I am an ordinary working-class person, a single mother born in the 1970s, with seniors at the top, children at the bottom, and leaders in the middle.

When it comes to money, I am a traditional conservative and risk-averse person.

Now I own an apartment in a provincial capital, an apartment in the place where I work (a fourth-tier city), a 10-year-old Volkswagen for commuting, and some stocks and funds. , and this is all accumulated bit by bit by me alone relying on salary income and financial management. Everything seemed to come naturally, and everything seemed to be the result of my hard work.

1. Don’t be a free earner, health is money

When I first started working in 1993, I worked in a township bank office. The town is small and there is not much to consume. My extra consumption is just to buy some books, newspapers and magazines.

The institute hired an old mother to cook for the canteen, and each person paid 40 yuan per month for the food fund. My monthly salary is about 290 yuan, and after paying for the food fund, I usually don’t have much left over. The money is all stored in your own bankbook. First, it is stored in your own place and it is convenient to deposit and withdraw. Second, after all, it earns one day's interest every day without letting go of a penny.

But at that time, my body was relatively weak. I would cough when I caught a cold, and the cough would be endless, so I had to get an intravenous drip. If I get sick once in a certain month, all the money will be spent that month. Therefore, people must be healthy and not sick. Once they are sick, they will be poor and lose their money.

Because of the national targeted poverty alleviation policy, I have been going to our unit’s poverty alleviation sites more recently. Our poverty alleviation sites are actually in good condition, with beautiful mountains and rivers and fertile land. As long as people are not lazy, the land will not bully them. Most of the poor are poor because of illness. A healthy body is money. With a healthy body, a normal mind, people are not lazy, and the national policies are so good, you can get by no matter what.

So if we don’t want to be a moonlight tribe, we must first ensure our health. Exercise and fitness, regular work and rest, reasonable diet, and regular physical examinations are all essential. If you have a minor illness, you must seek medical treatment in time. If a minor illness turns into a serious illness or a chronic disease, it will continue to consume your energy and money.

The sooner you start investing in your health, the better!

2. If you are not a moonlight earner, start by controlling consumption.

If you are not a moonlight earner, start by controlling consumption. Check your wardrobe. How many clothes have you bought but not worn several times or only once? Check your refrigerator and pantry. How much food is expired or spoiled before you can eat it? Check your bookcases and see how many books are just gathering dust. Possessiveness makes us keep buying and buying, but it turns our home into a garbage dump. The items take up most of the space, leaving us in a tight situation, whether it is space or money.

How to control consumption, first "stop giving up". Stop = not buy or collect unnecessary things, give up = get rid of useless things piled up at home, leave = give up the obsession with material things. , let yourself be in a spacious, comfortable and free space.

How to get rid of the little demon that eats money? Only buy classic clothes that suit you, and buy high-quality clothes within your own ability. Note: not the kind of luxury goods that cost tens of thousands of dollars and can only be worn once; but hoard more food, eat less or no junk food; get a dress Get a library card to avoid excessive book hoarding; check your mobile phone bill to see if there are any unnecessary expenses that consume your money, and cancel unnecessary subscriptions.

You should buy less but more carefully. Buy items you really need, buy high-quality products, and buy products that can be used repeatedly.

The sooner you learn to control desires and consumption, the better!

3. Don’t be a moonlight earner, start saving money by forcing yourself to invest

The first big sum of money I saved was to buy a house. At the end of 1995, I had only been working for a year and a half. My employer raised funds to build a house. Where did the money come from? China Construction Bank loaned me 10,000 yuan. My father gave me a loan of 10,000 yuan. I scraped together 3,000 yuan, and my mother stuffed some private money. , I borrowed 8,000 yuan from a friend and reluctantly paid for the house.

At that time, I had a conservative concept and didn’t like the feeling of owing money to others. I would repay the money whenever I had a little money. I first paid back my friends’ money, and soon I repaid the CCB loan more than half a year ahead of schedule. The money was saved in this way. Although buying a house was a real necessity at the time, it forced me to save a house.

This apartment is very old now, but because it is close to my workplace, the security is very good, and the usable area is reasonable. Moreover, this is the first apartment I bought in my life, and I still live in it.

In 2010, I accompanied a friend to Changsha to view a house. It was a house in a school district. My friend praised the school very much. Because I believed in my friend’s vision, I bought a house easily. It's convenient because I can make decisions about almost everything when I'm single, without looking at a man's face or discussing with others.

Where did the down payment of 150,000 come from? The cash in the bank card, overdraft on the credit card, selling the funds that I usually invest in, and collecting money here and there. The remaining balance was used for a bank mortgage loan, with equal monthly principal and interest of about 2,000 yuan. Now the house price has increased 1.5 times.

The monthly income of working-class people is basically fixed. Buying a house requires opportunities. If there are no other large investments, it is better to invest in stock funds every month and force yourself to save a small amount of money every month. There will be gains as time goes by.

Investment is compound interest over time, the sooner you start, the better!

4. If you are not a moonlight tribe, don’t spend your last copper.

“Never spend your last copper.” I remember reading a story when I was a child. A wanderer encountered a bandit and was killed. When he was desperate, he found a silver dollar sewn into the two corners of his cotton-padded jacket. It was these two silver dollars that helped him get out of the predicament and finally return home in glory.

There is plenty of food in hand and no panic in mind. Keep enough cash for basic living expenses for at least 2-3 months. Of course, in addition to keeping this cash in the form of bank demand deposits, you can also buy monetary funds. You can redeem it 2-3 days in advance if you need it. The return on the commodity base is low, but it is also compound interest. The so-called accumulation of a little makes a lot, and a mosquito's legs are nothing but meat. Saving a little money can accomplish big things.

I raised my daughter on my own, rarely borrowed money over the years, and never put myself in an embarrassing situation.

"Never spend your last copper." The sooner you understand this concept, the better!

5. Credit cards are not the original sin of not being a paycheck

Many financial experts denounce credit cards as causing young people to over-consume and spend ahead of time, thus falling into financial crisis.

What’s wrong with credit cards? The key is how to use credit cards reasonably?

First of all, it is not advisable to have too many credit cards, at most two are enough. Try to use credit cards for shopping malls and online purchases (based on rational and reasonable consumption), which can be used interest-free for up to 50 days.

Secondly, the credit card should be bound to a repayment bank card. This bank card should preferably be your salary card. Make sure that there is enough balance in the account before the credit card expires to automatically repay when it expires, so as to avoid the occurrence of Bad credit history.

Again, there are repayment methods. Please be sure to choose full repayment, and do not use bill installments and minimum repayments unless absolutely necessary.

Proper use of credit cards can also help you accumulate good credit. When you need large sums of money, such as buying a house, investing, or starting a business, you can successfully get a loan from the bank.

Bank credit card points are also very reliable. I have redeemed them for many small kitchen appliances. The point policies of various banking institutions are different, so you can research them yourself.

The sooner you build good credit, the better!

I’ve revealed everything to you, why don’t you give me a thumbs up?

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