"Since I have a baby, my wallet is cleaner than my face."
My best friend said this from the beginning of the New Year to the end of the year. She was the first time she became a mother. Before she was excited for a month, she started to complain that raising children was too expensive.
Take care of your child for one month and work for one year in vain. Milk powder, diapers, baby clothes, shoes, toys, strollers... a lot of things that cost money. In the past, I couldn't understand why there were always mothers complaining about being poor.
It was not until I became a mother that I realized that there were "consumption traps" everywhere. I knew that the baby was not used for the time being, but when I heard that "for the baby's good", I immediately couldn't help but "consumption".
The pictures in this article are all from the Internet, and the pictures and texts are irrelevant to
If you are also a "child raising slave" like my best friend, please note: your life may get poorer and poorer, and you need to wake up in time, otherwise your children will suffer with you in the future.
Several types of families whose lives are getting poorer after giving birth
, Mothers are at home full-time
Many women choose to slowly withdraw from the workplace after getting married and having children and start taking care of their children at home wholeheartedly, among which many new generation mothers born in the 1995 are also many.
"2019 Chinese Family Birth Method White Paper" points out that the proportion of young Chinese parents at home full-time has increased year by year, accounting for 58.6%, of which 82% are full-time mothers born after 1995.
But coincidentally, this type of women are the main consumer group.
They are not ruthless in their children's material life and education investment. They always want to give their children the "best" ones. Others have them, and their lives are getting more and more difficult.
Since mothers are at home full-time, the responsibility of supporting the family is borne by the husband alone, and the original quality of life itself has declined. If you still don’t know how to “increase revenue and reduce expenditure” at this time, you still consume a lot of unnecessary things in order to pursue a “exquisite life”, which will put yourself in a “difficult situation”.
. Family with different hearts from each other
If a family wants to get better and better, it must be together for the whole family to advance and retreat together.
Especially between the elderly and young couples, we should establish a good relationship, understand each other, and help each other. If the elderly ignore their children at all, and do not pay or work in the few years after the child has given birth, it may lead to more difficult life for young children.
If the family's financial conditions are acceptable, you can also hire a nanny or a nanny to help take care of the child after giving birth. Young parents will be much less stressed, and they can go out to work with peace of mind, make money more motivated, and have a higher family's happy life index.
But if the family's financial economy is average, young couples may not have the spare money to ask someone to help take care of their children. We also know that raising children requires financial and energy. Parents are worried about making money to support their families, and they have to deal with all kinds of messes when they get home. You can imagine how tired you are.
If the elderly cannot understand more, they will reach out to ask the children for money and do not know how to save at all, which will make the childcare life worse.
. A family that is not doing its job is
I often hear others say that when you get married and start a business, you will naturally mature after you have children.
But this sentence is correct. I have seen too many parents around me. Even if they have children, they still do not do their jobs. They are lazy at home all day long, and they do not take on the responsibility of being parents at all, and they have no sense of urgency to raise children.
For example, I met a couple before. They had no job since they got married. Their family had arranged their jobs and felt tired after working for a few days, and then they resigned willfully.
Parents always think that after having children, their sons and daughters-in-law should always be calm, but the facts prove that "human nature is hard to change." The couple can still ask the family for "living expenses" with shamelessness, and even say that they are all for their children.
If you have such parents, your life will definitely get poorer and poorer. If you don’t wake up as soon as possible, your children will probably suffer in the future.
Further reading: How to avoid financial distress after giving birth to a baby?
. Make plans in advance, pay attention to financial management
Before having a child, parents should plan their daily family expenses in advance and try their best to save more money.
There is no need to fall into the consumption trap. Buy and buy every day. In the end, I only enjoyed the joy of dismantling express delivery for a short time, but I didn’t save a penny of the money. It was too late to regret it after having a child.
suggests that you can learn more about financial management on weekdays and divide your salary into three parts, one for depositing periods, one for financial management, and the other for daily expenses.
. Reduce investment in parenting and do not blindly compare
Experts suggest that the expense of raising children should be controlled within 30% of the total family income, which can better ensure the quality of life of family members and save a lot of money.
Like when a child was still young, there was no need to buy too many clothes and shoes. You can wear old clothes given by relatives and friends. After all, children of this age are like each day, and too much clothes is a waste.
And choose daily supplies that are within your consumption capacity, mainly safety and comfort. In many cases, it is not expensive, which means it is suitable. Some brands have serious premiums, but the quality is actually quite average.
Furthermore, if you choose an interest class for your child, it is recommended to have 1 to 2. Too many is a waste of money, and secondly, the child has limited energy, and it is likely that he will not be able to stick to it in the end. There is no need for everyone to compare with each other, and you must apply more than others.
. You can find a side job
, for example, delivering takeout, driving a ride-sharing, or doing handicrafts, self-media, etc. Although it will be a little harder, it can also make everyone's life easier. I believe that those who work hard will always pay off.
