Yesterday my cousin came to me, she said that her 100,000 yuan order expired, and asked me how to deposit high interest.
I was surprised that my cousin worked as a cleaner for 2,800 yuan a month, and she had saved 100,000 yuan in five years!
I asked my cousin: Your salary of 2,800 a month, but also take care of your usual life, you said that you saved 100,000 yuan, I feel like a fantasy, could it be that you bought a lottery ticket and won the lottery?
My cousin said: This money is really saved by my salary, but the process of saving money is really hard, and most people probably can't persevere.
I chatted with my cousin for a while, and I realized how she saved this money, and I felt that it was really not easy for her.
When my cousin was in her 40s, her husband passed away, and she worked odd jobs alone to raise her son so that he could go to college.
After her son graduated, he found a job, and after working for half a year, he was disgusted with being too tired to work, so he resigned and took the civil service exam at home.
After two years of civil service examination, he did not pass the examination, so in the name of Xi at home, he played games on the Internet every day.
The cousin usually responds to her son's requests, and her son is not afraid of her, she persuades her son to find a class, her son is more fierce than her, so he has no choice but to follow him.
A few years ago, my cousin's house was demolished, and her family was divided into 5 houses, more than 200,000 yuan in transition fees, and as soon as the house and money arrived, her son wrote all the houses in his name.
The family had a house and money, and her son's partner was easy to find, and the neighbors in the village introduced her son to a partner, and the two of them got along for a few months and were very satisfied with each other, so my cousin came forward to hold a wedding for them.
The cousin thought that her son was married, and she should live a good life, but she didn't expect that her daughter-in-law was not a fuel-efficient lamp, and not long after living together, the two had a conflict.
My cousin's son listened to his wife for everything, and when he saw that his mother and his daughter-in-law couldn't get along, he asked his mother to move to a small house.
My cousin's son sold one of the demolished houses and rented out two, and the younger couple did not go to work, so they lived on the money from the sale of the house and the rent every day.
After my cousin moved to the small house, she didn't have any money in her hand, so she borrowed a few thousand yuan from me to buy pots and pans, and necessities.
After her cousin moved out of her son's house, she knew that relying on her son to provide for her old age was unreliable, so she went to find a job as a community cleaner.
My cousin said, "Sister, you don't know how frugal I have been in the past five years, I haven't bought a single dress in five years, and I wear clothes given to me by colleagues and relatives."
My monthly food expenses are controlled within 500 yuan. When I buy vegetables, I go to the vegetable market at night to buy some cheap vegetables that I don't need, or pick up some old vegetable leaves that people don't want.
I replaced the light bulbs at home with small light bulbs, and when I had nothing to do, I went to the community for a stroll at night, and when I slipped to nine o'clock in the evening, I went home and went to sleep, and my electricity bill for a month was only a few dollars.
I said: Why are you doing so your own, at such an old age, you should eat and drink, save your money, and you can't move it, and you can't spend it yourself, and it's not in the hands of your son.
My cousin smiled bitterly and said: I have to earn some pension money while I can now, my son and daughter-in-law are unreliable, if I don't save money now, it will be even worse when I get old.
My cousin took out the deposit certificate and said to me: Sister, I used to save money for a year, and after the maturity, I added the money I saved in a year.
I told her: you are still working every day, and you don't need this money for the time being, you can save it for three years, the interest rate of the three-year period is higher than the one-year period, in case you need money, you can withdraw a part, and the rest will be saved at the time of the previous deposit.
My cousin said, "What if I want to add up to my usual salary at the end of the year?"
I said: Your usual salary is fixed at 2,800 per month, you can go to the bank to open a three-year passbook, deposit a fixed amount every month, and when it comes to three years, you can just save with this money.
My cousin listened to my suggestion and thought it was a good idea, and said she would do it tomorrow.
I saw that my cousin had 2,800 yuan a month, and she could save 100,000 yuan in 5 years, so I also moved the idea of saving.
If you save a little money, you will save a sum of money every year, right?