What is it like to have a good hand of cards and be beaten by yourself?'
Chunxiao, a post-90s mother of three children in Chengdu, recently shared her experience.
She and her husband originally had a job, and when they got married, they also bought an 80-square-meter one-bedroom apartment in Chengdu, but three children who had not planned to make ends meet dragged them into a situation where they could not make ends meet.
Chunxiao married and had children at the age of 25, and gave birth to a second and third child at the age of 27 and 29, respectively, and the birth of three children was unplanned.
A family of five with three children, looks warm, but the cost is huge, once she shared her life records online, some netizens commented: Is there a mine in your home?
Chunxiao has no mines, and she and her husband are just ordinary office workers.
After having a second child, they sold the 80-square-meter small house, borrowed some money, and replaced it with a 140-square-meter school district house.
After giving birth to three children, Chunxiao became a full-time mother, and the mortgage and living expenses all depended on her husband's monthly salary of about 3,000 and her mother-in-law's share.
The mother-in-law paid off her mortgage for several months and also withdrew. In desperation, they had to sell the school district house, buy a small apartment of more than 70 square meters for investment, and the family rented a house.
In order to pay for the huge living expenses, the husband went to various platforms to borrow online loans, and the result was that the hole was getting bigger and bigger, and he owed 400,000 yuan in debt.
Helplessly, they had to mortgage the family car to pay off the debt, and Chunxiao had to say goodbye to the life of a full-time mother and find a way to earn money.
She has worked as a micro-merchant and sold baked dim sum, but all of them are unstable incomes.
Now, she takes the children to shoot short videos, make money as an Internet celebrity, and does not shy away from talking to the children about money.
When a child wants toys, she will say bluntly: "The family owes money and has not paid it off, and cannot buy it." ”
She reflected that she and her husband were in a poorer and worse financial situation due to a lack of life planning and financial knowledge, so they should pay attention to their children's sense of money.
She told the two boys: "Pocket money to spend part of it, save part of it, save a little bit of money to accumulate, can achieve greater wishes." ”
After the story was released, the comment area was full of questions about the couple's lifestyle, whether it was marriage or having children, they could not be hastily, and more consideration and calculation were responsible for themselves and their children.
"Financial Management is the Management of Life" said: Financial management, is the management of life, because the essence of financial management is a kind of planning for future life, financial management and every stage of life is closely related.
From the current daily expenses, how to plan emergency funds, to the rational allocation of key links such as marriage, childbirth, education, and pension, it is an integral part of financial management.
In the variety show "Under the Same Roof", a girl who is still in college quarrels with her boyfriend and runs out of the house alone.
Another girl who works in an investment bank said: "I used to argue with my boyfriend and like to run, but now I don't say: Why should I go?" You roll. ”
This is probably the difference between growth and maturity, more and more skilled work, more and more income, more and more control over life, but also more and more confident to maintain their boundaries.
Many people feel that the salary is not much, even if they cut down on food and clothing, they can't save a few dollars, let alone financial management.
In fact, financial management is not the same as investment, it is just a planned, restrained way of thinking, pay attention to this way of thinking, will make you get more than expected gains.
A calculation was made in "Make Good Money": if a family takes out 70,000 yuan a year and then invests at a stable yield of 7%, then 70 years later, his assets are 113 million, which is the power of compound interest.
But compound interest also has to have a beginning, without small accumulation, there will never be a big compound interest.
A person who likes to consume first and enjoy first, at the end of the month, will cry poor, work for a few years, and there is no accumulation; and a person who knows how to restrain his desires and know how to plan his assets will accumulate more and get more time rewards.
Therefore, whether there is a sense of accumulating wealth and increasing your own value has nothing to do with how much money you have now.
Wealth is dynamic, wealth-conscious people, even if there is only a balance of 1,000 yuan per month, will understand and manage it in a long-term period of time, not only to "make money make money", but also to keep your financial situation and lifestyle healthy.
In "Financial Management is TheOry of Life", the author said that if you learn to think about problems from the perspective of "money" and look at the world as soon as possible, you will learn to control money and control life as soon as possible.
When people are young, they must understand three truths:
The first is to face up to money.
Many children are in a vacuum environment of "not having to make their own money" before entering the society, and parents provide us with financial support for life and education, so that we can study with peace of mind.
This also leads many people to enter a state of being kidnapped by consumption after stepping into society: they do not know how to plan money, deal with money, become a moonlight family, use credit cards, spend money, and squander at an age when they should have made money and save money seriously, and then live in anxiety about money.
So, face up to money, the sooner the better.
The second is to invest in yourself.
The so-called investment in yourself is to use CEO thinking to establish a personal brand.
Management master Peter Drucker said: "The life of personal expertise is much longer than the life of the enterprise, and the individual's style and ability to form characteristics and make themselves have irreplaceable value is the key to establishing a personal brand." ”
Investing in ourselves requires us to treat ourselves as assets and continue to increase in value, which is also an investment thinking.
The third is to grasp the time.
No matter what kind of environment we are in at the moment, what kind of education, the family conditions are good or bad, whether the talent is outstanding, it does not matter.
What you value in front of your eyes may become an after-dinner joke after many years. The road ahead is still a long way off, and time is your greatest asset.
From now on, consciously plan your life and manage your life, and only then will you be able to control your life.
Wilde said: "When I was young, I thought that money was the most important thing in the world, and now that I am old, I know that this is indeed the case." ”
When I was young, I always thought that "life must be full of joy", I thought that "a thousand gold is scattered and returned", there are many opportunities in the future, and now I do not enjoy life, I can't walk when I am old, and I can't enjoy it when I have money.
People find out in middle age that the older they get, the heavier the burden on their bodies, and most people are in fixed occupations, earning a fixed income, and there is no legendary opportunity for sudden wealth and wealth freedom.
Young adults are the best stage to accumulate wealth, and most people are busy enjoying life and waiting for their money to think about financial management.
People have different financial planning guidelines at different ages:
18-22 years old is the thinking formation period, at this stage, the most worth investing in yourself. Have financial thinking, do a good job of open source and throttling, and prepare for investment and financial management later.
22-30 years old is a period of rapid appreciation, but also the golden period of life and career, at this stage, salary is the most important source of income, self-investment is still the most important thing, every month can come up with a fixed number to invest.
30-50 years old is as stable as The Taishan period, there are old, there are small, the most important thing in this stage is stability, stable life, stable career, stable financial situation.
Over 50 years old entering the laughing life period, may face the end of the working life, this stage, the income has no longer grown, health and leisure has become the main expenditure item.
Charlie Munger said: "At some point in my life, I was determined to be a rich man. It's not about loving money, it's about pursuing that sense of independence. I like to be able to speak my mind freely, rather than being swayed by the will of others. ”
Although the success of life cannot only be measured by money, it is impossible to live out the independent value and meaning of life without a solid material foundation.
Author | Kale, write other people's stories well, live your own life.
Image | Visual China, Network (if there is infringement, please contact to delete)