9x bought a house with billions of dollars in Saigon, revealing how to save money after 8 years of working

By the age of 29, the young girl had fulfilled her 21-year-old dream of buying a house of her own.
Graduating from a university in the US, Tran Thi Hai Ly (resident in Ho Chi Minh City) stayed here to work in the field of training and development. The salary received is quite good, from 1,500 USD/month to 3,000 USD/month. Earning money, the single girl saved about 500 million dong.

“Back home, I used this money to buy a house in a remote province. Within 2 years, this house was valued at almost double, seeing a profit, I sold it. The money from selling that house, I used all of it to buy land and surf a few more times to make a profit,” she shared.

Hai Ly saves money and invests in real estate to be profitable.

Besides investing in land, she earns extra income from freelance work such as teaching and composing music. After 8 years of saving and investing, she has 1.5 billion dong in hand.

Before that, at the age of 21, she dreamed of having a house of her own. When she had 1.5 billion dong in hand, she immediately thought of using all this money to buy a house. After visiting the apartments, she felt the most satisfied and had the most comfortable feeling with the apartment in Binh Chanh district, Ho Chi Minh City. She decided to put down money to buy that house.

This apartment is 65m2 wide and costs more than 2.2 billion VND, excluding furniture. In which, she has 1.5 billion in savings, the rest is a little support from relatives and loans from friends. Currently, she has paid off most of her debt, and it is not worth much. She expects to be able to pay off this debt by the beginning of next year.

This apartment she bought in Binh Chanh district (HCMC) for more than 2.2 billion.

She uses her own things to decorate her house.

Most of the furniture in her house makes use of her existing furniture from before. Part of the décor class she bought on some e-commerce platforms and decorated it herself according to her preferences. Because he is a music composer, there are many types of piano arranged in the living room.

She also said that the living room is the place she feels the most, because it serves her work and also helps her relieve stress and fatigue in life.

In order to save this money, she believes that she was taught a lot about personal financial management when she went to school, so her spending is very clear with her. She often makes a very specific spending plan each month. The money earned each month, she will deduct a fixed amount for eating, going out with friends, shopping, entertainment, education... The rest, she will save and invest in any real estate. movables.

“Depending on circumstances and conditions, I have increased my spending. The rest, most of the month, only spend a fixed amount,” she said.

She said that she still continues to save and invest according to the old method to pay off debt and make further plans in the future.

Having bought a house, she continues to earn money, save and invest. The next amount of savings she will pay off debt and make some further plans in the future.

According to her, for young people, it is only necessary to learn more about personal financial management so that they can better control their own revenue and expenditure. Next, when you have a stable job, you earn a second source of income. After that, you have to set realistic goals for yourself to buy a house and don't be afraid to take out a loan. In the end, we will work really hard, don't be afraid to do this and that over a period of time to achieve the goal.