At the end of the year before last, my uncle and aunt came to borrow money and asked for 200,000 yuan. The reason was that their daughter, my cousin, wanted to buy a house in the city and couldn't get a loan. Actually, don't tell me. For a loan, they don't even have the down payment.

The main reason why I don’t want to lend money to them is that I, as a cousin, “does not have the life of a rich second generation, but suffers from the diseases of a rich second generation.” She has had to eat and wear well since she was a child. If you use it well, you are born with a "princess life", but unfortunately now you are known far and wide as a "female perfect show" (describing a person who spends all his money and eats most of his food when he has money).

When my cousin graduated from college, she changed several jobs but she felt tired, low-paying, and even had a bad reputation. My uncle came to me several times and asked me to help my cousin find a labor-saving and decent job. It happened that my classmate was the leader of a public institution in a large town, and their company needed to recruit a temporary worker, so I asked him to recruit my cousin.

My cousin joined this unit. Although she was a temporary worker, she felt that she was worth a hundred times more. Earning a very low monthly salary as a temporary worker, he mingled among a group of career women, eating, drinking and having fun. There are two Starbucks not far from the workplace. This group of people will order a cup of coffee after lunch every day to kill time until they go to work in the afternoon. It's a pity that a cup of Starbucks every day consumes half of the salary of temporary workers. What can you do with the remaining money? However, she never misses any gatherings between colleagues. How can her salary be enough? In the end she had to give her some more from my uncle and aunt to survive. After telling her, she said she would take the opportunity to find a rich husband!

After working for half a year, she proposed to buy a car. Originally, her home was not far from her workplace, and a battery car could get there in twenty minutes. She said that all her colleagues in the workplace had cars, so she wanted one too, and it was difficult to have a boyfriend without a car. Her uncle and aunt couldn't resist her, so they used their savings of 100,000 to buy her a small Polo. She didn't want it because she felt the price had dropped, so she decided to get an Audi A4. After repeated work, she downgraded it to an Audi A3. Since her uncle and aunt were tight on money, she borrowed 50,000 yuan from her to satisfy her cousin's request.

After that, the pressure on uncle and aunt became great. In addition to supplementing the living expenses for my cousin, I now have to pay for gas, car insurance and maintenance. The old couple usually lives frugally and gave all their subsidies to this "rich princess".

After buying a car, she still doesn’t have a boyfriend. No one would like her as a temporary worker among the boys she could like. After all, the story of "Cinderella" is just a fairy tale. However, she didn't realize this, and she couldn't listen to what her relatives said. Later, another talkative woman among her colleagues told her that if a girl wants to find a rich husband, she must have a house in the city. So there was a scene at the end of the year before last. To be honest, a house in the city at that time cost at least more than 2 million. Not to mention whether she can afford the 20% down payment, but even the 80% loan, I'm afraid it will be difficult to get approved. After all, based on her income, no bank will lend her such a large amount of money, and she won't be able to repay it if she does. ah.

I finally rejected my uncle and aunt’s request to borrow money, and also told them that my cousin’s current situation was entirely caused by them. ——Maybe it’s because I refused to lend them money, or maybe it’s because my words hurt them. After that, my uncle’s family didn’t say a word to me for more than two years, and the same happened when they saw my parents, wife and children. Just pretend you didn't see it.

My neighbor in my hometown, Xiaobo, is such a person. Xiaobo is one year younger than me and is also in his early forties. The couple has been working in Shanghai these years. Xiaobo owns a small van. He used to sell fruits on the roadside. But business has been difficult these years, so he changed his job to delivering goods to other aquatic products stores, earning 6,000 yuan a month. About 1 yuan. Xiaobo's wife, Yanzi, works in a nearby small factory. She has no insurance and does not have to clock in to work. She gets paid as much as she works. It is not formal at all.

But Yanzi is very satisfied. In her words: Do it if you want to do it, or if you don’t want to do it, it all depends on your mood, just to be at ease! It only costs about 4,000 yuan a month!

Xiaobo can be careless about everything, except eating and drinking! I am the kind of real foodie who thinks most about what to eat today and where to eat. When chatting with others, I always talk about eating and drinking. As long as it has to do with food, no matter how much money is spent, Xiaobo will never feel bad! As long as he hears that there is something more delicious somewhere, he will rush to buy it, and he will happily take the swallows with him. He will not be too troublesome and will never be too far away!

Yanzi never blocks Xiaobo's actions. As long as she likes something, she will buy it without hesitation! She spends thousands of dollars on cosmetics and hundreds of dollars on a haircut, and she doesn’t even blink an eye! I also buy clothes diligently. Whenever the season changes, I’m sure I’ll have to change them all again! The couple's philosophy is: It doesn't matter how much it costs, as long as you have enough money and you can afford it, just buy it!

