For my plan to change houses, everyone will give some opinions and suggestions!!!!! 15

Let me give you a professional opinion. You only owe 70,000 yuan to the bank, and the monthly payment should not be more than the 220,000 yuan after you, with your husband's income, you should be able to afford it, and it will be less difficult than your house of 220,000 yuan. If you have a provident fund, you can take it out at one time as long as you show the proof of purchase, and you can also make a monthly payment, that is, you can still use more than 400 (the provident fund will increase by about 2%-5% per year in the future, and the region is different), depending on where you are, how the company and bank withdraw the provident fund (each place is different, and even the company is different).

There is one thing to note, whether you are a regressive, equal repayment form of loan, most of the first 2 years of monthly repayment are interest, is more than 70%, the later the interest is less, the more principal, in other words, you re-loan, to repay the interest, so it is a big loss, you calculate how much interest is for 20 years. (Formula: Monthly Payment * Contribution Period * 12 - Principal = Interest Payable.)

Note that the bank has not yet raised interest rates) so that it has become a money-making tool for banks. There is absolutely no need to redecorate the home, buy furniture, etc. Useful ** points, no please comment.

It's okay to use everything that can be used, things, people.

I don't know if you mean to buy a new house, or if you already own another house and then change your living environment?

If you buy it again, it will definitely be a big expense, in fact, it is quite laborious to renovate, and when renovating, you will definitely need to move to another place to live, and it will take a long time.

Of course, if you are a local tyrant, these are not in the scope of consideration, my suggestion is suitable for ordinary families, you can consider renting a place, and then redecorating the house.

Change it, it's as you wish.

IELTS is mainly to do more questions and be familiar with the routine and pattern. The second is to improve the level of English, mainly depending on the score you want to achieve, if you have a high score, I am afraid that the new concept is far from enough.

There should be no problem after completing the exam, pure study abroad is not enough, if you are a skilled immigrant or ready to go abroad to study a technical college, it should be enough.

Sales is a very honing person. Sales is tiring and stressful, and there is a lot of process from not knowing anything at the beginning to being a sales elite. Sales is a kind of training for personal patience, language skills, courage, communication skills, etc. A successful person starts with sales.

Sales experience can't be obtained from others, only by truly experiencing it yourself. Wait for you to truly become a sales elite. Then you won't be far from your success.

There is a lot of mental pressure, and it is also very promising, + expand your social circle It will be very helpful to start a business in the future, if you want to live a quiet life, don't go

1. Pay attention to the key points in class, 45 minutes cannot be all the key points, you must know how to grasp the key content; 2. Have a notebook of your own, remember the key points and notes of the teacher, and pay attention to the combination of tutorial books and school materials, notes and the like when reviewing, and make a key outline for each unit; 3. For your poor subjects, read the book first, don't know how to ask the teacher, this is a more cost-effective way, of course, you can choose to ask a tutor, (if you want to please, don't ask college students, no experience); 4. Always look for exercises that suit you, do a problem, and do it every day (for science); 5. Endorsement every day, (for liberal arts) is not much, the most important thing is to insist: 6. It is best to make a plan every day according to the situation, and take some time to make up for the previous bad subjects or unfamiliar knowledge; 7. Finally, I want to say that I wish you good grades and must persevere, it will be useful, I can't see it for a while, but it will have an effect over time, my previous grades in science were super poor, so I worked hard to catch up, come on!