The "hard days" have finally come? The central authorities have made it clear that everyone should make three preparations and be able to deal with them calmly

I don't know if you have a feeling that the current business is not as good as when the epidemic occurred, such as the commercial street outside the author's community, which has been open normally for several years, and the business is okay, but after the full liberalization, a large number of shops have closed, and many of the stores cannot be rented. Why is this happening? The simple reason is that people are becoming more and more reluctant to spend money. During the pandemic, many people's incomes were not high, but people were full of expectations for the future, believing that they would be able to earn more when they returned to normal. The reality is that after returning to normal, everyone finds that their income has not increased, and even many people are facing a decrease in income, in which case people are naturally reluctant to spend money.

In the past two years, it has become a consensus for ordinary people to make money, and many industries have been affected to varying degrees by the downturn in the real estate industry. Affected by this, the efficiency of many enterprises has been greatly reduced, and at the end of 2023, many companies have announced that they will reduce or not pay year-end bonuses, and some companies will even reduce the wages of employees. In this regard, some netizens said that compared with being laid off, salary cuts are small things, which is enough to see how poor the current employment environment is. In the past two years, there has been a sentence circulating on the Internet: "We are all so poor Pinduoduo is not disgusted, what reason do we have to think it is LOW?" It can be seen that from the young to Pinduoduo shopping on a large scale, this shows that exquisite young people have also begun to downgrade consumption.

Of course, the root cause of the decline in income is the economic recession, but from a global perspective, the economic growth rate of the mainland has been among the best in the past few years, while the economic growth rate of European and American countries and Southeast Asian countries has been very slow in the past two years. In times of economic downturn, printing money and borrowing are the most commonly used means, for example, in the past few years, the central banks of several major economies in the world have been printing money on a large scale to "release water" and issuing bonds on a large scale. According to statistics, the global debt will increase by $15 trillion in 2023, and the total global debt has reached $3.13 million. Many people may not have much concept of 313 trillion US dollars, to give a data, in 2023, the total GDP of the top 20 economies in the global economy will be 84.72 trillion US dollars.

However, these financial means of releasing water and borrowing have not made the global economy better, and coupled with the turbulent world environment in the past two years, the economic development in the past two years has become worse and worse. There is an old saying in the mainland: antiques in prosperous times, gold in troubled times, and the price of gold has been rising in the past two years, and the price of gold has been hitting record highs recently, which is enough to see how sluggish the current global economic development is, and a large number of funds choose to flow into the gold market to avoid risks. In the current economic environment, it is indeed becoming more and more difficult to make money, buying a house and losing money, and almost no one can make money by speculating in stocks, so there is only one left to invest in gold, but now the price of gold has been at an all-time high, and now there is a high probability of buying it. Therefore, many people now say that they do not know how to make money and are very confused about the future.

In contrast, many media have voiced the voice of "hard times are coming"! This hard life not only refers to ordinary people, but also represents government units at all levels. As we all know, in the past, local fiscal revenue mainly came from land auctions, which was called land finance. However, in the past few years, the development of the real estate industry has been sluggish, and most of the real estate companies' capital chains are tight or even broken, and houses are also very difficult to sell. Although all localities can issue bonds to alleviate financial pressure, after all, this is borrowing money to spend, and it will have to be repaid after all, so borrowing money to spend is not a long-term solution, not to mention that there are already many county-level financial crises in the mainland. Therefore, in the context of declining fiscal revenue, tightening the belt to get by, is the best way, through open sources and reducing expenditure, so that the financial pressure can be gradually reduced. In this regard, the central government has already made a clear statement, and the Minister of Finance made it clear in an interview with reporters some time ago:

It is a clear requirement of the party Central Committee for party and government organs to live a tight life, and governments at all levels must take the lead in implementing it and run all undertakings diligently and thriftily. Only by making careful calculations can we continue to make oil and salt, and if the party and government organs spend a penny less, they can arrange an extra penny for the people's livelihood undertakings.

