When it comes to saving money, many people will ask: Can’t I be kind to myself? Some people may also say that the problem is that money is really hard to use. If you use it, it will be gone...
Today, Sherry will share why I recommend that you must save. Money, and how to get closer to having money through savings.
Let’s tell a real story first.
The year before last, my uncle accidentally broke his leg while going out to deliver goods. The doctor said that the surgery fee plus post-treatment and recovery would cost about 60,000.
My aunt’s family has two sons. After graduation, the eldest son either lived in the moonlight or “eated dirt”. After he got married, he was like a mud Buddha crossing the river and had too much time to take care of himself. Let alone 60,000, he would have to borrow even 10,000 temporarily.
My aunt was crying on the phone, and the doctor said that (his father’s) leg would be useless if there was no surgery. At this moment, no one expected that the cousin, who had just turned 23, suddenly transferred life-saving money.
Afterwards, I asked on WeChat, where did you get so much money?
"I saved it myself."
"You can do it!"
He smiled: In fact, he saved it little by little every month. La.
At that time, I was thinking, if my family was in urgent need of money, could I get it? What are the consequences if it can be taken out and if it cannot be taken out? Can I bear "unachievable results"? Thinking about it, I was really scared.
This incident also made me feel differently about saving money. And I myself went from not saving any money in the past two years to saving enough money for the past two years in half a year. I have undergone tremendous transformation and improvement both physically and mentally.
So today I will talk about why I recommend that young people must save money from these 4 points that have a profound impact on me.
As the saying goes, when you have no money, a penny can stump a hero, and it is true. If you don’t save money, any accident can turn your world into chaos; if you don’t save money, any unexpected situation can destroy your sense of security; if you don’t save money, you will find yourself in situations where money is needed urgently. Wherever you go, you can be as passive as you want; if you don’t save money, no matter where you go, your self-confidence will lack a foundation to back it up.
Let me tell you about my own experience. In the first year after graduation, I was still a true "second generation negative". At that time, like many people who like to consume excessively, every time I saw something that I knew was far beyond my consumption capacity, I would still say to myself: I am still so young, why should I save money? Besides, money is meant to be spent, and I just want to be better to myself.
In this way, almost a year and a half before graduation, I barely saved any money. I didn’t dare to buy anything for my family when I went home for the Chinese New Year, let alone buy myself new clothes. The worst thing was when I was looking for a job in 2017, I was about to take a car back to my place of residence after an interview.
But after opening WeChat and Alipay, I found that the balance on them was displayed as "0", the mobile phone was in arrears, and there was only 50 cents left in the subway card (it was really 50 cents). It was really necessary. How miserable it is.
Being in this predicament, for the first time in my life, I really felt what it was like to have no money: fear was like a wave of nausea tumbling from my stomach and spreading throughout my body. In panic, I thought over and over again: What if I can’t go back, what should I do? Will I live on the street? Will he die?
For a moment, I asked myself in my heart: How could you be so miserable? How could I put myself in such trouble?
Perhaps this experience was so profound that I still remember it fresh. From then on, I knew I had to save money. Moreover, if a person wants to live with a sense of security and dignity, having money on hand must be a necessary part.
At the same time, I also realized that having no savings would make our economic risk barrier particularly fragile. At this time, if you suddenly get sick, the company lays off people, or even buy an extra stunning dress at the end of the month, you may fall into the quagmire of borrowing money.
Worse still, we get happiness when we buy a nice dress or book a trip.
The brain has a faster and stronger response to this kind of thing. If we buy too many things that are unimportant and unaffordable, our brains will be in a bad place for a long time. It just wants to avoid immediate pain and feel pleasure, which will push you to buy more things. — "The Road to Financial Freedom"
Therefore, I must tell you responsibly: There is always only a wall between not saving money and borrowing money.
2. People who encourage you to consume will not teach you how to make money
When it comes to borrowing money, you may not have imagined that today's young people "overdraw their consumption" How serious is it?
Let’s first look at two sets of data: The “Overall Operation of the Payment System in the Second Quarter of 2018” released by the Central Bank shows: 56% of young people have no deposits, and over 75.6 billion yuan in overdue credit cards across the country cannot be repaid. ....
