This article is authorized to be transferred from: Ten O'Clock Reading (ID: duhaoshu)
Under the epidemic, life is full of variables, and you will ask yourself in your heart: How much money is left in your hand?
I found that I thought I had earned a lot, but I didn't actually save much.
Then the soul asked: Where has all the hard-earned money gone?
Some time ago, there was a discussion on the Internet: Is it normal to have no deposit after 90?
Some people say that today's young people earn less, spend more, and save money with a certain degree of difficulty.
In fact, making money from open source is difficult for most people.
People reach middle age, it is not easy to make money, save more money, after all, it is very expensive to live.
I saw a news.
A deputy director in Beijing, in order to experience the life of ordinary people, decided to be a takeaway worker for a day.
I thought that the delivery man was not simple, just riding a car around, but at the end of the day, I was tired and screamed.
His day went like this:
Due to unfamiliarity with the environment, at first I could not find where the store was; I rushed to get the meal, and I could not rest, and immediately ran to the address of the buyer;
Wait until the noon rush hour, snowflake-like orders fly over, and there is a traffic jam on the side of the road, the order cannot be picked up, the takeaway cannot be delivered, and can only wait in situ.
Even if a meal is delivered so hard, it is fined for overtime.
Originally, there was not much money in a single order, and it had to be deducted.
At the end of the day, Director Wang only delivered 6 takeaway orders and earned 41 yuan.
Finally, he sat on the edge of the road and said bitterly:
"It's really not easy, I feel very wronged."
"I ran for so long today and made so much money, so much worse than my goal of 100 yuan."
"This money is really hard to earn!"
What is even more heartfelt is that at the end of the day, a real takeaway brother said to him:
"You people in the office never know our pain."
When people reach middle age, some people are clean and decent in high-rise buildings, and some people are weeping in the wind and rain.
In this world, after all, there are a few people who are clothed and eating, and most of them are covered in dust and have difficulty making a living.
For ordinary people, it is difficult to make money, and it is even more difficult to make money at a certain age.
Some time ago, a fellow asked me if I had a good job and introduced him to him.
The fellow is 42 years old, and the talent market has come back from a trip and said despondently: The current job is too difficult to find, either say not to be over 35 years old, or the salary is pitifully small.
So a little money, where can you afford to raise a family?
During this time, he interviewed many companies, and one company gave the price slightly closer to his expectations.
It's just that the company hasn't replied for a long time, so within a few days, he still went to a lower-paying job.
There is no way, the daughter of the family is in high school is eating tight, the wife's health is not good, can not be too tired, the family's salary chain can not be broken.
But unfortunately, the second day of employment, the company called to hire, but the fellow had already signed a contract with the current company.
The world is always like this, rich people have more choices, and people without money have no choice at all.
It is often the case that the money has not yet been warmed up in the hand, and it must be used elsewhere.
When people reach middle age, it is difficult to make money, and it is even more difficult to save money.
There is a category of people in life: people who have a hard time saving money are always poor.
They rarely feel the taste of money, so they have some money in their hands, not to save, nor to invest, but to consume immediately.
There is such a psychology in psychology, called "compensatory psychology."
It is said that those who have been indebted to life, when they are a little more generous, will spend money to compensate for their missing life.
"Poor Dad, Rich Dad" talks about the reason why poor people can't get rich, except for the necessities of life, they can't learn to delay satisfaction.
As soon as they earn money, they will immediately take it to consumption, buy a bottle of beer to treat themselves to a hard day, eat a delicious meal and immediately spend the money, or spend the money on a fun project to save their tired bodies.
Worse still, people who are not satisfied will spend ahead of time whenever they have the opportunity.
Once people fall into the quagmire of desire, they are easily swallowed up by desire.
I have a cousin who has been working for many years and has not been able to save money.
When asked where she had spent her money, she said she didn't know, the money was always not enough to spend, and once it was in hand, there was no more. But going to her room was self-explanatory.
The room was piled high with clothes that had been popular before, as well as various bags and shoes. On the makeup table are all kinds of big-name skin care products, a bottle of thousands of that.
In addition, my cousin does not hesitate to eat and use, buying everything and buying the best.
Those who didn't know thought she was either well paid or had a good family. In fact, my cousin is just an ordinary migrant worker, and the family is a very ordinary working family.
Once my uncle suddenly fell ill and was hospitalized, and the hospital told her to pay the operation fee, about 20,000 yuan, she could not get it out.
The bank card did not have much money, and the high amount of credit cards had to be paid every month, so I could only cry on the phone and borrow money from my cousins.
After all these years, my cousin hasn't earned money, of course not. Otherwise, how can you have the money to buy those luxury goods?
In the words of my cousin, when I see others carrying beautiful bags, I want to buy them myself.
Work is very hard, so I always want to compensate myself in various ways, one is for vanity, the other is to satisfy myself.