When Xiaobo's son was admitted to high school last year, others advised him: It's not easy to make money, so save some money and save some money for your children to go to college in the future. In the future, when the children grow up, there will be more places to spend money! Xiaobo said: What is the use of studying in college now? In the future, after graduation, it will be the same as going out to work? After entering the society, you have to spend money to earn it, who can support him for the rest of his life?

Xiaobo from It has been almost 20 years since I got married, and I still live in the old house in my hometown many years ago. Almost all the people in the village have bought houses in the county or big cities outside, but there is no movement at all in their family! I once persuaded Xiaobo to buy a house before, but he laughed and refuted me: the interest on the loan to buy a house exceeded the principal. After buying the house, he had to pay property fees and so on. He became a house slave and had to pay for it all his life. Is it stupid to work in a bank? Now he doesn't even consider buying a house. The reason is: many places are carrying out new rural construction, and people will live in concentrated areas soon. Who will be short of houses in the future?

However, When it comes to eating and drinking, Xiaobo is really willing to spend money: he can spend four to five hundred yuan to eat a meal of crayfish, or he can take a taxi to a place dozens of kilometers away just to eat a bowl of delicious wontons! The people who post the most in the circle of friends are either eating or playing. It’s really a cool life! I never drink milk that costs less than five yuan a box, and I buy fruits such as jackfruit, durian, and cherries whenever I want, and throw them away if they don’t taste good. Many years ago, he smoked more than 20 packs of cigarettes. When playing cards, he was always willing to show up when invited. He was unequivocal even when he won or lost thousands!

My wife sometimes sighs in front of me: Ever since I married you, I have never lived like a swallow in my life! I work so hard every day, and I can’t bear to do this or that, and I don’t see a lot of extra money!

Sometimes when I have some time to think about it, the life of Xiaobo and his wife is worth it. They can eat and drink when they should, without worries or worries! But if I really want to live like them, I can't live a day! I don’t have any savings in my hand, I don’t have a plan for my life, and I don’t even have basic insurance. If there is an accident or emergency tomorrow, wouldn’t it be like catching a blind eye with both hands? Then I will only cry! So envy is envy, I'd better live my life honestly, at least this way I feel at ease!

My aunt’s niece is a family of three. The son is over thirty years old and has never been married. It seems that he is not planning to get married. There is no taboo in the life of mother and son. Her aunt sometimes visits her house, and in summer mother and son just lie on the same kang and live peacefully together.

Although my aunt and niece live in the countryside, they have the mentality of city people and live the life of city people, earning one and spending two, and never contributing too much.

When others in the village put in the effort, my niece’s family planted the seeds, and then they grew as they pleased, as long as they were enough to eat. Fortunately, her husband used to be an electrician and was paid. In addition, her son usually goes out to work for a few months and comes home when he has income, and the family of three lives a happy and spicy life.

My niece’s life is so chic that it’s better than the gods.

I have to rush to the market, buy a lot of delicious food, drink beer, smoke small cigarettes, and the family of three has a salty and delicious life!

In the evening, if I had nothing to do, I would go from house to house and play poker and mahjong, which lasted most of the night. At first I thought their family was very rich, but later I heard from my aunt that their family was the kind of people who would be drunk now and not hungry until they were full. My family never saves money, and I don’t know how to worry about finding a partner for my son!

It is understandable that everyone has their own way of life, and we have no right to dictate. But sometimes I really admire such people, who seem to be easily satisfied at first glance. You may say that I am lazy and lazy, or that I do not follow the path of ordinary people, but I only live for myself, no matter what others say.

How many people can be so free and easy? If it were another situation, many of us would have already started to worry: we don’t have enough money, our house is not big enough, we are not living as well as others, etc. A series of problems have already overwhelmed us!

So it’s not a bad thing to be able to live freely like your aunt and niece all your life!

A classmate of mine is like this. Everyone who knows her is talking about her behind her back, but they don't care about it and still go their own way.

She used to work in a hospital. After giving birth to a child, she quit her job and went home to take care of the child full-time. For more than 20 years, her husband was the only one who made money to support the family. Her husband was a plumber. The income in a small county like ours in the 18th tier is really not high.

But her consumption is full of "I am a rich person" momentum. Everything she eats at home can only be high-end, and she travels at least three times a year.

The child has been living in her eldest aunt's house since she was a teenager. At that time, her husband and several brothers jointly bought the foundation to build a house. Each house had one floor, and all the furniture and decorations were high-end goods. , but after moving into the new house, several of our classmates went to her house to play, and she took out her account book and calculated her debt, which amounted to hundreds of thousands.