Coincidentally, the "China Pension Prospects Survey Report" announced that "nearly 60% of young people have no savings." The report also pointed out that Chinese young people need to earn 1.634 million yuan to comfortably retire. However, only 40% of domestic young people under the age of 35 are saving, and the average monthly savings is only 1,389 yuan.
Behind these astonishing numbers are millions of young people being urged by various businesses, idols and internet celebrity anchors:
A certain beauty anchor: OMG! Buy it buy it! This is tailor-made for you, did you make it?
A shopping guide: Baby, really, let me tell you, a girl like you definitely deserves this better skin-nourishing foundation!
A certain micro-business: Limited edition bags from Italy, perfect for delicate pig girls!
A certain beauty anchor: If you like it, just give it to me, I will give it to you carefully
A certain traffic star: I suddenly fall in love with you, with the romance limited to Chinese Valentine's Day
A real estate company: Spend today’s money to realize tomorrow’s dream, why are you hesitating...
If you are also one of those who have been greeted with enthusiasm and fallen into the gentle trap, I advise you to hurry up. Wake up.
Your favorite "Doudou" may have pretty eyes and sparkling eyes, and the anchor you reward may have a sweet voice, but they will not help you pay the fare when you have no money to take the bus; no When you have no money to go home to celebrate the New Year, I will help you buy New Year's goods; I will not care that today you have spent all your money tomorrow, and when tomorrow dawns, you will face the storm of reality alone.
Remember, people who encourage you to consume will never teach you how to make money. Because by asking you to spend money, they are doing their best to complete their KPI (performance).
As for what will happen to you when you have no money, if you don’t even care about yourself, who care?
High-income earners may fantasize about waiting for my income to increase , I will be richer. By then, it’s not too late for me to save money. But the fact is that after many people get promotions and salary increases, their savings not only do not increase but decrease. Because if consumption habits do not change, as income increases, our consumption demand and consumption proportion will also increase.
This is why people often find that they seem to be poorer in the first month after a salary increase. Therefore, if you do not have the habit of saving money regularly, let alone achieve economic freedom, you will not have psychological safety and freedom.
And for those whose income is not high and who have never saved money, the problem will be even more serious. The most obvious one is this: Not saving money limits personal growth and career advancement, while denying them the possibility of earning a higher income.
Clothing, food, housing, and transportation require costs, and growth certainly requires financial investment and support, ranging from vocational and technical examinations to studying with industry experts and participating in professional training lectures.
But if you are a earner with a limited income, you are likely to:
- When looking for a job, you dare not interview for too long because you cannot afford to work without pay. financial pressure. So I often have a hasty interview with several companies. I am obviously not very satisfied, but I still choose "not to wait."
-When choosing a job, you are more likely to be tempted by "high salary", even if the job does not bring you good growth;
-Reluctant to work in the professional field Investing in yourself in learning will slow down your growth and miss some good development opportunities...
After understanding the problems and harms of not saving money, some friends may still want to say: I don’t want to save money. Money is a matter of lowering the current standard of living. I also want to save money, but now my consumption is so high that there is simply not enough money to spend. I really can’t save it?
If so, you may have some misconceptions about saving:
If you can push yourself, decide to start saving now. Don’t spend too much. Start by spending 10 less this month and use 90 of your income for expenses, and see how your living standards change. The results will surprise you, because spending 10 or more less will not have any impact on the quality of your life.
For example, I used to buy skin care products every 2-3 months, which cost about 1,000 yuan each time, which is an average of 300 yuan more per month. . But actually, I don’t need that much skin care product at all. How do I know this? Every time I move and pack things, I always find that I have 2 bottles of eye cream, 3 bottles of facial cleanser, and many expired facial masks that have not been opened...
When I decided to start saving money, I have greatly reduced the frequency of buying skin care products and only buy what I really need every time. By the end of 2018, I calculated that this small adjustment had saved me at least 5,000 yuan! Best of all, my skin remains smooth and unaffected.
Another secret to saving money is to never look down on small money. People who look down on small money cannot save big money; people who look down on small money often spend a lot of "big money". Those young people who are forced to die by campus loans start borrowing from small money until their debts pile up. , finally unable to repay it?
Finally, let’s talk about how to save money.
Regarding how to save the money you saved in the past few years in one year (if you were a moonlighter before), you can do this:
Hello, I am Sherry, A senior copywriter at an Internet company, welcome to follow: Sherry said, read and practice together, and use cognitive iteration to complete personal transformation.