A story around me
My classmate Guo pestered me to tell stories tonight, telling stories about my uncle's past. She especially likes to hear such "real people's deeds". Is this the gossip mentality of a child?
told one story after another, and I was very divergent. She often talked about the stories of my grandma, grandpa, and uncle when I was a child. She knew several classic stories. If there is a chance in the future, we can discuss it here, if he agrees, haha.
recently found that he has collected a lot of materials. I had dinner with our friends at noon today and collected a lot more. Each one is touching.
Let me share with you something I heard that day. In fact, it is a common thing, but when it happens to friends around me, it is still quite shocking and sad.
M’s family works in L city. In the past two years, due to the epidemic, work has been intermittent...
That day, M’s wife called M’s mother angrily and said: M ran away from home, how will the three of them live if they are left behind?
M’s mother said: What should I do? If only I had money, I could give you some. I just had an operation, so my other brothers and sisters helped me get some of the money.
Poor and lowly couples are in great distress. How did it get to this point?
This story starts from the past two years. Before, they worked in L City, which was relatively stable and the income was good, so they bought a house in L City. Their children must have spent some money on borrowing and studying there...
Later, they gave birth to children. After giving birth to their second child, M's wife cannot go out to work, and M is the only financial source of the family. Later, as everyone knows, the epidemic broke out and M's job disappeared... He must have continued to look for work, but the economic situation was such that there was no stable job and income... Family expenses were very difficult, and the couple often quarreled. , the noise got louder and louder, which was probably the reason why M ran away. I don’t know if my family has contacted M now, but they never did before.
Alas, if it wasn’t really unbearable, he would definitely not be willing to leave home. It's so difficult... I still remember the last time I watched Xiangshuai's live broadcast, she shed tears at one point and said that this year was too difficult, it was really difficult. It's really scary to live in those days when you don't have any food left in your hands and you have no meal left. Now it is said that M’s wife works odd jobs with her children in the supermarket to make ends meet. Believe that everything will be fine. I hope M and the others can get through the difficulties as soon as possible, and they will pass the difficult times. Come on!
sounds an alarm bell
This alarm bell is - fear of risk.
The above story is a typical income interruption risk. Many times we think that everything will remain the same and operate normally. In addition to the fixed increase in age, we also think that the steadily increasing income will continue...
Why do you think so?
Such assumptions (thinking) cannot withstand scrutiny, especially in the current poor economic environment... Internet companies are laying off employees. Aren't these employees excellent? At least they must have been excellent before, and the people who enter Internet companies are not ordinary.
Therefore, I think we need to have a clear understanding:
- We must reduce the proportion of household debt. At present, the majority of expenditures of many families are mortgage loans. Once the breadwinner loses his job, where will the mortgage loan come from? This is a very real problem. If you can't find a job in a short period of time, you can still rely on your past savings to survive for a while. It would be very sad if the family has no savings. What should I do if I really don’t have the money to pay off my mortgage? Well, the bank might take it back. Where can I live?
- I will often think about the day but not the day, and "gather up food widely." may or may not have a future. Therefore, sometimes, you must save some of it to prepare for unexpected needs (children’s education funds, our pensions). Most of my friends around me have the habit of saving, which is really great. , some of them have done a lot of savings insurance here.Insurance is a very good tool, and one of its great features is that it allows you to save money, because the initial cash value is not high, and you know very well that it is not cost-effective to take it out, so you will not feel itchy.
- Prepare a comprehensive protection plan. Of course, the insurance protection plan is of no use in this story. Insurance is not a panacea and cannot cover all risks. But risks such as health and elderly care cannot be ignored. Health risks are low-frequency and high-loss events. Elderly care is like a gray rhinoceros . It comes slowly, but when you get closer, you will find that it is very fierce. Both types of risks can be transferred to insurance companies in advance, getting twice the result with half the effort. Is there commercial unemployment insurance? I haven't found it yet. How to deal with unemployment? First, prepare an emergency reserve fund that can cover living expenses for at least half a year.
- Make a planB for your career. You know , just in case of emergencies, so that you will not be so panicked.
In life, there is no road in vain. Every step counts. Every setback and difficulty at the moment is a test for us. We must grit our teeth and practice in the setbacks and difficulties.
is difficult to pass, but I believe we can do it! come on!