But this did not affect her consumption concept at all. Once she traveled to Yunnan with a few friends and saw others buying jade and the like. She obviously didn’t have that much money, but she found a travel companion. My friend borrowed money to buy a bracelet worth more than 10,000 yuan! During her trip, her husband happened to be helping people install water and electricity near my house. I asked him to come home for dinner and listened to what her husband said.

Another time, several well-qualified female classmates made an appointment to go to Wuhan for a physical examination, and she went with them. It cost more than 7,000 to have a full physical examination. Then she came back and followed one of the classmates to sign up for a driving school. She spent more than 4,000 to get her driver's license. The purpose of getting her driver's license was to buy a car. But now her new car has turned into an old one, and she can still sleep at home without her driver's license.

I have to say that her husband is really kind. He goes out early in the morning every day, and when he comes home in the evening, he has to help her wash the dishes. She is playing mahjong outside, and he has to ride a bicycle to pick her up.

One son is also a typical prodigal. When he graduated from high school, he hit someone seriously while riding a motorcycle on the street and lost more than 200,000 yuan. He also lost more than 300,000 yuan in online gambling before graduating from college. According to her own words, the debt is at least one million! Her husband was getting older every year before her eyes, but she never thought about how to help share the burden. At a class reunion, two straight-talking male classmates made remarks about her in front of everyone!

A said: "Seeing that you gain weight every day because of your free time, your husband is as old and thin as a slave. When your son gets older, you should play less and just find something to do, can't you?"

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B said: "You are good at cooking. You can rent a store on the street and sell some hot dry noodles. At least I can help your husband share some of the burden. Look at how pitiful your husband is. How can you bear to be idle every day? "

An ordinary person's self-esteem would definitely not be able to bear it, but she laughed and said that her husband wouldn't let her do anything, as long as she served him well every day.

Her biggest advantage is that she loves to be clean. Her home is spotless. She has lived at her aunt’s house for nearly ten years. When she moved out, even the kitchen was as good as new, with not a single stain inside or outside. No, there are no blind spots in her house, not even a trace of dust under the bed. This is something everyone has to admit.

About three years ago, her husband fell from upstairs while working and suffered intracranial hemorrhage and was hospitalized in the city center hospital. We all went to the hospital to visit. She was also very anxious at the time. When she saw some of our classmates, she shed tears! Later, she gradually improved and the doctor told her to rest for at least half a year. However, after her husband was discharged from the hospital, he returned to work after less than three months of rest, but she was still the same, playing mahjong when she should, and traveling as usual. Just last month, she I took my suitcase and went to my friend's store to buy clothes and shoes. I also said that I was rushing to travel to Hainan. My friend was really speechless when she talked about it. I really admire her big heart! This person is in her forties (her husband is several years older than her and is already in his early fifties. She got married before she was twenty and her son is already twenty-seven). She has a lot of debts and an unmarried wife. What is her character like? To be so calm and relaxed? I definitely wouldn’t be able to do it if it were me!

Sister Liu from our unit is divorced and living with a daughter in her twenties. Logically speaking, she is not young anymore and should not be like young people, who are drunk now.

But she has been living a wealthy life since she was young. I didn’t know how to cook and didn’t start the fire. When I was young, I would eat at my parents’ house. There was a canteen in my workplace and my children would order takeout.

She lives off her salary like a wife from a wealthy family. Her ex-husband runs a store and always complains that the business is not doing well and refuses to pay home, so she spends her salary with her children. In the past, when the unit was very profitable, it always issued shopping tickets, seafood tickets, and lots of bonuses and subsidies. She spent the money without hesitation.

Now the unit is issuing wages normally, and there are bonuses, but they will be delayed for a long time, and other shopping tickets and subsidies are no longer available.

This is painful for Sister Liu, who is used to spending money. Her ex-husband doesn't care about her, and her children have developed the habit of spending money early on. The two of them are still spending money lavishly and often cannot make ends meet.

She often fails to pay off her credit card, and her credit score is not good, so the bank always calls her. An apartment was sold, and a building was sold. The money was used to pay off the credit card, and the rest was quickly spent.

After her parents passed away, the inheritance was divided among several sisters. She was given about 100,000 yuan, and her employer distributed a bonus of more than 20,000 yuan.

The cost of living in an old community with your children every day is extremely low. A woman in her fifties working in a public institution can live very well in a small county town with her monthly salary.

However, the money from the sale of the apartment, the inheritance money, and the bonus money were all spent in just six months, without buying anything in kind. The daughter does not work or go out and lies in bed every day. The mother-in-law orders meals every time and often takes the car. Go shopping out of town.

Her attitude towards life makes her look like a very wealthy person to outsiders. Only people in our work unit know that she often borrows money from her colleagues for consumption, and she is asked to borrow money more or less frequently, which makes everyone very disgusted and ignore her. It’s okay not to have such a superficial wealth.

