I heard a heart-wrenching saying:
I once thought talking about money hurts feelings, but I only realized after middle age that having no money hurts feelings even more.
used to regard money as dirt, and if you don’t have money, you will be considered useless. The older you grow, the more you feel about this sentence.
Especially when people reach middle age, there are elderly people above to support and children below to raise. Their physical functions begin to decline and the economic pressure suddenly increases.
It is really a world of difference between having money and not having money.
Writer Sanmao said it well: "The comedy in the world can be produced without money. Most of the tragedy in the world cannot be separated from money."
Having money in your pocket and having a number in your card is really important.
01
money is never enough to spend
Recently watched the TV series "Hi Yu's Year Without Work" and was deeply impressed by the encounter with the protagonist He Yu.
She worked in Shanghai for more than ten years, but she was unemployed because she was dissatisfied with the company's transfer.
He Yu originally thought that with the deposits he saved over the years, he could successfully survive the unemployment period.
Unexpectedly, in just a few months, she lost a lot of money in her financial management project, reducing the money she lent to her friends, and the balance in her card was only 60,000 yuan left.
He Yu calculated that the car loan was 20,000 yuan, and then the social security, rent, and water and electricity bills were reduced. These money was not enough to spend within half a year.
In order to make money, He Yu had to interview everywhere, and even went to set up a street stall to make money in the middle of the night.
After she finally paid the car loan, her mother was diagnosed with a malignant tumor.
The hospital urged He Yu to make up for the 160,000 surgical fee within 2 days.
But how could He Yu have so many deposits? She had to sell the car and borrow money together.
I learned that my mother would have to undergo chemotherapy in the future, and the cost was not small, so He Yu was so disappointed that she cried in the stairwell.
When you have money, you feel that nothing matters. When you encounter an accident, you realize that it is really difficult to do without money.
If you get sick, you can experience the helplessness of spending money like flowing water;
If you take a debt once, you can understand the sadness of lowering your head and borrowing money everywhere.
There is a question on Zhihu:
If you suddenly lose your job, how long can your deposit last?
Some people say that it is probably only 2 years, mortgage + parenting + daily life, and basically no money has been saved in recent years;
Some people say that in less than one year, the elderly at home have chronic diseases, and the monthly expenses are tens of thousands;
Some people say that at most one month, credit cards, car loans, and Huabei can cause people to collapse.
The bitterness of having no money is enough, it is enough to eat it once.
Especially for middle-aged people, they have to spend money everywhere, daily expenses, car loans, family health, accident response...
No one hopes that when an accident occurs, even food, housing, and family health cannot be preserved;
No one hopes that when an accident occurs, he will be forced into a dead end and have no chance to turn things around.
There is a saying that goes:
8% of the difficulties in life can be solved with money, and the remaining 20% can also be relieved with money.
When I was young, I believed in happiness first and always felt that talking about money was rustic and vulgar.
and others encountered a nail and fell down after growing up, and only then did they know that the balance on the bank card can really cure all the pretentiousness of adults.
02
Saving money won’t get rich, but it’s really useful
Netizen @ Erhua , who is trying hard to save money, once said about his own experience.
In 2020, she and her family had just finished buying a house and suffered a salary cut. They earned only three or four thousand for three consecutive months.
But their family only has a mortgage loan of 7,500, and this income is not enough.
A friend in Beijing, her family is too poor to lose money because of work and wages.
She was also scared as she watched the deposits at hand decrease day by day.
After this experience, no one dares to spend money indiscriminately.
Erhua told his family more than once that expenses that are not urgently needed should be spent less.
So in the past two years, everyone has worked very hard to save money.
Recently, family income has been affected again.
But everyone is no longer as panicked as before. After all, with a deposit of 500,000 yuan in hand, I can still hold on for a while.
Erhua said:
"Save money is not to not spend money, but to spend money when encountering situations.
If we encounter bad economy or no income, we can have money to eat and repay loans. At critical moments, we can still save our lives.
When I heard that many people have become difficult for their unemployment during this period, I am really grateful for my efforts to save money."
Life is not smooth sailing. When we encounter a blow, some people's lives are forced to press the pause button, but some people quickly recover as usual. What is the difference between
?
depends on the number of deposits at hand.
