转帖：How We Paid Cash for Our First Home

NewLynnHse

现在很多人在看房买房，不知道这个在这里行不行的通，参考参考吧。

http://www.foxbusiness.com/personal-finance/2012/01/25/how-paid-cash-for-our-first-home/
比较重要的几点：

We crunched a bunch of numbers and realized that, if we continued to live simply and frugally and worked hard to bring in extra money through side jobs, we could save enough over the course of five years to pay cash for a starter home.

We knew that we could buy a decent starter home in the area where we were planning to move for around $100,000 to $110,000, so we divided $100,000 by 60 (since there are sixty months in five years) and set a goal to save $1700 every month. Because we didn't have any debt or school loans, and because we lived simply and frugally, we were able to live on significantly less than we were making, thus freeing up a good chunk of money to put towards our house savings each month.

We used coupons, ate a lot of meatless meals, shopped at thrift stores, cooked from scratch, brown bagged it, continued to use our old and worn-down furniture, didn't replace anything that wasn't an absolute necessity, limited our going out to eat, only had one car, stayed home a lot, used gift cards from Swagbucks to buy any non-necessities, bought eye glasses from Zenni optical, learned to be content with what we had, and continued to live on a strict written budget.

Meanwhile, we also looked for ways to increase our income.

As our house savings fund increased, we began to get so excited that we kind of went overboard and worked long, long hours in order to meet our savings goal even faster. I wouldn't recommend putting in such long hours, missing so many social events, or sleeping so little, but the effort paid off because, at the end of two and a half years, we paid 100% down on our first home!

The piece ends with the following:

Not having a mortgage payment has freed us to continue to save aggressively toward other goals, increase our spending in areas that really matter to us, and give generously to needs in our community and around the world.

这种紧巴巴的日子可能也不是每个人能接受的。。。嘿嘿

米虫宝宝

看最后一句就知道不用看全文了。。。。

NewLynnHse

米虫宝宝 发表于 2012-3-20 08:14
看最后一句就知道不用看全文了。。。。

哈哈。。。那是我个人的观点啦

米虫宝宝

NewLynnHse 发表于 2012-3-20 08:16
哈哈。。。那是我个人的观点啦

我也不能接受啦。

NewLynnHse

米虫宝宝 发表于 2012-3-20 08:17
我也不能接受啦。

有时候也会想，没有房贷的日子，会是怎样的？{:8_389:}

无过

米虫宝宝 发表于 2012-3-20 09:14
看最后一句就知道不用看全文了。。。。

继续+1.....................

米虫宝宝

NewLynnHse 发表于 2012-3-20 08:19
有时候也会想，没有房贷的日子，会是怎样的？

me too。。。。。。。。。。。。所以坚持买lotto

joanmiao

钱不是省出来的，而且在这边多打几分工好像也多不了太多吧，牺牲掉的是和家人一起的温馨时光，陶冶情操的兴趣培养和身心健康的人际交往，而且通货膨胀的速度，等你辛辛苦苦5，6年攒下来的钱，比起房价或许没有什么太大的作用。

NewLynnHse

joanmiao 发表于 2012-3-20 09:06
钱不是省出来的，而且在这边多打几分工好像也多不了太多吧，牺牲掉的是和家人一起的温馨时光，陶冶情操的兴 ...

那是，要求不同，理财方式不同，就看个人认为付出以后得到的回报值不值得。所在区域的不同，可能这里行不通也说不定。

chang824

十萬塊的房子~真便宜~~

joanmiao

NewLynnHse 发表于 2012-3-20 09:11
那是，要求不同，理财方式不同，就看个人认为付出以后得到的回报值不值得。所在区域的不同，可能这里行不 ...

要是在中国多拿几份UNDERTABLE的钱，那就容易还清了，哈哈哈

Ardell假睫毛

米虫宝宝 发表于 2012-3-20 08:23
me too。。。。。。。。。。。。所以坚持买lotto

+1

不一定会中，但是不买肯定不会中。

开源大帝

接受不了

穷人攒钱花，富人借钱花

小姐靠大款，大款靠贷款

哈哈

阿海

问题是5年后10万的房子变成20万了怎办？

NewLynnHse

阿海 发表于 2012-3-20 10:18
问题是5年后10万的房子变成20万了怎办？

哈哈，那就悲剧咯。。。所以这边可能要用不同的方程式

阿海

NewLynnHse 发表于 2012-3-20 10:35
哈哈，那就悲剧咯。。。所以这边可能要用不同的方程式

存钱一次性买断一个房子是不可能的了。

房价就是被那些愿意贷款的买家提高的。

这就是资本主义，银行和富人就是这样赚穷人和上班族的钱的。

WENDY_NZ

我现在的工资全部用来还贷款就是为了早点还完，好过自己想过的日子。

NewLynnHse

WENDY_NZ 发表于 2012-3-20 10:46
我现在的工资全部用来还贷款就是为了早点还完，好过自己想过的日子。

没有房贷，随心所欲的日子的确很有吸引力。。。哈哈。。。加油啦

+Princess+

米虫宝宝 发表于 2012-3-20 09:23
me too。。。。。。。。。。。。所以坚持买lotto

每周必买```坚持就是胜利哇{:8_485:}

我的小小马甲

阿海 发表于 2012-3-20 10:38  存钱一次性买断一个房子是不可能的了。   房价就是被那些愿意贷款的买家提高的。

+1