Time flies.
Three months later, Zhu Xiuhua continued to improve her professional knowledge and business capabilities, and her performance finally reached the average level.
Only then did she understand why the system suggested that she look for a sales job.
First, top sales talents are always in short supply. As long as she is willing to submit her resume, the employer will be willing to give her a try. In other words, the threshold is low. It is easy to enter, but difficult to become a regular employee.
Second, sales is one of the few industries with a high ceiling. As long as you have the ability and are willing to work hard, the more you sell, the higher your income will be.
Thinking of the huge debts she had, Zhu Xiuhua dared not relax for a moment and worked hard with all her might.
Hard work pays off.
After the probation period, Zhu Xiuhua was successfully converted to a full-time employee. After deducting five insurances and one housing fund, her monthly income ranged from 3,700 to 4,300 yuan.
My income is not high, not comparable to my husband’s, nor does it meet my expectations, but it can at least alleviate some of the burden on the family.
In addition, as of last month, the car loan was finally paid off.
Thinking about the fact that she would have one less necessary expense every month in the future, Zhu Xiuhua immediately felt relaxed all over, and even her breathing became smoother than before.
"This is what others call deleveraging (reducing debt)." Her eyes showed a thoughtful look, "The advice you gave does make some sense. The economy is bad, income is not high, and work is unstable. The less debt the better."
In the past, friends reminded Zhu Xiuhua many times, but she didn't think it made sense, so she just ignored it.
Now that I have suffered enough, I realize that others have warned me long ago. If I had listened to their advice, I would not have stepped into some pits and suffered some sins.
…
Every time Zhu Xiuhua thought about it, she wished she could travel back in time and give that stubborn, self-righteous self a good beating.
Unfortunately, there is no medicine for regret in the world.
She could only secretly feel lucky that she managed to hold on despite the difficulties. If she couldn't hold on, the consequences would be disastrous - this month alone, two middle-aged people were fired and committed suicide out of frustration.
**
evening.
After work, Zhu Xiuhua went to her parents-in-law's house for dinner.
Ever since she started working, Jiang's father has taken on the task of picking up and dropping off his grandchildren, and is currently playing with the children in the living room.
According to Zhu Xiuhua, it's time for Dabao and Class 2 to get some enlightenment, and they should learn Tang and Song poetry, arithmetic and English when they have time.
But Jiang's father didn't think so.
When his grandson said he wanted to play with a remote control car, he happily bought it. When his granddaughter said she wanted a doll, he excitedly paid for it.
Zhu Xiuhua tried to stop him several times, but was afraid that her father-in-law would be unhappy. "If you think I'm not doing well, you can teach me yourself."
The last words went around in my mouth for a few turns and I had to keep silent.
After dinner, Zhu Xiuhua packed the food into a disposable lunch box and planned to take it home for her husband as a midnight snack.
Jiang's mother complained, "We are asked to help take care of the child and prepare meals, but we are only given a subsidy of 2,000 yuan a month. They are really calculating."
Zhu Xiuhua patiently reasoned, "Mom, I'm busy with work every day and really don't have time to cook or pick up the kids."
Jiang's mother immediately asked, "You don't have time, but we two old people have time?"
It's obvious that the mother-in-law is deliberately looking for trouble.
Realizing this, Zhu Xiuhua shut her mouth and said nothing.
Anyway, no matter what she said, the other party could find fault with it and just ignored her.
However, even so, Jiang's mother was still furious and would scold her daughter-in-law whenever she got the chance.
Just at this moment, Jiang's father ordered, "It's getting late, you should take the child back."
Zhu Xiuhua felt as if she had been pardoned. She took the lunch box and called her children to go home together.
As soon as he left the house, Jiang's mother shouted angrily, "What do you mean? I was talking to my wife, why did you let her leave?"
"She has to go to work tomorrow, how can she have time to chat with you?" Jiang's father advised, "That's enough."
Mother Jiang became even angrier, "Okay! You are all in the same group, and I am the only outsider!"
Father Jiang's tone became more helpless. "Aren't you tired of quarreling with others every day just to get more money from your son's family? If you have the energy, you might as well find a job outside."
"He's my son! It's only natural for him to raise me!" Jiang's mother said confidently.
"He has two children to raise, where does he get so much money to support you?" Jiang's father muttered.
If you earn a lot of money, you can't spend it all among several people, and everyone is happy. If you earn less money, you can't spend it happily, and you will quarrel every other day.
Zhu Xiuhua is used to it.
She covered Dabao's ears and asked Dabao to cover Erbao's ears. The three of them turned a deaf ear to the quarrel in the room and walked away.
**
Time flies, and two years have passed in the blink of an eye.
By living frugally, the family paid off their car loan and 150,000 yuan of foreign debt. Then the economy bottomed out and began to pick up.
Zhu Xiuhua could clearly feel that with the same working hours, sales increased significantly. The work became easier and easier, and her income increased every month, sometimes even close to 10,000 yuan.
She was overjoyed and felt more and more that she had chosen the right industry.
At noon, after lunch, Zhu Xiuhua was about to continue working. Suddenly, a man in a suit appeared at the table and said, "I'm leaving."
