Rebirth and making money first
Chapter 164 Spending money is also a skill
After careful consideration, Zhang Zhi finally decided to move back and get a three-bedroom apartment. She chose a 120-square-meter apartment and worked hard to find the necessary funds on her own. However, the process wasn't smooth sailing. Her sister, Zhang Jing, refused to lend her money, and out of spite, she refused to send her child to her. Consequently, Zhang Zhi had no choice but to temporarily leave the child at her sister-in-law's house for meals.
Although the little girl was still young, she had her own unique taste preferences. She wasn't very satisfied with her aunt's cooking, always complaining that it wasn't as good as her aunt's. After hearing this a few times, my sister-in-law got angry and told her to eat at her aunt's house if she didn't like the food.
Naituanzi was immediately delighted and ran back to Zhang Jing's house every day. Whenever Zhang Zhi came to pick up the child, she would just stand outside the door, calling Naituanzi's name, and never set foot in Zhang Jing's house. She wanted Zhang Jing to know that she was still angry.
Zhang Jing had no complaints or resentment towards this mischievous yet adorable little one. On the contrary, she treated the child with the same care and concern she always had. Now, Naituanzi was over three years old and starting to become more sensible, occasionally even helping to look after other children. As for Zhang Zhi, Zhang Jing felt she didn't need to pay any attention; she was quick to understand the situation.
Zhang Yongle specially bought a double stroller to make it easier for Zhang Jing and her family to travel with their two young children. Every day after dinner, Ah Chen would carefully move the stroller downstairs, and then Naituanzi would be in charge of watching over it.
He and Zhang Jing, each holding a baby, slowly descended the stairs. Then, the family would leisurely stroll through the neighborhood, pushing the stroller and enjoying this warm and beautiful moment. Meanwhile, his sister-in-law would also bring their son, A-Zong, out to play.
Four innocent children gathered together, as if the whole world was their playground. They played and laughed to their heart's content, their laughter echoing in the air. Meanwhile, the adults sat together, their main topic of conversation still being the relocation.
Zhang Jing was surprised to discover that many of her neighbors had already decided not to move back, as everyone had their own plans. Many had changed their minds, and even more surprisingly, some residents had already left.
Even the kindergarten is preparing to move to a new location after the New Year. It is said that the new campus there is undergoing intensive renovation work. I believe that it will soon be able to welcome children with a brand new look!
His mother ultimately chose to compromise first. She picked up the phone and called her son. Her tone was filled with concern, and she engaged in a long and earnest conversation with Zhang Xiaobing. After this in-depth discussion, Zhang Xiaobing hung up the phone and turned back to his wife for a detailed discussion.
After careful consideration, they made an important decision: to keep the shop in their hometown unchanged and continue to collect rent from it; at the same time, Zhang Xiaobing was willing to exchange the shop in Huizhou with Zhang Jing for her resettlement house in her hometown.
However, due to the price difference between the two, they agreed that Zhang Jing would compensate Zhang Xiaobing 20 yuan as a symbolic gesture. Zhang Jing felt like the beads on Zhang Xiaobing's abacus were about to fall on her face. Surprisingly, her mother agreed!
Although Zhang Jing agreed, she hesitated out of fear of further loss, saying she needed to think it over. Finally, Zhang Xiaobing couldn't wait any longer, and after much deliberation, he decided to move back to a smaller, two-bedroom apartment.
This decision was actually made under the strong persuasion of my mother, because my mother believed that if one day I had to return to Shenzhen for the New Year, at least I would have a place to stay and rest.
When Zhang Jing heard the news, she was surprised to discover that Zhang Xiaobing had chosen to relocate to two apartments. Both were over 50 square meters. Surprisingly, Zhang Xiaobing claimed he would rent out all of them.
Even the Yiwu shop they had originally planned to exchange for their property was no longer available. Zhang Xiaobing and his wife then decided to return to Yunnan together, stop working, and live a leisurely, carefree life.
At the same time, he planned to rely on the rent collected from the family shop to make a living. Although his mother was angry, she could not stop him.
After learning of this series of unexpected events, Zhang Jing was completely stunned. She felt as if she had been thrown into a completely unfamiliar world. Everything that was once familiar seemed to have become blurred, and those once unshakable cognitions and concepts were now like fragile glass, shattering into countless pieces in an instant.
