In the past two days, there has been a hot topic on Weibo: should I tell my children that it is difficult to make money?
One blogger said she met a middle-aged woman at the hospital who supervised a teenage boy while infusing fluids.
The boy pointed to the math problem and muttered that he couldn't write, so he picked up his phone and started playing games.
After a while, the boy's father came, and his clothes were still a little dirty.
When he entered the door and saw the boy playing a game, he grabbed the phone and yelled at him: "Don't you know that you are counting down?" Do you know how hard it is for me and your mother to work every day to earn money in order to provide you with education?
Will playing games allow you to eat enough when you grow up? Or will it allow you to buy a house and a car? ”
Hearing this passage, the blogger remembered that when he was a child, he was also taught by his parents bitterly: it is not easy to make money, our family is poor, you have to understand things.
On the bright side, he learned to be independent, thrifty, and cautious at work.
The bad side is that there is some inferiority, there is no bottom in doing things, and often doubts and negates themselves.
Reflecting on the education that parents give themselves in their children's money, the biggest misunderstanding is to be recklessly satisfied, to give what they want, or to cultivate frugal independence in the name of excessive poverty.
In fact, the best education for children in the concept of money is to tell them the truth about their parents' money and the logic behind money.
That is, knowing what their parents are doing to make money, why is this so? Do you want to live like this?
Learn to face money and life with a rational and objective attitude, not exaggerate the value of money, and do not exaggerate the difficulties of life, in order to easily face life and enjoy life.
I have a friend, 35 years old, single, more than 10,000 "drought and flood protection" every month, no loans, and still a moonlight family.
Usually in addition to going to work, the biggest hobby is to chase dramas, online shopping, hanging on the mouth is: "Women must know how to love themselves, if they do not love themselves, how can anyone love you?" ”
And the main way she loves herself is to buy things for herself.
Work pressure is high, need to buy something to ease the mood;
Being praised and needing to buy something to reward yourself;
Fat, need to buy a variety of weight loss products;
Skinny, to buy new clothes to complement themselves...
And she has known her for a long time and found that a big reason why she always wants to spend money is to compensate for the lack of her childhood.
She has an older sister and a younger brother, who eats and wears the best of the three, and the older sister is the first child in the family, and her clothes are all new. In the middle, she wears a lot of small clothes for her sisters, and only buys her new clothes during the New Year's Festival.
Usually want to buy toys, school supplies, to wait for the sister or brother also want to buy, together with their parents to bring up, even to buy extracurricular books, but also to say the reason why they must sell.
She always had a voice in her heart: When I grow up, I will buy whatever I want, and I will never look at people's faces again.
So, after she worked, almost all of her income was spent on clothes, cosmetics, and bags, which girls liked.
No savings, no future.
In recent years, thinking that I might always be single, I have begun to worry about my later life:
Where do you live without buying a house?
Without savings, is the pension enough to pay for the nursing home?
Psychologists have found that people who are plagued by money problems in adulthood, that is, people who are often short of money, tend to have three beliefs:
One is to think that making money is a very hard thing, you have to be very tired to have a lot of money, which is the fear of money.
The second is not to dare to face the value of money, to comfort yourself that money is not important, and money cannot buy happiness.
The third is to believe that money equals risk, only believe in the money lying on the bank account, and be afraid of investment and borrowing.
Sej. Johnson, who compiled the first Dictionary of English, said: "The man who spends money and the man who makes money is the happiest man because he can enjoy both pleasures." ”
Making Money with Money: Your First Money Book is an easy-to-understand book that teaches you how to make money with your money.
The author uses concise and relaxed language to introduce different financial management contents such as funds, stocks, insurance, gold, foreign exchange, bonds, futures, savings, etc., the method is practical and instructive, and it can be understood at a glance, learned, and can be used.
The book talks about three kinds of wealth thinking that will lay the foundation for you to achieve wealth freedom.
The first is money thinking: there is respect for money at all times.
The so-called respect for money means that every penny you spend is "for a reason", and at the same time, you have super self-control over the cost.
Not budgeting or bookkeeping by consumption category, not being able to accurately say the amount allocated to each consumption category in the budget, and not preparing an annual budget based on your expected income, consumption category, investment, etc., these disrespectful performances of money will make you more and more away from the freedom of wealth.
The second is consumer thinking, which can ignore the consumption of the people around it.
What kind of clothes people wearing or what kind of cars you drive have nothing to do with you.
People who can control their own consumption concept will always understand that any trend and style is temporary and will soon be replaced, and it is not worth consuming for the pursuit of trends.
They will not fall into the trap of an "arms consumption race" with those around them, losing both their wealth and their original happiness.
Finally, there is investment thinking: diversifying and never putting eggs in one basket.
Trying to save income and invest savings in multiple investment types is the most common investment idea of the rich.
They are full of confidence in their investment strategies, spend more time than the average person to study investment problems, learn investment knowledge, and rarely rely on financial advisors.
Pension accounts and real estate are their favorite types of investment in capital layout.
How much money a person can make is not only based on the degree of effort, but also on his choices and cognition.
No matter what industry you do, you can't just look at the numbers and interests in front of you, but you must develop good habits of financial management, control personal and family expenditures, and make financial plans that suit you.
In the book "Making Money with Money", it is mentioned that good financial habits contain at least six points:
Achieve reasonable consumption, mandatory savings every month, insist on daily bookkeeping, keep only one credit card, spare money for investment, and protect personal credit history.
On this basis, the author details the 12 basic strategies of investment and financial management, how to choose the right investment method, the three major channels for purchasing funds, how to make financial plans in different periods, etc.
Through this book, you can correctly understand investment and financial management, walk into the financial market with the right mentality, and understand the basic concepts and risks of various financial products.
Learning to manage money is not just about learning how to deal with money, but providing us with a way to see ourselves and the world with a rich eye.
When you stand on this perspective, you will find that you can be confident, powerful, able to achieve your goals, and have the life you want.
Such a life is confident and rich.
Author | Kale, write other people's stories well, live your own life.
Image | Visual China, movie "Iron Lady"