Zhu Xiuhua paused, not knowing what to say.
She was so busy with work that she almost forgot the existence of the system. When she saw it unexpectedly, she didn't know how to react for a moment.
After a while, he said dryly, "Bon voyage."
Yun Luo: "I'll borrow your good words."
Then the host and the system were relatively silent.
Zhu Xiuhua was silent for a long time before she asked, "Can I ask you a question?"
Yun Luo: "You ask."
"Is it because I offended you in the beginning that you kept it a secret and refused to help me sincerely?" Zhu Xiuhua asked the question that had been hidden deep in her heart, "Why have you provided so little help over the years?"
I kept it to myself in the past because I was afraid of upsetting the system.
Now that they were about to part, she really wanted to know the answer.
Yun Luo looked far away, "It's not that I don't want to help, but the host doesn't leave a way out for himself. Apart from working hard to pay off the debt, the host has no better choice."
"Why don't you guide me to make a fortune and get out of the predicament in one go?" Zhu Xiuhua was unhappy.
Yun Luo: "Investment requires capital, does the host have it?"
Zhu Xiuhua was speechless.
Yun Luo: "Even if it is a good project, you need to buy it and hold it for a long time to make a profit. The host has a lot of foreign debts. Does he have the spare money and patience?"
Zhu Xiuhua was speechless.
Yun Luo: "Since you are heavily in debt and have to pay a large sum of money every month, the only thing the host should do is to repay the debt, save money, and reduce the pressure of life."
"Having a half-year emergency fund and saving 3-5 years of long-term unused funds is the money that can be used for investment."
"Without emergency funds, you need to squeeze out your potential to barely pay off your monthly debts. This state is not suitable for investment."
"Even if there is a good opportunity and the host is informed that there is a small profit three to five months after the investment, the host will withdraw the funds to ease the pressure of life."
Zhu Xiuhua really wanted to say in a tough tone, how do you know if you don’t try!
But in fact, she knew in her heart that the system was right.
She didn't invest any of her money, and she felt it was not enough. If the system provided an opportunity, and she was tempted to move her savings to do something else, it would really put her family on the road to death.
Sighing silently, Zhu Xiuhua felt hopeless about the sins she had committed in the past. "Before you leave, do you have any advice for me?"
She decided she was in great need of system advice.
Tilting his head and thinking for a while, Yun Luo said, "Persist in doing the right thing, and things will slowly get better."
"Learning more about economics can effectively prevent yourself from falling into similar embarrassing situations."
"If you didn't take out a loan to buy a house or have a second child, you wouldn't have to live such a hard life. At critical moments, every decision you make will have a significant impact on your life, so choose carefully when you encounter something."
As soon as he finished speaking, the man in the suit disappeared into the air.
Zhu Xiuhua looked annoyed. "Why did you leave like that? I didn't even have the chance to ask if I should pay off the mortgage in advance when I have some spare money..."
**
【Extra】
The system came suddenly and left hastily, just like a passer-by in life.
Zhu Xiuhua told herself that it was better to meet him than not to meet him. At least after meeting him, she gradually began to have the desire to study and was no longer as muddleheaded as before.
By reading books and asking friends for advice, the door to a new world slowly opened in front of Zhu Xiuhua.
She suddenly realized that many things could actually be avoided if she started learning earlier.
For example, some financial books focus on the necessity of social security and also mention the supplementary payment policy.
If they had known earlier, they would not have shouldered the heavy responsibility of caring for their parents in their old age.
Another example is the rule of three: "Monthly loan payments should not exceed one-third of your monthly income."
For her family, the mortgage alone takes up exactly one-third of their annual income.
Add in the car loan and the monthly subsidy for the elderly, and the budget immediately exceeds the limit.
Once an economic crisis occurs, income is drastically reduced, but the amount of mortgage payments remains unchanged, the proportion increases sharply, and the pressure becomes even greater.
Another example is, "At any time, you should prepare 3-6 months of emergency funds."
This money is also called "fuck you money".
When the boss wants to fire an employee or orders an employee to do something he or she doesn't want to do, he or she can just say "fuck you"!
Then leave cleanly.
As for a family of six relying on the husband's work to maintain a balance between income and expenditure, it is inherently very risky. Once the breadwinner encounters an accident or faces a crisis of unemployment, the entire family will have no ability to resist the risk.
…
After serious study, Zhu Xiuhua greatly enriched her knowledge and could no longer tolerate living in a dangerous family asset allocation.
Emergency funds are ready.
The configuration of the insurance is properly configured.
She plans to invest the money if there is still some surplus in her hands.
In addition, I didn’t have time to ask the system at that time, but now I have found the answer through learning - when the debt is too heavy, repay the debt first; when the debt interest rate is too high, repay the debt first; if you are not good at investing and only deposit money in the bank regularly, the return is not high, repay the debt first; if the debt is not high and the interest rate is low, you can repay the debt on time. The rest of the money can be used for investment to earn more money.
When life was in order and the family's ability to resist risks was greatly enhanced, Zhu Xiuhua felt belated regret in her heart, wishing she had woken up earlier.
I lived in a daze in the past and wasted too much time.
Continue read on readnovelmtl.com
