If a family has not been able to gather wealth, it is necessary to delve into the reasons behind it.
Some people have similar incomes, if not less, and people have saved money. This shows that the way the other party uses money is completely different.
In reality, a family is becoming less and less wealthy, and there is often some cheap waste. Be vigilant.
01 The man who broke the fortune
In reality, if you have a family, you are always helping someone.
Then there is no doubt that neither you nor your family can save much.
You're paying for your own perception.
For example, some friends have come out to work very early, and it stands to reason that if the expenses are not large, they will have been able to save some money a long time ago.
You can even buy a house and a car. With this money, you can also improve your academic qualifications.
But the reality is that he has been helping some of his relatives. Even every month, I only leave a living allowance for myself.
Then obviously, you expect him to save money, it is simply whimsical.
The final result is likely to be that he is old and has no money.
In reality, this kind of friend is often a person who values family affection. But unfortunately, they often don't get much return on these investments.
And when they get older, they feel very miserable and have little savings.
So, isn't it time to think about yourself and not be so selfless?
02 Unnecessary shopping
In reality, if an average-income family wants to accumulate wealth and resist future family risks, it must be very wise about shopping.
Be clear and rational.
For example, many people often wear clothes, just a few pieces. So for a quarter, it is enough to prepare a few clothes and pants.
Is it really necessary to fill the wardrobe at home and buy new clothes frequently?
And the food.
Buy a lot of fruits, snacks, will it rot and throw it away?
Isn't that more wasteful?
Snacks and drinks, can I buy less? Eating more fruits and vegetables by yourself is good for your health.
In short, for each type of overhead, it is necessary to reflect on it. See if you really need to.
In fact, a family, if you want to be careful with your budget, should have a very clear understanding of your shopping.
For example, what food, clothes, and daily necessities to buy are basically fixed.
Don't pay for superfluous desires. Because desire is endless.
03 Family members who do not have the ability to earn and save money
In reality, if you take a family as a unit. Then, every member of this family must have the ability to earn and save money.
In this way, the accumulation of wealth in this family is positive and uphill.
Otherwise, it will definitely cost more money and you will not be able to accumulate wealth.
For example, in a family, all the adults go out to make money, and then on weekdays, they live very frugally, and they will make a budget and not overspend.
Then the family, the wealth must be growing. If you save money as a family, you can expect to save a lot of money.
On the contrary, if there are family members in a family who do not make money, but also love to spend money, it will be very troublesome.
Most of this family can't save money.
One needs to reflect appropriately. If a family can't save money for a few years, it's going to be a problem.
Whether it is not good to make money, or it is too much money, you need to be honest.
Only by being honest and not making excuses can we improve the status quo.
There is no other way.