The husband and wife from the hometown of Hanoi have settled down, white-handed and have low wages. Nguyen Thi Thu Nga, 33, of Linh Dam, Hanoi, has been working together to build and buy a 57m2 apartment. Here is Thu Nga's spending experience: I came from Bac Giang, went to Hanoi to attend pre-college and graduated in 2006. I go to work as a teacher with salary of 600-700 thousand dong per month within a year then quit my job as a tour guide. With a salary of 50,000 VND / day. Do this job a year, I rest and go to the office of travel company, earning administrative salary. Since then, I have switched to several companies because of two births and leave work.

                                             
 
Although not high income, but thanks to the collection, Nguyen Thi Thu Nga has bought a small apartment and care for the family well. 
 
I got married in 2009, my husband is a geological mine engineer, no fixed fixed salary, no commissions. Both families have no conditions, no support in spirit. Therefore, I always determine, must be clever to hope for a good life.
 
After marriage, my wife and I still live in the 9m2 motel that I stayed in as a student. The place is cramped but the landlord is very good, many times willing to pay me a few months rent deficit and the price of only 900 thousand in 2012-2014. The room is crowded, the roof of the house, the heat of the summer, sometimes my wife and I have to put some water towel so that the child can sleep well. Maybe love her parents hard, despite the difficult living conditions, you grow up healthy.
 
Learning by my mother, I had originally saved like this:
The fixed expenses I set out separately: rent, utilities, school fees, daily meals ... are virtually unchanged, . After deducting extra money is not fixed as the phone, car to the countryside ..., how much surplus I left for a full gold only to buy for storage.
 
At the end of the year with a 13th month bonus or something else, I consider that money is not relevant to my daily life and to my savings book.
 
At any high gold price, I do not buy gold but collect money into a bank book: usually each book is 5 million, 10 million, 15 million ... These books often leave long term interest rates. . Each time I withdraw the end of the deadline I leave both original and interest and then add to the book volume.
 
In addition, I sell on the net a lot of home specialties such as noodles, handicrafts, interest is not considered any money and savings are not.
So, with the total income of the couple from 10 million to now is about 20 million per month, by 2014, I contribute more than 260 million, a little gold and a little bit of dollars left over from time to time. Travel lead, the total is also more than 400 million. I sell all, enough to pay 2 times the purchase of 57m2 commercial apartment on the Linh Dam, more than 900 million. In 3 installments, I borrowed 30 trillion dong from the bank. By the end of 2015, I was able to get a home, reducing my monthly rent.
 
Currently, I pay $ 5.5 million a month for my mortgage, $ 3.5 million for a son, an 8-year-old, a 3-year-old, $ 3.5 million. With the exception of 500,000 VND for electricity, gas, telephone and tea, 3-4 million VND for the whole family (the couple have lunch with the company), one million Still worth 4-5 million.
 
Up to now, I have had dozens of savings books, each of 5, 10 or 15 million, are leaving interest at 7.6% per annum while home loan debt interest 5.0% per year. The interest rate is so I do not intend to withdraw the savings to pay off early, that money I plan to spend more business later, while still defaulting on repaying the home for 10 years.
 
My husband and I do this in part thanks to his loving wife and children, to work is to pay all wives, do not play by evil or peer friends.
 
Now my family's life is stable, I still have money to spend, traveling every year (every time I go away I always hunt for 0 dong), sometimes spend the rest of the week to play, This restaurant is not too expensive because I usually buy liquidated discount vouchers or pepper when getting bonuses from guests for travel company employees. Nowadays, many illnesses, the future is unpredictable, so saving for emergency room is a must do, but what to spend, from eating, health to enjoy family time together, I still try Say, whichever item.
 

 
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