Many people often say that "money is a bastard, and you can earn it again after spending it". Therefore, if you have money, you will spend it, and you will be proud to be a moonlight clan. However, it is really necessary to wait until the unexpected happens and a large amount of money is urgently needed. You look at your double-digit deposit balance, and then you regret it: no money, it's really hard to move an inch!
Bloody lessons everywhere.
Some time ago, there was a colleague in the unit, his mother suddenly fell ill and was hospitalized, and he urgently needed a large amount of money.
He also has an older brother at home, who is married. However, his relationship with his brother and sister-in-law is not very good, and he basically does not interact much on weekdays.
Now that the old man is sick, it is definitely incumbent on him as a child. After several "friendly exchanges", he and his brother and sister-in-law finally reached a unanimous agreement: both of them will take 50,000 yuan out. If that's not enough, it's apportioned later.
50,000 yuan, is it much?
It's not a small amount, but it's definitely not a lot of money. In these years, the purchasing power of 50,000 yuan is really not good.
This colleague has been working for six or seven years, and the average monthly salary is more than 10,000 yuan.
I haven't bought a house, I haven't bought a car, and I don't have any loans. Moreover, he is still single and has not talked about girlfriends.
In this case, he was dumbfounded. Because let alone 50,000 yuan, he can't even take out 20,000 yuan in his bank card.
Why is it so miserable?
Because he belongs to the kind of person who will never keep this month's money for the next month. Before the salary is paid, he must definitely pay the salary.
Clothes and shoes, almost all of them are famous brands, and the cheapest ones cost five or six hundred yuan a pair. And then the mobile phone, as long as the new mobile phone comes out, he definitely wants to buy it. Even if there is no problem with his mobile phone, he must get the new mobile phone in his hand as soon as possible.
With this concept of expenses, let alone more than 10,000 yuan a month, it is 20,000 or 30,000 yuan a month, and he can't save money.
Because he hasn't encountered anything, this colleague has no idea about saving money. If you ask him to save money, then he thinks that you have an enmity with him, and that you are here to harm him.
Well, now that he has encountered a major event in his life, he urgently needs money to save his life. However, looking at the empty purse, I was really dumbfounded. (The management of financial positions is very strict, and employees are not allowed to have any online loans.) Regular bank car loans and housing loans, allowed)
How did you solve it in the end?
A few of our colleagues couldn't stand it, so the last one scraped together a little money and helped him get together 50,000 yuan and pay the medical bills.
It's really a naked lesson.
There is an older sister in the unit, and she is very angry. pointed to this colleague and reprimanded him, he was about to be 30 years old, and his family conditions were very average. If you spend money indiscriminately, if you want a house or a house in the future, and if you want a car without a car, are you ready to fight a bachelor for the rest of your life?
Although this is a bit ugly, it is very reasonable.
Saving money is really important and can even change a person's life
Like myself, when I first graduated, I was also poor and white. The divorce of parents belongs to the kind where the father does not hurt and the mother does not care. Even the tuition fees for college are earned by my own work-study.
So, I really have a special attachment to saving money.
In the first three years of my work in the bank, my monthly salary was about 10,000 yuan. In three years, I have accumulated 300,000. The average monthly expense does not exceed 2,000 yuan.
I work in a provincial capital, and the cost of rent and bus is more than 1,000 yuan per month. It is no exaggeration to say that in those three years, as long as it was more than 20 yuan, I basically never participated in it.
Then after saving up for three years, I bought the house and made a down payment. None of my colleagues believed in it, and they all thought that it must be the down payment given to me by my family. They agreed that with my salary, it would be absolutely impossible to buy a house.
However, I saved money on my own and bought the house.
Later, I also accumulated little by little, and I didn't dare to spend a penny. Decorating the house and getting married are all solved by themselves, and my parents didn't pay a penny.
Let's just say that if there is no Xi of saving money, I guess I would have been playing singles. Because no one would let his daughter's daughter marry a man who has nothing.
The Xi of saving money can really change a person's life.
In fact, it is not as difficult as imagined to save money
Many people say that it is too difficult to save money, and it is impossible to save it at all. In fact, it's not that it's hard to save money, it's that the way you save money is simply not right.
Many people save money, all of which are hot-headed. If you want to save money today, save 2,000 yuan. Tomorrow I suddenly don't want to save, so I take out the money and spend it. This kind of half-hearted way of saving money, in another hundred years, will not be able to save money.
I'll teach you a good way to save money:
As soon as the salary is paid every month, the first thing is to take a part of the money and go to the bank to deposit a fixed deposit of "small deposit and lump sum".
This amount, you consider for yourself the actual economic situation. Bigger is definitely better, but it can't seriously affect normal life.
For example, this amount is 1,000 yuan.
As long as you pay your salary every month, the first thing you do is to withdraw 1,000 yuan. Go to a nearby bank, open a fixed passbook, and deposit and withdraw the whole amount.
Then, stick to saving every month, and you can't stop for a month. You must develop a Xi of saving money, even if the sky falls, it can't stop you.
Some people may ask, 1000 yuan is not much. Does it really make sense to save 1,000 yuan a month?
I can give you the math:
If you save 1,000 yuan a month, it will be 12,000 yuan that year. You only need to save for 5 years to have a principal of 60,000 yuan.
Now people who can take out 60,000 yuan at one time are not everywhere.
If you insist on saving for 10 years, the principal is 120,000 yuan. Now an ordinary domestic car is only 100,000 yuan in full. If you live in a small city, you may not need 120,000 yuan to buy a house and make a down payment.
If it is a small county town in the 18th tier, you may be able to buy a small apartment in full.
Accumulate a little in a month, and it looks inconspicuous. However, with the accumulation of time, it is really possible to cause qualitative changes due to mass production. When the time comes, you will find that saving money and not saving money are completely different lives.
There is a good saying: only when you have food in your hands can you not panic in your heart. What is money? Money is the greatest confidence and guarantee in life.
Don't live the life of the Moonlight Clan, otherwise, when you encounter a major event in your life one day and need money urgently, you will regret not saving money, and it will be too late.