Therefore, for the sake of immediate satisfaction and desire, I spent all the hard money that had just arrived, and in the end I was empty-handed.
The more people who have not been treated well by life, the more they seek to make up for it elsewhere in order to achieve emotional balance.
Their credo is: There is wine in this day and drunk in this day, and tomorrow is worried about tomorrow.
When they have money in their hands, their first thought is to spend it, enjoy it, and finally enter the dead cycle of no money.
It wasn't until I was upset by money that I realized that saving money is the answer to the adult world.
I also gradually understood that the more money I had, the more I had to find ways to save money, save money, and save money.
At critical times, there is money in the wallet to resist the risks of life; save enough capital to have the opportunity to make money.
The reason you can save money in your hand: either open source or throttling.
When people reach middle age, it is too difficult to make money, and if they can't make money, they have to save money.
Some time ago, I saw a news, 32-year-old Douban female "cut god" Wang Shen ai said that after graduating 9 years, she "cut" two suites from between her teeth.
Wang Shen's love for saving money is very strict.
In order to save money, she never gathers with her colleagues, and rarely buys new products.
The clothes are all old clothes of friends, and the daily necessities are either purchased in groups or with coupons.
Maintaining such throttling, the monthly savings rate reaches 90% of wages.
This way of saving money, most people are generally difficult to do, the purpose of throttling is not to make the life tight, but to live a good life under the premise of not spending money indiscriminately.
Most people can't save money for two reasons:
One is the desire to spend money;
The second is that there is no habit of saving money.
To solve the first point, the first concept we need to understand is that a lot of money is actually not necessary to spend.
Don't believe you open the closet, where there is not lying down, rushing in the discount to buy, not once worn sweater;
The small things bought in order to make up for the reduction are useless to the last time, and they still have to occupy the place.
The first principle of spending money is to pay for the present.
The money spent because of hoarding desires, in the end, is found to be wasted.
Every amount of money we spend is never "spent ahead of time", first of all, we never spend money beyond our ability, and secondly, we try not to pay for the future.
You don't know what will happen in the future, and what you like now may change in a few months.
The second principle of spending money is that practical value is greater than everything.
There is a saying that I think is very appropriate:
"I'd rather spend $2 for something worth $1 but can use than $1 for something worth $2 but can't use."
Things that cannot be used at all, even if they are cheap, do not buy, except for aesthetic value.
Saving money is as painful as self-discipline, and the desire to manage is actually the opposite of human nature.
In fact, as long as you master certain skills, it is not so difficult to save money.
1. Prepare a ledger and start bookkeeping.
Bookkeeping is not an unnecessary thing, it is equivalent to review and reflection.
Record where your money is spent, remember that the money you shouldn't spend doesn't have to spend next time, and correct your bad spending habits.
2. Make a plan to save money
When you start setting up a plan, be sure to let yourself go according to the plan, even if there is a slight discrepancy, it is also feasible to make up for it later.
Saving money is also about methods.
For example, the "52-week savings method":
52 weeks is exactly one year, the first week to save 10 yuan, the second week to save 20... By analogy, 10 yuan per week, 52 weeks can deposit 13780 yuan;
For example, the "365-day savings method":
Prepare a table, in the table according to the number from 1 to 365, according to the corresponding number once a day, the number of money can be random, after saving with color marking, a year down can save 66795 yuan.
There are many ways to save money, as long as you choose the most suitable for yourself, take action, and you will gradually save money in your hand.
I recently saw a picture and felt particularly distressed:
On the one hand, there are elderly people dancing square dances, leisurely and comfortable; on the other hand, there are sanitation workers who have no savings, and the elderly are reborn.
After retirement, people with savings live in good nursing homes, dance square dance, and people who do not have savings have to work day and night to feed themselves.
Life is a long journey, and you have to plan ahead when you are still capable.
Never eat a day's meal and work a day's work.
Making money is a necessary ability for adults, and saving money is an essential cultivation for adults.
When I was young, I always felt that it was cool to make money, it was cool to spend money, and the people who saved money buckled and searched, which was not generous at all.
After getting older, I found that it is difficult to make money, spend money quickly, and the people who save money are open and bright, and they have money in their hands and do not panic.
What kind of life you will live in the future is determined by how much money you save now.
Saving money may not make you rich and free, but it can give you your own roof when the wind and rain come;
Saving money may make you a little uncomfortable now, but it will make your future at ease and calm.
The adult world is full of people who depend on themselves, and there are no people who can rely on themselves.
In addition to relatives, money is the most reliable sense of security.
The reason for saving money is not only to allow yourself to have the capital to be independent and not to rely on others, but also to enable yourself to go further for the ideal in your heart.
The rest of your life is expensive and needs financial support.
Have time to make more money, nothing to save more money.
Click "watching", save more money now, and have more freedom for the rest of your life.
The author | Su Shanshu will not be reasonable, but will only tell stories.