Author: Ru Fengjun
Source: Rufeng everyone (ID: rufengdajia)
As the saying goes: "Saving money is like picking up soil with a needle, and spending money is like water pushing sand." ”
Wealth is not a day's work, but the accumulation of long-term diligence and frugality.
But it is easy to leak money, and many people are desperately trying to make money, and the savings are still pitiful.
Because consumption does not know moderation, expenses do not know where to go, and no matter how high the salary is, it will be poor.
One of the following 4 bad habits for leaking money is a bad thing, I hope you don't have one!
1
Useless socializing
Writer Su Cen said: "You don't have to invite too many people into your life. ”
In addition to the staggered comings and goings of people, it is easy to make yourself tired.
There are also a lot of unnecessary expenses, all of which come from mixing circles and useless socializing.
For example: because of the love of face, no matter who you go out to eat with, you rush to pay.
thinks he can make people look up, but most of the time he will only be regarded as wronged.
Or in order to manage relationships, choose to give gifts to unworthy people, or even borrow money.
You imagine that there are comings and goings, and in the end you find that it is the norm to go and have no return, but you are getting poorer and poorer.
Some people are keen to invite guests to form games, such as card games, wine games, etc., and pay out of their own pockets in the social arena to welcome them left and right.
But most of the social interaction is meaningless, and it will make you poorer and poorer.
In the adult world, socialization is always a reciprocity and exchange of values.
If you don't have enough strength, no matter how much money you pay, it's just self-consumption.
As the saying goes: "If you are in full bloom, the breeze will come." ”
Reduce social costs, focus on self-improvement, and have natural connections, so that you can live a prosperous life.
2
Invest blindly
As the saying goes, "The rich make money." ”
It is difficult for a person to achieve financial freedom by hard work alone.
Only by knowing how to invest and manage money and arranging funds reasonably can the value of money be maintained and increased.
But the reality is that many people have no investment knowledge and no investment experience.
After listening to the advocacy on the Internet, or the recommendation of relatives and friends, I bought stock funds indiscriminately.
The result is often only to become a leek in the capital market, to be slaughtered by others, to admit losses and leave the market.
The hard-earned money has come to naught overnight, and it will not help if you regret it.
Others choose to invest in themselves, believing that as long as they are strong enough, wealth will roll in.
Everyone understands the truth, but the reality is like a world away from the ideal.
Thinking about investing in health, I got a fitness card, but I didn't go a few times, and I was idle at home;
Thinking about investing in my brain, I bought an online course, but I didn't listen to it a few times, and I left it behind.
Investment is not about buying and buying blindly, but after spending money, there is substantial improvement and output.
Quit the bad habit of blind investment, whether it is investing in projects or investing in yourself, you must be rational and self-reliant.
First understand the input-output ratio, use the investment of money and time, make more money, and form a perfect closed loop, which is the real investment.
3
Spend as much as you like
As the old saying goes: "Wealth starts from small, and there is thrift." ”
Saving money should start from a small place, and wealth comes from diligence and thrift.
If you do the opposite, you will spend at will on a daily basis and spend at will.
No matter how high your income is, it is difficult to really have a deposit that is enough to give you a sense of security.
Like: impulse purchase of some items that are used very infrequently, such as ovens, wall breakers, etc.;
or brainwashed by sky-high advertisements in the live broadcast room, paying for some unnecessary goods;
When shopping online, they often forcibly make up orders for full reduction, and as a result, they spend several times more than expected;
If you want to open a software membership when you need it, you forget to turn off the auto-renewal function and spend an extra amount of money every month......
There is a saying: one dollar a day, a thousand dollars a thousand days.
If you don't care about small money, it will become a big expense in the long run, and you will leak money invisibly.
Stay rational, plan in advance, save as much as you can, and don't spend money that shouldn't be spent, so that you can gather sand into a tower and become rich.
4
Comparison psychology
There is a saying in the Book of Rites: "Living within one's means is out." ”
Deciding how much to spend based on your income level is a smart way to spend.
But many people, out of the heart of comparison, pay attention to face, and think that what others have should also have themselves.
Even if the salary is only a few thousand, you still have to pursue a refined life everywhere and maintain a glamorous appearance outside.
Lost in superficial materialism all day long, constantly chasing, indulging in comparisons and showing off.
For example, buying luxury skin care products, wearing first-line brand clothes, using the latest Apple mobile phone, and eating high-end Western restaurants......
As a result, it is inevitable to spend money, borrow, and credit cards everywhere, and he is in debt at a young age, and he is stretched thin.
As the saying goes: people are more angry than people. ”
In this world, there will always be people who are better off than you, and there will always be people who are not as good as you.
Many times, you only see the scenery in front of them, but you don't see the vicissitudes of their life.
Therefore, instead of trying to compare, gritting your teeth and spending a lot of money, you end up in debt and struggling to survive.
It is better to live at your own pace, live within your means, consume moderately, and achieve double wealth in money and spirit.
【Copyright Notice】The content source of this article: Rufeng everyone (ID: rufengdajia), author: Rufengjun. The pictures in the article are from the Internet, and the copyright belongs to the original author.