Many people are not rich. Many people spend years just for a house, many people live in the houses of the rich, but do not own houses themselves. This is due to their mindset. From the perspective of the average income class and ordinary people, the poor increasingly believe that even if it takes a lifetime of effort to own a house, it's worth it! The housing philosophy of the poor serves to boost morale: dedicating one's entire life to securing a place to live; the housing philosophy of the poor isn't about buying and selling immediately, but rather focuses on being a part of the local community for those who come from elsewhere.
Spouse Philosophy
Whether you are single or in a mutual agreement with another, one party must have a stable income. This is the capital that ensures one party can fully commit and move forward fearlessly.
No matter how much, this stable income is the "spark" that allows you to achieve your lifelong aspiration.
Harmony Philosophy
Arguing is not conducive to obtaining your own house. Many families often argue when buying a house. Besides damaging emotional bonds, arguments also affect home-buying decisions, leading to impulsive actions that result in becoming a mortgage slave. Harmony facilitates both parties in jointly planning for a housing reserve.
Borrowing Philosophy
Many homeowners use every means possible, saying all sorts of nice words, making all kinds of promises, just to secure a house of their own at an inappropriate time. This approach is not advisable. The borrowing philosophy I refer to involves borrowing only when necessary. After completing your home-buying plan, if you're hesitating near the sales office, you can then use every trick in the book to borrow money. Since you haven't asked for help frequently in normal times, you'll often find clever solutions in urgent situations, and cleverness can be exchanged for money.
Hardship Philosophy
For a bright future, you must give up the warmth of the present, including renting as well. This hardship requires careful consideration, including eating simple dishes, wearing coarse cloth, sleeping on worn-out quilts, eliminating children's competitive and wealth-comparison mentality, and educating them about proper wealth and poverty views. In other words, apart from forming a healthy psychology for the child and maintaining a good learning environment, everything else should be admired but not possessed, looked at from afar but not lingered upon.
House Selection Philosophy
When you have unified your family and country, built a harmonious household, and fulfilled your child's educational aspirations, the remaining task is to apply your insights to the reality of finding a suitable house.
Second-hand houses are the first choice. Firstly, the landlord is usually easier to deal with than developers. Secondly, older second-hand houses often have advantageous locations. Thirdly, there are second-hand houses that need to be sold quickly, allowing you to negotiate a bargain. Fourthly, renovation costs can be minimized and postponed until the child grows up or when you have extra money.
Defective houses are the first choice. So-called defective houses are those that have obvious shortcomings, but don’t mistake houses with unreasonable layouts but numerous rooms as good houses. To put it plainly, planned-era houses are most suitable for the poor to live in. Generally, they lack complete living and dining rooms, but through the clever arrangement of a two-person world, these shortcomings can be turned into advantages. You can combine the work area, office area, and dual halls into one, creating a spacious multi-functional cozy home. Moreover, defective houses are often located in earlier residential areas, where you can use equipment abandoned by society, such as gas tanks and bay windows.
Crowded areas are the first choice. A large population is a good thing, as配套设施 (facilities) are worry-free, general consumption costs are much lower than in central business districts, and some large residential areas have educational facilities targeted at ordinary people, with various costs being generally lower.
Verification and consultation are essential. As you dedicate your entire life to fulfilling your dream home, there can be no falsity involved. Verify all documents, consult to identify non-complete property rights houses, familiarize yourself with the charges at each stage, and save every penny where possible—this is the true skill of managing finances when you're poor.
If you confirm that you are poor, here's one more piece of advice: don't feel inferior, and don't let your emotions affect your children. Having a place to live is better than having none, and having a place to stay is stronger than having no job. Having a shelter allows for better education and self-improvement for yourself and your family.
Believe in yourself, and everything you need will eventually come to you.