Double 11 is coming again, and now the promotions are popular to make a bunch of fancy rules in advance. The deposit is cool for a while, and the final crematoria.
Today, I would like to talk about the changes in my double eleven consumption concept over the years, and then help everyone to save money better and spend money more scientifically.
<h1 class="pgc-h-arrow-right" > don't spend it because it's cheap</h1>
I remember when I was in college, I finally had my own living expenses, and my enthusiasm for buying things was unprecedentedly high, and I often bought some clothes or small items for dozens of dollars a piece online.
The cabinet was full of certain treasures, but I didn't feel that my quality of life had risen because I bought these things.
In fact, most of these things I do not need, just blindly pursue "have", when placing an order I feel particularly happy, and then sent to the hand but found that I do not need, but also not willing to throw.
When I was in college, I bought 3 tweed coats for about 300 yuan.
The picture looks good, but the quality is not good, the sticky hair is up and down, these problems are all there, and it is not as good as on the picture, so I wear it two or three times and I don't want to wear it again.
It doesn't look like I spend a lot of money on clothes, but I don't use them very often. The price of wearing it once is almost a hundred yuan. Left buy one piece and right buy one piece, and finally spend a lot of money.
When I graduated from college, I packed up five bags of clothes, many of which I didn't remember, all of which were impulsive consumption at that time.
Later, when I was in graduate school, I began to have some income of my own and began to plan expenses.
When I was in the first year of graduate school, I remember spending a lot of money to buy a coat, a down jacket, and it was very painful at that time.
But these two later became the most frequently worn in my winter wardrobe, and now they are still often worn, and they have long been "worth the fare".
After that, I figured out that my consumption was to improve the quality of life. I buy clothes to make myself look better, something that doesn't meet my needs, and I can't buy it cheaply. Things are not much, but fine.
<h1 class= "pgc-h-arrow-right" > blindly follow the trend to buy is easy to overturn</h1>
I used to be particularly susceptible to being planted by the influencer stuff. Seeing that everyone recommends lipstick, I will buy the hottest color number, but I am not a person who likes makeup, and many lipsticks with different colors are not used at all.
The most used is the lipstick in my hand, and the lipstick has not been empty so far. Just now I calculated the lipstick in my hand, I have spent thousands of dollars, too much loss.
After breaking away, I now only plan to keep three lipsticks in my hand, a discolored lipstick, a more everyday lipstick, and a lipstick with a stronger aura suitable for heavy makeup.
Girls are most likely to buy lady-level cosmetics and popular bags when their minds are hot.
I had dinner with one of my college girlfriends some time ago, and then she just happened to carry a big hot lv bag and bought it for two months' salary. The tragedy is that because she is afraid of being scolded, she only dares to tell her mother that this bag is a high imitation.
What is even more sad is that she needs to bring a computer to work, and this bag cannot be filled at all, so she has to carry another canvas bag every day, which is very inconvenient.
Therefore, your own needs are king, don't blindly consume because of chasing Internet celebrity products, or "face" problems.
Now I slowly understand that self-confidence is given by myself, not by buying a very expensive bag or clothes, and there is no need to spend a lot of money to prove myself.
<h1 class="pgc-h-arrow-right" > wary of overheads like "latte factor."</h1>
I have been in the habit of bookkeeping for about two years, and I really recommend that you keep a bookkeeping habit, which can not only remind yourself to be rational when spending money, but also find structural problems in spending.
It was only after bookkeeping that I found that in addition to daily expenses, some expenses that I usually did not notice, such as buying milk tea, ordering takeaways, and taking a taxi, so that I spent a lot of money unconsciously, and accumulated a lot.
In fact, this part of the cost is the legendary "latte factor". There is a couple who drink a cup of latte every morning after going to work, and 30 years later, the cumulative cost of this part of the latte has reached 700,000.
Quietly taking your money with a seemingly small cost is the power of the "latte factor". Just like the consumption of milk tea and takeaway, it is not good for the body, and it is okay to come twice once in a while, but it cannot be like this for a long time.
Looking back, most situations can be avoided, and this is a cost of desire that we can control.
This is a graph of how my spending changed last year. When I first started bookkeeping in January, I spent the month directly more than I budgeted, and the largest proportion of them was catering.
At that time, I liked to order takeaway after work, twenty or thirty yuan for a meal, and I didn't feel like it cost much, but the bookkeeping exposed the whole process, and after a month, the highest cost was the money for catering.
After discovering this, I began to change my habits, eating fruit and yogurt in the afternoon and not being so hungry after work in the evening. Rice noodles, cereals, bread and other things are often available at home for quick cooking after work in the evening.
This also indirectly brings the benefit that my diet is healthier and improving my body in the long run. The picture on the right is the percentage of my spending last month, and you can see that catering has fallen to No. 4.
<h1 class= "pgc-h-arrow-right" > the necessary learning expenses are well worth it</h1>
There's nothing cooler than investing in yourself.
I think shopping more buys back consumables, and when you run out, you won't have it, but learning this kind of investment is a cost that can bring benefits to many years in the future.
"Learning is the best investment in yourself", although it is a cliché, it is still very difficult to really do it.
(When I was a child, my parents spent money to study, I was not willing, and now I have to suffer to study when I spend my own money, and the concubines can't do it)
The benefits of these two years of study have brought me a lot. Going to school gave me better jobs and a visible income increase. Including the self-media that I am doing in my spare time now, it is also because of the insistence on reading and operational learning.
In the past, I didn't like to enroll in classes, I felt more restricted, or it was more pleasant to be free. But now my perspective has changed a bit.
In fact, there is a teacher system to take you to learn, help you to solve the problem is very time-saving, but also to avoid a lot of misunderstandings, develop good habits.
At the beginning of the graduate school, I also taught myself, but then I found that I couldn't understand many things in mathematics and politics, and the efficiency was very low, so I went to buy online courses.
I still remember that teacher Chen Wendeng's linear algebra made me not lose a single point in the line generation part, and Xiao Xiurong's mao Zhongte directly helped me straighten out the whole logic.
When I first started doing self-media, I was also groping on my own, thinking that I didn't have to register for a class to learn systematically, and as a result, I took a lot of detours and missed the best development period.
Now I am beginning to have a long memory, I want to learn something, even if I don't go to a course, at least go to a related book to systematically study, to help me establish a knowledge system in this field.
Of course, the courses on the market are uneven and need to be carefully screened.
But I don't think you can block the door of learning just because you bought the wrong class or was cheated.
On the surface, the so-called wisdom not to be "cut leeks" is actually entering a closed mode of thinking. It is really a very interesting thing to be able to unlock the door to new worlds through learning.
<h1 class="pgc-h-arrow-right" > summarize</h1>
Today's article talks about the change in my consumption philosophy.
1. Don't consume because it's cheap, things are not much, but fine.
2. Blindly following the trend to buy Internet celebrity products is easy to overturn, and their own needs are king.
3. Be wary of expenses such as "latte factor", and the small money spent unconsciously will accumulate a lot.
4. Learning is the best investment in yourself, do not have a closed mind, the necessary learning costs are worth it.
Ling Shan, a personal growth coach, helps 500+ people complete the counterattack and tells the simplest story of workplace growth. Welcome to @Lingshan's growth notes, reply to the "book list", and send you a growth book list.