There is a very common phenomenon in today's society, that is, young people like to overdraft tomorrow's salary to buy today's happiness.
Always indulge in early overdrafts and enjoy the pleasure in advance.
However, this is only temporary, and doing so is tantamount to digging a big pit for yourself, although this pit is not visible now, but it will always come, and when it really collides, it will be too late to clean up.
Xiao Xu is 27 years old this year, and now he is still a rare "moonlight family", working very hard every day, a month down, the salary is not low, and he can save a lot of money in a month.
It is reasonable to say that it will not be spent in a month, and later learned about his situation to know that Xiao Xu not only has the habit of smoking, but sometimes wants to encourage him at night
Hard-working self, rubbing a late-night snack and drinking, and not forgetting to call some friends, so that a month's salary will bottom.
Later, I heard that Xiao Xu and his family quarreled, it turned out that the family was urging Xiao Xu to get married, Xiao Xu himself was a little distressed, there was nothing to get his hands on.
Usually, I have to live and live, and my life is quite "exquisite", but the future is very bone-chilling.
Xiao Xu also regretted it, saying that he only wanted to enjoy it at that time, and did not know that he would face so many problems in the future.
Many people think that one piece or two pieces, dozens of hundreds of deposits, what is the use?
Such a little money will still have to be spent after all. It can only be said that superficial people think so.
As the saying goes: "Without accumulating silicon steps, there is no way to go thousands of miles, and there is no way to become a river without accumulating small streams." ”
If you can save a dozen yuan a day, after a year, is the amount of money increased in an instant. Not to mention the people who squander a lot of money, a day can not only save so much.
People who can't save money have such a characteristic, that is, they don't have a long-term vision, they don't pay attention to details, they always feel that they are coming to Japan for a long time, pay attention to the present, and live well now is the most important thing, a little money is spent, and it can't make any impact, if you do it every day, then the problem is big.
Such a person can not save money, ordinary life is extravagant, do not pay attention to frugality and learning will not save money, so that if you go on, you will only miss your own life. And learning not to save money, at a critical time, is even more fatal.
Therefore, to develop the habit of saving money is to pave the way for yourself. Many people always feel that it is too humiliating to live such a meticulous life. In fact, calm down and think about the problem, you will find that holding back is one thing, money, not impossible to save, the province must be saved, the fine must be fine.
1. How do I get myself to have a deposit?
When you think about this problem, your head is big, because the children in the family have to go to school, the family has to eat, the parents have to retire, and the utilities, rent, etc. all need money.
Is one month's salary enough to spend? Not in debt is a good thing, where can there be savings?
At noon the day before yesterday, Ami called me in a hurry, she had bought a new house and had already paid a down payment.
The house was not big, only seventy square meters, but for her, it was already very satisfying.
Aramco works in an electronics factory, an ordinary worker, with a monthly income of less than three thousand yuan, a year-end bonus of twelve hundred yuan, and no additional rewards on holidays.
How does Ami save money?
She lived in the factory, saved a rent fee, and ate in the canteen for eight yuan per meal, which was slightly cheaper than the box restaurant outside the factory. Utility bills, more than 20 yuan a month. Although there was a washing machine in the room, she basically didn't use it and was used to hand washing.
On weekends, Ami mostly walks to the neighborhood to see the scenery and rarely goes shopping.
A person, a pot of water, walked all the surrounding landscapes and waters.
Along the way, all the way to take pictures, life is not boring.
In terms of human feelings, Ami has few friends, and she does not go to some places to eat and drink.
Because there are fewer friends, there is less money and gift money.
When everyone complains about the large expenses and low income, Ami bought a house on her own salary, which is really incredible and makes people see her happy future.
Someone said, "Money is not saved." ”
When you hear this sentence, you don't have to be seduced, such a chicken soup for the soul will make you develop the habit of spending money lavishly, and you will become poorer and poorer.
Money, you need to work hard to earn, but also need to work hard to save. Leaving money in your own bag is the wisest thing to do.
2. Saving money is a virtue.
A failed family is not without money, but often has a loser in the family.
A loser will not only make himself poor, but also drag down the whole family.
In some families, their parents are thrifty and thrifty people, and in order to make the family rich, they have thought of many ways. The parents have worked hard all their lives and have hundreds of thousands of savings.
However, the children do not argue, only know how to spend money, never make money, and hate that their parents give too little money.
When children buy a car and buy a house, they are "reaching out to their parents". Children get married and don't go to work. Children have also become parents, and the task of taking children is entrusted to "grandpa and grandma".
The life of children is getting better and better, which is a sign of family prosperity. If the children are lazy, it is useless for the parents to work hard.
If the family is diligent and thrifty, then the family will become more and more prosperous.
The family's savings are slowly increasing, and the speed at which their children make money is also increasing, and they can cope with whatever happens in the future.
Saving money is a family virtue, and it will also make the family more warm and happy.
There is no mess in the house, make full use of the existing objects, the home will be clean and tidy; the family will live a frugal life, there will be no quarrels in the money, no matter who the money is in, rest assured.
3. Where there is a deposit, there is "hope".
If there was an opportunity to make a fortune, would you seize it firmly?
Everyone has a dream of getting rich, but many people have been dreaming and have not been rich.
Most people, in the face of opportunities, can only "look at the ocean" because he has no money to invest.
For example, on a certain street, there is a very popular shop, and the boss wants to go out of town to develop, so he transfers the shop.
Whoever can get the right to run the store can become rich.
However, this shop must have fallen into the hands of "rich people", and those who have no money can only wait and see and sigh.
The transfer of a store can range from tens of thousands of yuan to millions.
Tens of thousands of yuan of deposits, not everyone can have, even if you want to find a way to borrow money, you may not be able to borrow.
When you have money in your hands, you can turn money into capital at any time.
If you have millions of savings, take out more than 100,000 to invest in entrepreneurship, do not worry about the failure of entrepreneurship at all, you can rest assured and bold to break through.
Some people say: When people reach middle age, they spell 'income after bed'.
"Income after bedtime" means that you can make money when you rest at home.
Let's say you buy a façade, you can receive rent at home; you have a deposit and interest all the time.
You have an income anytime, anywhere, isn't such a day full of blessings?
Of course, when it comes to money, you should distinguish between "desire" and "hope."
It is necessary to work hard to make money, but also to control the endless desire to make money, and refuse to be greedy people.
People who are too greedy, no matter how much they earn, will not be happy.
4. Tighten your wallet
In fact, a lot of money, we don't need to spend at all.
Spend money on sinful things, and you don't have to do a single thing.
Let's say you want to buy a dress, walk around the street for a long time, and see several shops.
Good and cheap skirts, you can't see, the main worry about wearing out "too cheap";
Very expensive skirts, more than you can afford, but wearing such a skirt, more face.
Finally, you grit your teeth and buy a very expensive dress for the sake of face.
"Only buy expensive, do not buy the right", such a way of consumption, so that many people have suffered a lot, but do not repent, can not put down.
There are also people who like to disguise themselves as rich people.
Often go to travel, often go to high-end hotels to eat, buy luxury cars to go for a ride...
Unconsciously, the money becomes someone else's, and I have worked hard for many years, but I am still a poor person.
A person knows how to save money, have a deposit, do things to have confidence, encounter some unexpected situations can also be a good solution, will not let themselves have too much burden, saving money is not to let you show how rich you are, but to make your future secure, not to do anything.
Really smart people have learned to live a lowly life.
In this life, the minimalist, man is happy.