A few days ago, a message called "Female white-collar workers impulsively paid more than 3 online shopping deposits in advance" rushed to Weibo Hot Search.

Hu, who was staying in the live broadcast rooms of various anchors and bought it in buy buy, described his "painful" experience:

"I watched the live broadcast last night and thought it was a good deal, and it was also a good deal. I paid the money when my mind was hot, but I found out at noon today that I had paid more than 3 deposits in advance ..."

Netizens expressed deep sympathy: "Me too.

Hu is not the only one who can cut his hand for a while and regret it afterwards.

Last November, a woman in Luzhou, Sichuan Province was obsessed with online shopping and owed 3, yuan. Her husband was so angry that he wanted to jump off a building and commit suicide.

In this regard, some people commented:

Running your own life in debt, infinitely amplifying the financial leverage of your life, and finally you can only short everything you originally owned.

Last year, HSBC released a set of survey data:

The debt-to-income ratio of the post-9s generation was as high as 185%, and the per capita debt reached 127,9 yuan.

Recently, the "General Situation of Payment System in the Second Quarter of 22" issued by the Central Bank shows:

By the end of the second quarter, the total outstanding credit of credit cards in China was 85.428 billion yuan.

it's really touching.

under the resplendent material civilization, it is the normal state of life to want to buy this and that;

But the shopping cart is getting heavier and heavier, and the bank card is getting lighter and lighter, which has become the embarrassment of life.

In this era when desires are infinitely magnified and consumption becomes within reach, I especially admire a person:

They can resist the temptation of merchants, restrain their desires, spend rationally and insist on saving money.

They can cope with the changes of the times and life calmly.

As the saying goes, "money in your pocket is not worrying". In this era, saving money is much more important than spending money.

Being able to persist in saving money is an adult's top self-discipline.

1

Saving money is to save confidence for the future.

some people say: money is not important, not for you, but when you need it.

Some time ago, my friend Fang Qiong suddenly sent a circle of friends, with only a simple sentence "Please help save my father" and a link to raise funds for a serious illness.

I hurriedly asked her what was wrong.

She told me that her father was diagnosed with lung cancer, and the treatment cost was as high as 4, yuan.

The expenses in hospitals are like water. Every day, the cost of light treatment is several thousand, the cost of examination and testing before and after treatment alone is 6 thousand, and the cost of targeted treatment is almost 2 thousand, not to mention the cost of chemotherapy later.

a penny beats a hero, and a disease destroys a family.

Seeing my father tortured by illness, my friend left tears of regret.

she sobbed, "I haven't made any money in these years. It's just that my father used to support me ... "

My friend's parents used to be teachers, and they had a fixed monthly pension. She was also the only daughter in the family, and she had a good family since she was a child. She lived with her parents all the time after work, and there was no pressure on her life.

basically all the salary income is spent on yourself.

the coat in the mall is on sale, so buy it; Lipstick has a new color number, buy it; Double eleven, double twelve, one-click order, buy buy buys ...

As a result, when a close relative suddenly falls ill, she can't afford a penny, so she can only humbly borrow it from relatives and friends.

Many people, like Fang Qiong, are busy with refinement and consumption.

When you have money, you earn money every month and buy money every day. When you are in urgent need of money and can't take it out, you suddenly wake up:

It turns out that in the face of unknown risks, the amount of money on a bank card may be the length of your life.

The world is full of risks and changes:

You think that strong parents can help you shelter from the wind and rain, but a disease can bring down a family;

You think that a stable job can at least guarantee you food and clothing, but an epidemic has caused countless people to fall into unemployment crisis.

In the group of Debtors' Union on Douban, there is a particularly heartfelt saying:

"A deposit may not make you realize your wealth freedom, let alone help you reach the peak of your life.

However, when the accident comes, it is difficult to save your life without savings. "

Yes, life is hard. Life is really bitter. If you want to live comfortably, you have to look far and think wide, and you have to endure your desires and save money.

tomorrow and accidents, you never know who will come first.

the money you save now is your confidence to resist risks.

