It's a strange thing that business seems to be harder now than it was during the pandemic. For example, many commercial streets and community shops have been open normally in the past few years, and although business has plummeted, at least everyone can maintain their operations.
However, after the full liberalization, a large number of shops have closed, and no one is willing to take over even the rent reduction of some shops. What's going on here?
Many people say that it is because the consumer group has shifted from offline to online, which is actually true, but it is not all right, after all, even online, it can be clearly felt from the sales of several major e-commerce platforms, and everyone's consumption has been significantly downgraded compared with the past.
The main reason for all this is that people are now more and more reluctant to spend money.
For example, in the years of the epidemic, although everyone's income was not high, at least everyone was full of expectations for the future, thinking that they could strive for more income after returning to normal.
However, after returning to normal, not only did everyone find that their income did not increase, but even many people faced a decrease in income, and some even lost their jobs and could no longer find a stable job.
01.
Bitter Sunshine
It's still here after all?
At the end of 2021, domestic real estate started a round of downward cycle, but this round of adjustment has also brought a huge impact to many industries, resulting in a significant reduction in the efficiency of many enterprises, and even many enterprises can only barely "survive" by reducing salaries.
For workers, compared with being laid off, salary cuts are a trivial matter, and in this case, the problem everyone faces is inevitably that they are shy in their pockets, and consumption will naturally decrease.
Of course, the root cause of the decline in income is the economic downturn, and the more common means to boost the economy are to print money and borrow.
Last year, for example, $15 trillion of new global debt was created, and the total global debt was already $313 trillion.
However, such large-scale water release and borrowing have not stirred up too many waves, and the global economy has not only not improved greatly, but has become worse and worse under the turbulent world environment in the past two years.
In fact, this can be seen from everyone's crazy pursuit of gold, as the so-called: prosperous antiques, troubled gold. The fact that a large amount of money has chosen to flow into the gold market as a hedge is enough to show that the general environment is poor.
Nowadays, it is becoming more and more difficult to make money, it is easy to lose money when buying a house, and stock speculation may become a shareholder, and gold is now at a historical high, and there is a high probability of buying now. Therefore, many people now say that they do not know how to make money and are very confused about the future.
In this regard, even many media have voiced "hard times are coming"!
Of course, this hard life does not only refer to ordinary people, but also represents government units at all levels. After all, many local financial revenue are dependent on land, the development of the industry is not good, the capital chain of real estate enterprises is not smooth, and the land is not active, and the local financial revenue will be sharply 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 fact, there has been a lot of news on the Internet about the salary cut of civil servants, and the Ministry of Finance and local financial control departments have also made positive responses recently:
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.
And it is clear that tightening the belt of the agency to get by, may not be a short-term expedient measure, but requires long-term preparation. For example, last year, the Ministry of Finance said in a series of thematic press conferences: the government's tight life is not a short-term response, but a long-term policy that should be adhered to.
In fact, the tight life of the institution also 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 this situation, if you still choose to lie flat, the days will only get more and more bitter. Our advice to this is to make 3 preparations, maybe you can calmly cope with the days ahead.
01.
Be prepared for three responses
1. Resolutely do not lie flat
Some people feel that the economy is already so sluggish anyway, no matter how hard they try, they can't live a good life, rather than this, it is better to lie flat, at least the life is not so hard.
But if you think about it, once you lie flat, you will inevitably fall behind. At that time, you may even fall into endless torment.
The best thing to do is to work harder when it is getting more and more difficult, and only in this way can you stand out, even if you don't succeed in the end, at least you can get a good income and live a good life for yourself and your family.
2. Seek stability in everything
For example, in terms of work, if conditions permit, you can choose to take the public examination, otherwise it is not recommended to change jobs. Just imagine, the total number of Meituan riders exceeded 7 million last year, many of whom were college students, graduate students, and even PhDs who went to deliver food after losing their jobs.
In fact, this phenomenon has already indicated the economic recession, and even the intensification of market competition pressure as a whole. In this case, if you still want to do it in the east and do it in the west, it may be difficult to find a job in the end.
The best way is to look for a better position on the premise of keeping your job, such as taking the public examination. On the contrary, no matter what, the work in the past two years is still stable, and don't resign easily.
3. Learn to save money, open sources and reduce expenditure
While it's important to make money, it's also essential to save money. If you don't know what to spend, what to do is to spend, and if you don't know what to do, it's not enough to have gold and silver. Especially now that money is hard to earn, you can't spend it lavishly.
Not only that, but also learn to save money. Only when you have capital in your pocket, you will be more confident when you deal with the crisis, and you can protect your family's life.
In addition, regarding investments such as houses, stocks, and futures, the winning margin of this thing is getting smaller and smaller, and it is better to be rational to make less money and lose more.
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!
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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