It means that when an accident comes, it can resist risks and have a guaranteed life;
It means that when an accident occurs, it can only be swept away by the storms of life, without any choice.
In a time of uncertainty, if you have surplus food in your hands, you will not panic.
As the famous British writer Maugham said:
Of course, what people pursue is not all wealth, but at least they must have a life that can maintain dignity so that they can work without obstruction, be generous, cheerful, and independent.
Those things that are saved bit by bit are not just money, but also the right to choose life.
The number on the card will increase, and the sense of security in my heart will increase.
03
Desire downgrades, happiness can be upgraded
Once read a message from a netizen, she divided her experience of managing money into 3 stages:
The first stage is 2-3 who just worked. In 2019, I didn’t make plans, had no deposits, I only knew how to travel around and eat and drink;
The second stage was when I became a house slave and started saving money to decorate and buy a parking space. At the most exaggerated time, I stir-fry a plate of vegetarian dishes with white rice every day, and my life was tight;
The third stage was when I gave birth to a child, I had a sense of crisis, and I had a fixed monthly deposit, and I had simple food, clothing, housing and transportation.
This netizen said that after getting used to minimalist life, she had long regarded jewelry and luxury cars indifferently, and felt that she was already very happy to have a house, a car and a home.
Many people always think that saving money means saving money and living a stingy and aggrieved life every day is not the case.
I have seen a happiness formula : Happiness = ability ÷ desire.
On the basis of the unchanged ability to make money, "degrading" the desire for consumption can also achieve financial happiness.
So, how to reduce the desire to consume and achieve happy savings?
3 suggestions for everyone:
. Forced savings In real life, many people have tried "save", but because they have not taken "forced" measures, they often cannot persist.
If you want to achieve forced savings, you can actually use some gadgets to achieve it.
For example, Ant Star wishes that set Alipay will automatically deduct a certain amount of money every month, which is simple and fast;
or set the amount of "bibi save". Every time you buy something, you will deduct a sum of money from the card to Yu'ebao . Over time, a considerable amount will be saved.
2. Don’t consume
When encountering some promotional activities, many people will not be able to help but shop around, so they end up buying a bunch of unnecessary things. What should I do if
?
can set a "buffer period" for your purchasing behavior, delay consumption, and do not be impulsive.
What you like can put it in the shopping cart first, and then check it out every once in a while. If you really want to buy it;
or set a "Taobao budget" for yourself, such as spending 1,000 yuan a month, and it will stop using it. In this way, you will weigh the trade-offs again before buying things.
3. Formulate a financial plan
One of the major reasons why you can’t save money is that you don’t understand the allocation of funds, so that your family’s income and expenditure are chaotic and you have no clue when dealing with it.
In fact, there are many interesting and scientific financial management methods available on the Internet.
For example, 1234 method of saving money:
0% of the money is used for living expenses within 3 to 6 months; 20% of the money is used to purchase insurance to resist accidents and diseases;
30% of the money can be bought stocks, funds , etc. These high-return investments help the rapid appreciation of wealth;
40% of the money is used for stable financial management projects such as savings and treasury bonds, and achieve guaranteed value-added.
There is also 333 method of saving money:
Divide income into three equal parts according to savings, living expenses, investment and financial management. Save money first when paying wages, and then consume to avoid not saving money in the end.
04
There is a question on the Internet: What is the most correct view of life for a person?
very much agrees with the psychological counselor @Tang Ruo said:
Put your gaze and make money well. If you don’t have the ability to make money, then control your desire to spend money.
Yes, life is very expensive. No matter when, don’t forget to be careful and save money.
Don’t believe in consumption first. No matter how glamorous a life is, it is not as rich as the account, and it makes people feel more at ease;
Don’t be a fantasy thing you say. No matter how much you comfort yourself, it is not as good as having a picture in the card, and it is more realistic.
The greatest responsibility for life is to leave a way out at any time, be able to resist risks, and protect yourself and your beloved.
Even if you only save dozens of yuan a day, you will feel more and more confident in your heart as the balance in the card becomes more and more.
In the last month of 2022, I hope we can all work hard to see money and work hard to make money and look at it with great strength.
There is no shortage of money in the card, no insomnia at night, there is light in my heart, there is someone around me, there is money in my pocket, I am happy and happy, go home for the New Year.
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