In addition, in response to the news of salary cuts for civil servants uploaded on the Internet, the Ministry of Finance and local financial control departments have also recently made positive responses:

Indeed, the state departments at all levels have adjusted the salary of civil servants, and the intensity of the reduction is about 5% ~ 10% is also for the purpose of removing unqualified employees, which is equivalent to the national education department to launch a mechanism for the removal of teachers, and the unqualified in-service employees are fully withdrawn from civil servants or career establishments.

In this regard, some students in the system said that in the past three years, it is very common for civil servants to reduce their salaries, and if the local government has no money, the amount of basic performance bonuses will be reduced. In addition, the party and government organs tighten their belts to get by, which may not be a short-term expedient measure, but requires long-term preparation. In the author's view, the party and government organs are living a "hard life" because, on the one hand, they advocate thrift and thrift, and on the other hand, economic development is sluggish and fiscal revenues are insufficient. Behind this, it means that all walks of life are very difficult, and the impact on ordinary people is that it is becoming more and more difficult to make money, and there are fewer and fewer opportunities to make money.

In the face of the current environment, everyone's life is not easy, but if you don't work hard, the days will definitely be more and more bitter. So, what do we need to do? In contrast, we should make three preparations, maybe we can calmly cope with the days ahead.

First, in the author's opinion, the more in this case, the more you can't lie down and go with the flow, for example, there is a saying circulating on the Internet recently, "Don't want a mortgage, a car loan and the next generation, the monthly salary of 3000 can't be spent at all!"

But this kind of concept is unacceptable, after all, everyone is working hard, and as soon as you lie flat, you will fall behind. In addition, even if you don't buy a house or a car, with the current consumption level of young people, a monthly salary of 3,000 is not enough, which is why many young people have become "moonshiners" and even in debt. In fact, when it is more and more difficult, the harder everyone works, only in this way can they stand out, even if they do not succeed in the end, at least they can get a good income and live a good life for themselves and their families.

Second, if conditions permit, you can choose to take the public examination, otherwise it is not recommended to change jobs

In the past two years, it has been difficult to find good jobs, many large companies have been laying off employees, and more and more people are unemployed. According to statistics, as of 2023, the total number of Meituan riders has exceeded 7 million, many of whom are college students, graduate students, and even PhDs who have lost their jobs to deliver food. And that's just the number of Meituan riders, in recent years, there has been an increasing number of freelancers such as riders, errand runners, and ride-hailing drivers. The reason why there are more and more freelancers is not only because of the economic downturn, but also because the increasing number of college graduates is making the competition for jobs more and more fierce.

In this case, if you want to change jobs, it is best to look for a better position on the premise of keeping your job, such as taking the public examination. However, in the author's opinion, it is best to focus on stability in the past two years, and not to change jobs easily.

Third, learn to save money, open sources and reduce expenditure

Money is earned, not saved, but saving money is still important, especially now when it is difficult to earn. For many young people nowadays, they like to spend money lavishly, with a salary of several thousand yuan, and the shot is hundreds or thousands, not only is it moonshine every month, but many times the salary is not enough to repay various loans. So, now you have to restrain yourself, don't spend money indiscriminately, learn to save money, get used to saving money. Although the state advocates consumption to promote economic development, in the author's opinion, it is more meaningful to exist than spending money indiscriminately, and it can make you feel more secure.

In addition to spending money, don't think about investing in business, especially trading stocks, playing futures, and investing in real estate. Needless to say, stocks and futures, retail investors make very little money, and even if they make money, they will lose money in the end. As for houses, house prices have been falling in the past few years, and the current house prices are still high, so there is a high probability that house prices will continue to pull back in the future, and the probability of rebounding is very small. In addition, the author does not recommend everyone to buy a car, although in recent years new energy vehicles are very popular, but if you and your family members do not have a large demand for cars, it is still not recommended to buy a car or change the car. Because the price of cars has fallen rapidly in the past two years, waiting for a year to buy a car may save tens of thousands of yuan.

In the end, the conclusion is to work hard, focus on stability, open source and reduce expenditure, save money, and wait for new opportunities to come in the best state!