The quality of a person's life does not depend entirely on his level of wealth, but on how he spends it.
Some people are not rich, but every penny can be used to make their lives more comfortable. They understand the value of every penny and spend it where it makes sense. Even if you don't have a lot of money, every penny you spend has value and can make life better. The lives of these people, though simple, are full of wisdom and meaning.
There are some people who have a good monthly income, but they always feel that life is not satisfactory, and at the end of the year, not only do they have no savings, but they also complain about lack of money to spend. This phenomenon is not uncommon in life, but it is extremely confusing.
The former has a systematic plan, while the latter is arbitrary.
While some people with plans may feel financial pressure in the short term, in the long run, they won't spend all their money for a short period of enjoyment, but will save it for the future. Doing so will not only give them more financial resources, but also protect their future lives. It's important to manage your finances in a planned way.
Those who just want to enjoy themselves in the moment always earn as much as they want, and their days seem to be casual, but in the long run, they have no savings, let alone the ability to resist risks, they just become more and more insecure.
In fact, the way a person spends his or her money can reveal his or her true pattern of life and the level he or she is in. Only with the ability to know how to spend money can you become a person who can achieve great things. It is very important to master the skill and wisdom of spending money.
The first way: Spend ahead of time and make your life poorer and poorer
There is a popular term on the Internet "moonshine people", which refers to those who do not manage their finances and do not save, that is, they spend as much as they have. These people work hard for a month without any savings, and sometimes have to borrow money from friends to get by.
The reality is cruel and people struggle hard in society. The difficulties in life are frustrating. Only by surviving it can it be considered a success. If you can't get through, you can't easily accept your fate.
There are people who don't have to live so miserably, but they make the wrong choice.
For example, some people habitually spend in advance, and although their monthly salary is only 3,000 yuan, they live a lifestyle of 30,000 yuan a month.
They are proficient in the use of credit cards, Huabei and debits, and although their income is not high, they use it a lot. This pattern of consumption continues year after year, and every month is not rich.
Such people lack foresight, have narrow vision, focus only on immediate interests, and their shallowness of thinking is self-evident.
The second way: spend as much as you want, just enjoy the moment
This way of spending is better than the previous one. They don't spend ahead of time for vanity, and they don't borrow money from others. They will earn money steadily and spend it accordingly, within the limits of their ability. They will not be blindly enterprising, and they will not be driven by vanity to spend ahead.
This kind of person is also known as "small wealth is peace", they are satisfied with the status quo, do not pursue too much, do not think about the future, just enjoy the present.
Lack of savings planning and planning can leave you uncertain about your future.
None of us can predict what will happen in the future, and we can be confused or even panicked if we have the unfortunate need for an emergency that requires a lot of money. This situation is very common, so we should prepare in advance so that we don't need it from time to time.
Instead of splurging it, save a portion of your assets each month and keep a few of your assets. Having savings can give you a sense of security for the future.
The third type: having a vision and a plan will allow the accumulation of wealth more and more
This type of person is very different from the first two, they usually have a more visionary approach, they are well-planned, organized, and self-demanding, and they do not hesitate to achieve every goal.
Regardless of the income, the future is considered. In addition to gradually controlling their desire to spend, they will also think about saving money and managing their finances to achieve asset appreciation.
Be cautious in your finances and accumulate more personal wealth, so that you can increase your financial stability more effectively.
A person who no longer pursues purchases is not an ascetic, but a master who has control over his own life.
Many people encounter this situation when shopping: they just want to buy a piece of clothing, but they end up looking at many options on the shopping app, unknowingly wasting hours, and ending up with something that is not what they expected. This situation is very common in real life.
Driven by desire, people often buy so-called "pleasure". However, the cost of this fleeting joy is much more than money. We also sacrificed precious time. Between "buying" and "getting", we need to choose more carefully and wisely to avoid spending too much time, money and energy in pursuit of instant gratification.
Lu Xun famously said: "Saving time is to make a person's limited life more effective and equal to prolonging people's life." ”
If a person is too indulged in "shopping" and spends his time and energy on this, he will squeeze out the space for self-improvement, and he will not grow in doing so. We should allocate our time and energy reasonably, seize the opportunity to improve ourselves, and realize our self-worth.
Everyone should learn to allocate their time wisely, because every day you spend is the sum of your whole life. If you don't know your direction and plan, and you live your life in a mess, you are likely to miss out on many of life's best moments. We need to set clear goals and plans, and organize our time wisely so that each day is meaningful, fulfilling and exciting.
We want to make life easier, we can start small, gradually control our shopping desires, and spend more time improving ourselves.
I once heard a passage: "Money is good when it is used, it can ensure the health of the elderly in their old age, and the children can enter the school, you and I can firewood, rice, oil, salt, and grains." ”
One should have the ability to control money, whether young or old, and should not let one's desires dictate oneself. Only those who know how to balance their lives can become the protagonists of their own lives.