Only when people reach middle age and start a family and start a business can they truly understand the meaning of the sentence "When money comes, you will hate less, and poor and humble couples will mourn for everything".
Before getting married, I was used to living a life of lavishness by myself. I was poor, my parents had their own retirement wages, and I was fed by myself and the whole family was not hungry.
My colleagues around me are basically the same age as me, and their salary is not very high, only enough for us to eat, drink and play for a month.
At that time, I didn't have the awareness of saving money, and I could spend as much as I earned. It was not until after marriage and having a baby that I realized the importance of saving money.
I always think that if I saved a "private money" for myself when I was young, I wouldn't be so embarrassed now.
Due to the severe reaction during pregnancy, I chose to resign in order to protect the child at five months.
Without a job, no income, and no savings, my financial independence is an extravagant hope. Every time I see my mother-in-law settle accounts there, I have mixed feelings in my heart. When I was the most sensitive, I always felt that she was deliberately calculating for me. When
was produced, the amniotic fluid was turbid and the eight fingers were cut along the way. After that, the incision was liquefied, and the pain of cleaning the wound every day made tears flow.
A series of unhappiness and depression almost made me collapse. After finally returning home, I was surrounded by trivial things every day, and I became anxious, insomniac, and complaining.
Every time I see a friend, I always want to spit out the anguish in my heart.
I know that if I go on like this, it will be useless. comes to a painful conclusion, and when it is painful to change the past. When my baby was over a year old, I started to keep accounts and finance and generate income from a side business.
01, open source and throttling, two-pronged approach
Frugality is a traditional virtue of the Chinese nation for thousands of years.
Open source and reduce expenditure, start small.
The baby in this period can already walk, and it is not as tired as it was in the early days. In my spare time, I can write to earn manuscript fees and increase my income.
has been able to slowly start quitting diapers, basically no need to wear it during the day. Reduce the adjustment amount of Huabei, and use cash as much as possible for daily grocery shopping, which can effectively avoid impulsive consumption.
Only buy vegetables and fruits for three meals of the day, within two days at most, to avoid waste if you don't want to eat and forget to eat. Reduce the number of large meals out, I have to learn to restrain myself in this regard.
Change the clothes within 4 sets of the current season, and change the problem of pressing the bottom of the box before, and then cut them off later.
02. Start bookkeeping and set a budget. Young people's consumption outlook is not as good as before, and overdraft has become the norm. Almost everyone uses Huabei and credit cards. Without the real feeling of cash transactions, I always feel that I have more money than I can spend, but in fact, I cannot make ends meet every month and constantly overdraft. responded to the phrase "beautiful in front of others, suffering behind others." The role of accounting is to control impulse spending and do everything within our means. has already started a life of increasing open source and reducing expenditure, and the next step is to keep accounts every day, knowing where every point and every transaction is spent. Money is on the edge of the knife, you don't deserve to enjoy life without savings. 03, Wealth management investment, realize the step-by-step growth of funds Note, don't put eggs in the same basket. For me, who just started bookkeeping, the primary task at present is to do a good job of saving money and bookkeeping and maintain a stable part-time income. Li Ka-shing once said: "Not everything in the world can be solved by money, but there are indeed many things that can be solved by money." % worry, talking about money is not tacky at all. Now more and more young people are willing to save, and their financial awareness is gradually increasing. >","state":1,"icon":"https://sf3-ttcdn-tos.pstatp.com/img/developer/app/tt976ce1d10846a114/iconfb03c8c~144x144.jpeg","type":1, "name":"Notes","cover_img":"","inserttype":"single","summarycount":"","errortip":"","showerrortip":"","schematip":" ","showschematip":""}'> (A applet has been added here, please go to the Toutiao client to view) Article source: Suishouji community Linglong A
Set a total spending budget every month to reduce over-consumption. After saving, close Huabei and deactivate credit cards.
The novice Xiaobai is not recommended to enter the stock market blindly, even if it is a fund, try to choose a stable type.
Stocks are not recommended to buy indiscriminately, tuition fees are not enough to pay once.
You can try to invest in the CSI 300 Index Fund. If it goes up, learn more and read more, don't do it.
No matter how much you have to save a part of the money every month, there is no upper limit for starting from 200, as your own reserve.
I hope everyone can become "millions of people" by themselves. Only by improving the control over money can you truly control your life.
Don't be like me, you only know the importance of savings after a "mid-life crisis" broke out. In fact, this evil effect has been planted as early as young.
