In the eyes of the vast majority of people, as the epidemic gradually fades away, people's lives have returned to the previous state, however, the reality is not as beautiful as everyone imagined, and even the actual situation may be far more cruel than we imagined.
So far, more than a year has passed since the epidemic, and the lives of the vast majority of people have not returned to normal, but have become more severe than before the epidemic, in fact, this is not only a personal feeling, but many people have this feeling.
A large part of the reason for this situation is that the overall economic environment is not ideal. In the case of sluggish economic development, many industries are in trouble, especially small and medium-sized enterprises with insufficient strength, which are facing bankruptcy and liquidation.
In such an environment, people's unemployment rate has also risen sharply, and the data shows that the surveyed urban unemployment rate in January 2024 is 5.2%, nearly 1.6 percentage points higher than the pre-pandemic unemployment rate of 3.62% in 2019. Even if some people are lucky enough to not lose their jobs, they are still not immune to a sharp decline in income.
In this regard, economists also said that the hard life of ordinary people is coming, and this situation may continue for a long time.
Some people may think that this is a bit incredible, but in fact, the answer of the relevant person in charge of the Ministry of Finance of the Central Ministries and Commissions some time ago also shows this point. In response to a question raised by a reporter from China Daily, the responsible person said: This is a clear requirement of the central authorities for party and government organs to live a tight life, and governments at all levels are required to take the lead in implementing it.
In the face of such a situation, insiders remind that the situation may become more severe in 2024, and it is recommended that everyone tighten their belts and save if they can!
01.
Get your mindset right and respond positively
If hard times are inevitable and panic and distress will not help, the best thing to do is to put your mind right, and not let yourself lie down because of the economic downturn.
In fact, there are many people who think that they are not good at mixing, so they rely on their parents. As everyone knows, in the case of an unsatisfactory environment, the parents are not so easy to make money, if you take lying flat at this time, it will only drag down the family, and in the end the family may fall into "suffering".
Therefore, the more sluggish the environment, the more you have to make yourself diligent, just imagine, as long as every member of the family gives 100% effort, then, the result is that the east is not bright and the west is bright, at least it will not be wiped out. As long as there is a success, the life of the family will not be too bad, and only in this way can you fill yourself and your family.
02.
Control consumption
Due to the current economic environment, we must control our desire to consume. Regardless of whether you have plenty of money now, don't spend money lavishly, because once you encounter a bad situation, you need to use money urgently, and it will be very difficult to get it out at that time.
Therefore, it is recommended that at this time, do not buy the things you like immediately, but make a decision according to your actual situation, if you can't use the things for the time being, you can wait for a while and then buy or don't buy them directly.
In addition, if possible, a financial income and expenditure statistics table can be made to record the income and expenditure of each day. This can not only play a good role in financial control, but also carry out more investment planning with higher returns, so as to achieve wealth appreciation.
However, considering the risk, it is recommended to consider carefully when investing in high-risk investment products such as real estate and stocks. After all, the current investment environment is not ideal, the probability of winning is low, and the possibility of loss is greater.
For novices, it is still recommended to choose low-risk investment and wealth management products, such as: time deposits, or treasury bonds. Although the investment income obtained by this financial management method is relatively low, it can at least ensure the safety of the principal.
In addition, about buying large goods, such as cars, it is also necessary to think twice, after all, the car is also a consumable, in the case of economic downturn, the old car can be driven, leave some money to deal with uncertainty, at least life is more calm.
03.
Keep it as you are, don't jump ship easily
In recent years, the competitive pressure of the job market has intensified, the recruitment demand of enterprises has plummeted, the unemployment rate is high, and more than 10 million fresh graduates enter the society every year to seek employment opportunities. Under the huge competitive pressure, it is recommended that if you have a good job at the moment, don't consider changing jobs, even if the salary is a little lower.
You must know that in order to survive in the past two years, many college undergraduates have begun to lower their posture to run takeaways and express delivery, and even the executives of the top 100 companies have to run takeaways to cope with the problem of survival. In this case, you must think twice about changing jobs, because if you don't do well, you will become unemployed. I believe that those who have experienced job-hopping in the past two years have learned a profound lesson, so I won't say much here.
In addition, for families who really need to change jobs, it is recommended to make corresponding family configurations, if there are risks in changing jobs in a new job, such as high income, but there may also be a higher risk of unemployment, in this case, at least ensure that another person in the family has a more stable job before changing jobs. In this way, it will not affect the normal operation of the whole family due to their own job hopping.
In short, it is very difficult for everyone at this stage, but as long as you actively deal with it, consider it in many aspects, and think about it thoroughly, you will be able to take your family and face the current difficulties more calmly, and your future life will become better and better. In short, maintaining a positive and optimistic attitude to deal with difficulties is the best encouragement for yourself.
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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