The matter of saving money seems to many people to be a bit pretentious, and even gives people a feeling of "small family". But just recently, when I saw Ma Yili's big star talking about her savings philosophy on the show, I completely dispelled this concern. It turns out that saving money is not something unseemly, it is more like a rational control of money and accurate planning of life.
I don't know if you have noticed that Ma Yili, a well-known first-line star, is also careful about money like us ordinary people. For example, she revealed that whenever she gets a considerable salary, she will save a large amount of money first and spend only a very small part. Her mother taught her that "saving money is not about spending all your money, but only saving what you have left".
In her words: "If you have 10 yuan, you must spend 2 yuan and save 8 yuan, instead of spending 8 yuan to save 2 yuan, saving 2 yuan is not called saving money, it is called supporting the coffin." "
This statement alone has already shown that Ma Yili attaches great importance to financial management. In her opinion, whether it is money or life style, the most important thing is the word "planning". Although she is worth more than 100 million, she still maintains the traditional virtue of being diligent and thrifty, and even in front of the media camera, she can generously show her "grocery bag" and old clothes from several years ago.
As Ma Yili said, people around you may question that you are "poor and sour" in doing this, but in fact, knowing how to budget is the advanced way of life. There are no rules, and a lack of financial planning will sooner or later cause money to slip through your fingers.
Of course, she is not a stereotypical "calculating", because in her cognition, lending money to others should be based on the principle of "saving the emergency not the poor", unless it is a friend who suddenly encounters an emergency situation such as a serious illness and hospitalization at home, otherwise she will not borrow.
Thinking about it carefully, as a well-known star, Ma Yili's down-to-earth views on money are really fresh and interesting. After all, in the eyes of outsiders, she has already stepped into the "ranks of the rich", and she can spend money endlessly and extravagantly. But in reality, this is not the case, and she still retains a sense of reverence for money.
This rationalist view of money apparently stems from the earnest teachings of her kind mother. For Ma Yili, her mother's words are like a "shot in the arm", always reminding her to live an elegant and simple life. As a star, she has entered the public eye, and she is naturally endowed with the social responsibility of teaching by word and deed.
And she did interpret the life concept of "rational consumption and living within your means" with practical actions, and established a positive view of money and values for us. From her, it is not difficult for us to find that thrift is not a symbol of poverty, but a wisdom of life; Saving money is not a "perverse" practice, but the foundation of a prosperous life.
It has been said that money is only one aspect of life, but it is the whole of our quality of life. The lack of money not only affects our material life, but also the psychological pressure is unbearable. Therefore, learning to control money and cultivating good financial habits and values is really a life lesson.
In fact, fundamentally speaking, the reason why Ma Yili and others are so cautious in managing their finances is largely due to deep worries about their future lives. It is true that rich people may not be able to think of this layer for the time being, but no one can ensure that they will always return home with good clothes and money. What's more, having money does not mean that you will always be rich, opportunities are always there, and risks are always there.
Take Ma Yili herself, although her family is now wealthy, she still attaches great importance to saving, just in case. After all, the identity and future of celebrities are also very fragile, and once they lose their careers, money is equivalent to cutting off the roots. It's like us office workers, if we lose our jobs, our families will also fall into a difficult situation.
Therefore, whether you or I have money or not, we should have a sense of crisis like Ma Yili, and make financial preparations in advance in order to prevent the wind and rain that may come in the future. Only by saving money well, will you have enough confidence in life, and you can calmly face any emergencies.
So, how should we manage our money efficiently? We may be able to get some inspiration from Ma Yili's consumption concept:
First, have a clear plan for financial spending. After getting the income, instead of spending as much as you want, you will deduct a certain amount of savings from it first, and the rest will be the real "discretionary" amount. For example, according to Ma Yili's mother, saving 80% and spending 20% is a good proportion of slurry.
Second, we need to learn that "money goes and there is no return". Some people have a very strange idea of saving money, and always feel that spending the big head and then saving the remaining fraction is called "saving money". But in reality, this can only be a stopgap measure, not a long-term solution. Once the big money is out of hand, it is very difficult to get it back.
Again, celebrities advocate thrift and thrift, and we must also learn to be diligent. Ma Yili's practice of wearing old clothes from a few years ago may seem "sour", but it inspires everyone to use a minimalist attitude to life and save a considerable amount of savings. For example, some ill-fitting clothes and electrical appliances that are not of much use may be disposed of as soon as possible to reduce the burden of life.
Finally, we also need to know that "borrowing money to help others" is not something to boast about. Because money is still a private good, it should not be given away casually. Unless it is an emergency rescue, it is reasonable to "save the emergency but not the poor" to avoid financial loopholes.
In short, through Ma Yili's financial philosophy, it is not difficult for us to find that saving money is by no means a "pretentious" thing, it is more of an advanced way of life, and a person's attitude and understanding of life. A person's money management ability reflects his respect for life from the side, and also projects his satisfaction with a happy life!