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What are some good ways to save money? The People's Daily has an inspiring reply: "Before buying anything, please remember the nine-character proverb 'You like, you need, you fit'."
Everyone understands the big truth, but the small emotions are difficult to control, every time you deliberately want to save money, but will spend more money, for example, most of us have fallen into this consumption trap: originally planned to go to the downstairs store to buy a 75 yuan table lamp, to the store you found that you like this lamp in other stores only sell 50 yuan, so did not think for a long time, turned around and ran to the 50 yuan store.
But the result is the opposite, subconsciously we will feel that we have made 25 yuan, if the store is in the promotion, we will buy and buy, the result is to buy other goods other than the super light, but also beyond the budget of 75 yuan.
At the beginning, before buying something, it is true that you like, you need, you fit, but it only takes a while to forget this nine-word proverb, and the culprit is of course our "psychological bookkeeping", the concept of psychological bookkeeping by Richard of the University of Garzgo. Thaler proposes to reveal the most common and costly tendency of people to manage their finances: to think that some money is worth less than others and therefore can be squandered.
In The Value-Added Trap: The Art of Spending Money That Smart People Must Know, authors Gary Belski and Thomas Dilovich list 5 signs that we can compare to indicate that you may have developed the habit of mental bookkeeping:
• People who don't think they're spending money indiscriminately, but have a hard time saving money.
• There are deposits in the bank, but credit cards will cycle back to generate overdue money.
• More likely to squander tax refunds than to spend savings haphazardly.
• When using a credit card instead of cash, it seems to cost more.
• Most pension savings are invested in fixed income or conservative.
These phenomena have long been common, in the current workers, social moonlight family, invisible poor households, advanced consumption, and other network words from the side to reflect that people are falling deeper and deeper on the road to spending money, "Value-added Trap" is also illustrating this problem, you think you can control money, rational and intelligent to let money serve you, do not know that there are many irrational factors that lead us to often make stupidity in spending money, more importantly, "Value-added Trap" is intended to help avoid the ubiquitous spending trap by looking for behavior, psychological misunderstanding, Let the small money accumulate over time and save a large amount of money.
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In Lao She's essay collection "My Life", it is said that Lao She looked at Qingdao's bungalows, foreign cars, foreign clothes and other good things over and over again, and finally sighed that "the so-called foreign crimes are my faults, poor, if I get rich, I must like it very much", the literati can not help but fall into the cliché, understand that it is good to have money, but most of us can not look at money equally.
For example, when it comes to the annual liquidation of personal income tax, for those who have successfully refunded the tax, they will classify the "tax refund" as "extra money", and it is more refreshing to squander this money;
For example, when using credit cards and spending money, we become more willing to spend money, and we are more likely to spend money randomly, when we have 200 yuan in our pockets, it costs 100 yuan to buy a dress, because the money in our pockets is reduced, and our feelings about this purchase will be greatly reduced;
It can be seen that the tendency to classify, separate or label money differently will have side effects, leading to people being more financially inconceived. The depreciation of money in some psychological accounts makes it easier for us to spend money indiscriminately, especially with small amounts of money, and falls into unequal thinking of dividing money into three, six, nine, etc., which largely explains why we save money so slowly and why we become moonlight people.
In addition, in the book "The Value-Added Trap", it is also answered from other angles, and it is a good explanation why most people make obviously irrational and illogical decisions when they consume, invest, save and borrow money, and how they are made.
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TV series "Thirty Only" in luxury goods as a cabinet sister Wang Manni, with half of the salary to pay the rent, brushing the credit card to upgrade to the VIP cabin of the sea trip, gritting her teeth to buy a customized brand-name box to the boyfriend and other expenses beyond their own income, many netizens commented that she is a very vain person, with luxury goods to increase their value, do not know that this is a trap, and finally no house, no car, no deposit back to the hometown, poor and exquisite finally only poor.
Wang Manni is hardworking, intelligent, careful, and has a clear goal in the workplace, and still has not escaped the value-added trap, but from the side, it also happens to show that today, many young people understand very well that today's society is not a hard-working era that can easily cross the class, even if we have received a higher and more education than the previous generation, the real social rules are doomed to make it more difficult for us to have the opportunity for financial freedom.
After the indulgence of "drinking today and enjoying the present", all kinds of bill anxiety still arrive as scheduled, so how to look at the amount of money and achieve the initial financial freedom? A friend once said that in the past, when the salary came to a thousand, he could still save money, but now the salary is tens of thousands, but there is no penny left, and he is still in debt. This is in response to the old saying, eat not poor, drink not poor, calculate not a lifetime poor. While we work hard to make money on the ground, it is equally important to save money and manage money seriously.
Buffett said: It is difficult to get rich quickly, but it is easy to get rich slowly. Chongqing Lollipop Ran Guanghui, a low-level worker, a person who did hard work, carried out a suite near the "Liberation Monument" in Chongqing, and the family finally had their own nest. In the eyes of most people, this is something that they dare not think about at all, but Ran Guanghui has completed it. The same is true of the original intention of the book "The Value-Added Trap", there is no way to get rich overnight, through knowledge to recognize some things that are related to yourself, over time this self-awareness will be transformed into true wisdom, followed by luck and wealth.
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The writer Zweig has a description in "The Broken Queen": "She realized that fate was too favored on her, and she came with good luck along the way." It wasn't until she needed to use her intellect and ability to save herself and her children's lives that she found that her life had been empty and pale, and she had not accumulated any strength to fight against adversity. ”
There are still many uncertainties in the future, middle-aged unemployment, old and young, sick... These unknowns carry great fear, and when self-knowledge becomes clearer and accumulates small forces, it will one day become the pillar of your struggle against adversity.