2

Saving money means saving an escape route for yourself.

There is a hot post in Zhihu. The question is: What is the meaning of saving money?

The most praised answer came from an interview with Chinese actor Liu Yuling:

"I tried to make money and save money, and set up a' ‘fuck you'money for myself.

In this way, when I don't like to do something, I can leave with confidence and say to the boss who tortured me,' I have money, so fuck you!' "

that's true.

the greatest significance of saving money is to leave an escape route.

I am also wronged at work.

In "I am Yu Huanshui", Yu Huanshui, played by Guo Jingfei, was scolded by his boss for "living badly" and dared not resign.

However, Rowe, the elite played by Zhou Yiwei in Entrepreneurial Times, dares to leave directly.

why?

Because for Yu Huanshui, who has no savings, mortgage, car loan and children's tuition fees are all heavy burdens, he dare not and cannot resign.

For Luo Wei who has savings, the present job is not his only way out-the money saved by Cary is his retreat, which can pay for his "willful" choice.

The difference between them is just like a long-standing saying on the Internet:

"The biggest advantage of saving money is that it has a high fault tolerance rate in life, and no matter what you do wrong, you can make up for it in time.

If you don't have a deposit, you can earn a penny and spend a penny. If there is a slight mistake, you won't know where the rent and mortgage for next month will come from. "

Yes, the adult's retreat, to put it bluntly, is all given by Cary's money.

Wilde once said:

"When I was young, I thought money was the most important thing in the world. Now that I am old, I know that it is true. "

after all, in times of crisis, the money you save is the greatest sense of security in your life.

3

Saving money is the top self-discipline of adults.

in this era when consumer desires are infinitely magnified, how can we control our own desires and not be trapped by consumerism?

Next, I will share some tips for saving money.

1. Try the fixed percentage deposit method

Why can't so many people save money? In the final analysis, they are too relaxed about saving money:

at the beginning of the month-"I'm going to start saving money";

in the middle of the month-"you can't save this money, you must spend it";

at the end of the month-"save it next month".

in this cycle, month after month, how many next months.

instead, try the fixed percentage deposit method, which is a bit "arbitrary", such as forcing 3% of income to be deposited in the bank every month.

after a few years, you will feel the balance in your account. It smells good!

2. Beware of the "broken window effect"

In criminal psychology, there is a word called "broken window effect", which means:

If someone breaks the window glass of a building and this window is not maintained in time, others may be indulged by some demonstration to break more windows.

the same is true of saving money.

If you indulge yourself in breaking the "window" of your savings account while saving money, then your bank card will have more and more "holes" until it becomes an empty card.

Some friends around me usually save money, but whenever they see something, such as a new mobile phone or an idol's concert ticket, they will take out some of the money they have worked so hard to save, and over time, they will "go back to before liberation overnight".

Therefore, if you want to save money, you should be alert to the window-breaking effect, and never take out the deposit unless it is an emergency of birth, illness and death.

only in this way can we get rid of the dilemma of earning money every month and moonlight, and gradually change our identity and become an accumulator of wealth.

3. Learn to save with open source

As the saying goes, if you don't manage your money, money will ignore you.

Some people say: Open source and reduce expenditure.

in a word, if you want to save money, you must make money first.

under the premise of compulsory proportional deposit, the more you earn, the more you save.

to increase revenue and reduce expenditure is always to increase revenue first, and to reduce expenditure later. Only when you earn can you survive.

investment skills with more money and more money, and financial management scheme with less money and less money.

financial management means managing your life, and financial management means managing your life. You must make a financial support plan for your life goals.

4

I once read such a sentence in the book, which is quite reasonable:

"Saving money is a practice, a practice that competes with desire."

I am deeply impressed.

As long as you live, spending money is instinct, and saving money is skill.

Only when you know how to control your material desires can you resist risks and control your life.

for the rest of your life, I hope you will not be servile for things or annoyed by money, and put down your material desires to save money.

I hope you have some money in your card, a sense of certainty in your heart, and you will make money and save more.

encourage friends.