we live like this in the past? Why can't we live like this now?"
Zhu Xiuhua thought, isn't that nonsense? I earned 300,000 yuan last year, and 200,000 yuan next year. With less income, there is naturally less to squander.
And the share she earns... Doesn't her son and daughter have to pay for interest classes? Where does she get so much spare money for the elderly to travel!
The two sides argued back and forth.
The situation is at a stalemate.
In the end, Jiang Guoyun gave in. "Mom and dad are short of money right now, so they should save money. When the environment gets better and their income increases, I will give them more subsidies."
This is good enough. Zhu Xiuhua was finally satisfied.
The author has something to say:
During the economic crisis in the United States, ordinary people——
I know 3 trades (I am familiar with three industries)
I speak 3 languages
Have 3 children
And no work for 3 months
But I ONLY Want One Job
**
Luxury goods industry: mainly engaged in perfumes, handbags, clothing and other well-known brands, sales can basically remain stable.
Leisure and entertainment industry: The film industry has been pretty good in the past two years. The quality is excellent and the box office is booming, not to mention lipstick.
Affordable industry: Pinduoduo is developing rapidly, and the overseas Uniqlo also started in this way
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