Spend, save, invest, and donate money. If you have enough money and manage it wisely, all things are possible. But most importantly, don\’t go into debt.

[There is probably no comprehensive study across social strata on this point. No one knows what will happen. What is being talked about is that people in our country are much better off. On the other hand, it is acknowledged that basic food and housing, including energy, gas, and water, will once again become more expensive . This means that those whose incomes have increased this year, for example, will spend at least 30% more for the same food. This is the harsh reality.

As for the national debt, not much has improved. Improved incomes have improved consumer debt repayment to some extent. Not only are apartments and real estate very expensive, especially in large cities, but the national debt is also very high.

When it comes to mortgages, it is worse for banks. This is because many people cannot get mortgages. This is especially true for the younger generation. The requirements to get a mortgage are very strict.

v Under mortgage lending rules, applicants must have savings of 5% to 10% of the property price (depending on location and bank, plus all banks must thoroughly check applicants\’ income). Nine times the annual net income must not be less than the debt amount. Furthermore, monthly debt repayments must be no less than 45% of net monthly income.

To improve the situation for banks, some banks are gradually lowering interest rates with longer fixed terms (3 to 5 years). It is unclear how long this will continue.

Whether our income is small or sufficient, we must not forget

those who need our help whether it is small or sufficient.

[65] They are not [66] [67] [68] [69] political [70] [71] [72] [73] [74] non-profit [75] organizations [76] [77].

in Various foundations and nonprofit organizations help peopleimprove their health, social backgrounds, and more.

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