Despite her shock, Zhang Jing didn't let herself get lost in the confusion. She took a deep breath and tried to calm herself down. She knew that if she wanted to survive in this unpredictable world, relying solely on past experience and knowledge was clearly not enough.
Almost instinctively, she decided to be proactive in responding to these changes, just like everyone else. To better understand her situation and get more professional and practical advice, Zhang Jing made time to visit two elders, Uncle Zhang and Mrs. Xu.
Upon meeting them, Zhang Jing was extremely humble and courteous, sincerely asking for their advice on her doubts. When Zhang Jing presented Uncle Zhang with her financial management questions, particularly the dilemma of choosing between buying gold and investing in real estate, a sincere and cordial smile slowly spread across Uncle Zhang's face, marked by the marks of time.
He pondered for a moment, then offered his carefully considered advice without hesitation: "My son, in my opinion, investing in real estate is more reliable." Uncle Zhang then patiently explained to Zhang Jing, "The returns from real estate are not only relatively stable, but also show a positive trend of continuous growth! In contrast, gold trading is not that simple."
"It's subject to various factors. Besides, today's real estate market is quite flexible and stable! So, if you want to make more efficient use of your funds and increase their value, investing in real estate is definitely a good choice!"
In response to the same question, Mrs. Xu suggested adopting a diversified investment strategy. She believes that if you have enough funds to buy the entire building, that would be the best option, but if that is not possible, purchasing some high-quality stocks is also a good option, as this could potentially generate decades of long-term profits.
She also emphasized: "Another advantage of buying stocks is that you don't have to worry too much." She then pointed out that Zhang Jing was not smart enough and urged her to pick a stock that would not be delisted within decades, which would be safe.
At the same time, Mrs. Xu said that Zhang Jing would be responsible for managing her future assets and warned her not to overcomplicate matters. "Human energy is limited. Don't be a slave to money; be its master!" This remark woke Zhang Jing up, and she understood.
Faced with the same question, Zhang Jing consulted Zhang Yongle, Director Chen, her parents-in-law, her grandfather, and Li Xiangyue. Each person offered a different and diverse answer, which truly broadened Zhang Jing's horizons.
Zhang Yongle wasn't particularly interested in relocation, preferring direct cash compensation. However, he wanted to hear Zhang Jing's opinions on investment. When Zhang Jing suggested allocating assets between real estate, gold, and stocks, Zhang Yongle immediately asked her which stocks she intended to buy. However, Zhang Jing replied that she hadn't yet considered it carefully.
Director Chen's brows were furrowed when he received the call from Zhang Jing. He was also feeling annoyed. As he listened to Zhang Jing on the other end of the phone, narrating various things, he secretly pondered the dilemma he was facing.
When Director Chen heard Zhang Jing say she wanted to move back to a smaller apartment, he nodded in agreement. He thought this would be a good investment option while also saving some money for other projects.
So, he decisively decided to move back to a smaller apartment, just like Zhang Jing had done. He still needed to figure out how to use the remaining money. But for now, he specifically urged Zhang Jing to involve him if she came across any new projects or money-making opportunities.
Meanwhile, Zhang Jing's parents-in-law and grandfather, after some discussion, finally unanimously decided to move back. They even hoped that Zhang Jing could move back with them so that they could all live in the same unit and take care of each other.
Zhang Jing didn't object to this suggestion. She knew the elders were well-intentioned and that it would only benefit her. Besides, the child really needed help taking care of him.
Meanwhile, Li Xiangyue had made her own choice—she also wanted the resettlement housing. She firmly told Zhang Jing that she was divorced and the child had been awarded to her. Therefore, she needed her own house to provide a stable living environment for her child.
Moreover, this demolition gave her an opportunity to completely break away from the past. Having said this, Li Xiangyue paused for a moment, then continued, "I heard that Zhang Yongle doesn't plan to move back, which makes me feel relieved."
Zhang Jing listened silently to everyone's thoughts and plans, feeling a surge of emotion. She couldn't help but sigh, "Alas, life is so unpredictable! Who could have imagined that everyone's lives would change so drastically in such a short period of time..."
Zhang Jing had a piece of paper in front of her, with four groups of words written on it: savings, gold, real estate, stocks. Her pen flicked back and forth, marking the various areas. Only then did she realize how difficult decision-making is, and how it's a solitary struggle. If she made the wrong choice, it was no longer her responsibility alone.
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