There is a family of three in my hometown who receive subsistence allowance (not because of their background, but because they are poor) but they often eat a lot of fish and meat. Other families usually only buy one or two pounds of meat. Their family is Half a house at a time, the result is that his son's girlfriend wants to buy a house, and their family dare not buy it even if they borrow money, because once they buy a house, the subsistence allowance of 20,000 to 30,000 yuan a year will be gone.

My female superior owes me 25,000 yuan. She uses skii and dislikes my use of Dabao. She also said: I need to know how to take care of my hair as I get older.

This girl is 3 years younger than me. She is 29 years old this year. She works in the business department of the group company. Although she is a superior, because she has no position, her salary is not high, about 6,000 yuan a month.

We usually interact a lot at work. I didn’t have children at that time, so we often make appointments to play together.

Ever since I met her, she has spent a lot of money. She always rushes to pay for money when we go out to eat. She wears clothes that cost one or two thousand, and carries a good bag, so I always thought that her family Condition is good.

At the end of 2015, I was planning to buy a house, and my girl also wanted to buy a house, so I asked her to buy a community with me, and she readily agreed.

Later, we went to look at houses together. I was looking at a large apartment of more than 140 square meters, and she was looking at a small apartment of 98 square meters. The house seller said that if we bought it together, we could get a higher discount.

After discussing with my husband, I felt that the location of the community was good and the apartment layout was square, so I paid the deposit. The girl also said that she would go back to her parents to ask for money for a down payment.

I calculated that if we discounted more, we could spend 20,000 yuan less, which made me feel happy. Unexpectedly, a week later, the seller called me and said that the girl had not paid the deposit and we probably would not be able to enjoy the discount.

I quickly called the girl. The girl hesitated and said that her parents felt that the location was not good and would not let her buy it. The girl blamed herself very much and kept apologizing to me.

I quickly comforted her, don’t buy it if you don’t want to buy it, don’t blame yourself. In fact, we have already paid the deposit, which means that because she regretted it, we have to spend an extra 20,000 yuan.

I asked her how much she wanted to borrow, and she said: Lend me as much as you have!

I had some money at that time, so I transferred 30,000 yuan to her. She accepted it with great gratitude and once again said that she would give it to me when her mother reimbursed her.

After her mother was discharged from the hospital, she never mentioned repaying the money. I am a thin-skinned person and I was embarrassed to ask her for it. Later, our house needed to be renovated, so I had to speak politely.

As a result, she said: My family recently bought a house, and my mother didn’t give me any money. I’ll pay you back 5,000 yuan first! Out of consideration for my colleagues, I had no choice but to give up. I also sympathize with her in my heart. Her mother has just been discharged from the hospital and her family is buying a house. She can understand even if she has no money.

She and I were on a business trip at the end of 2017. We lived in a standard room. She took out a cosmetic bag from her suitcase, which was filled with top brands.

While washing, she looked at my skin care products and said: Why do you still use Dabao? You are 32 years old, you need to take care of yourself!

I smiled and didn’t know what to say, because my husband and I are from rural areas and have poor economic conditions. We have developed the habit of saving since we were young. I was asked to buy a bottle of cosmetics worth 2,000 yuan. I really can't bear it.

When the girl saw that I was silent, she probably remembered that she still owed me money, so she said: In fact, this kind of expensive skin care products can be used for a long time. Look at me, this one costs 2,500 yuan a bottle, but it can Use it for one year.

I nodded, feeling a little dissatisfied, so I said: Why don't you pay me back first? I've been really poor recently.

The girl immediately darkened her face and said: I will pay you back if I have money. Do you think I look like a deadbeat?

I stopped talking because I knew I would never get my money back.

The girl turned on the TV without even looking at me. I felt like I had swallowed a fly and felt very alienated. Later, our relationship became that of ordinary colleagues. I asked her to pay back the money three times, but every time she said: I will pay you back if you have the money.

Why do some people live as if they are rich even though their income is not high? From the girl, I summarized several characteristics of this kind of person:

There are four or five friends around the girl, all of whom have well-off families and spend a lot of money. When they are together, they compare with each other. , to see whose bag is expensive and whose clothes are good-looking.

In this environment, girls can easily become vain people and be tied up for consumption. Therefore, making friends is still very important.

As the saying goes, "It is easy to go from frugality to luxury, but it is difficult to go back from luxury to frugality." Once a person is accustomed to high consumption, she will not be able to live a hard life anymore. Just like a girl, her parents earned a lot of money for a few years, so her lavishness became a habit. If she was asked to live a frugal life, she might not be able to accept it.

Many girls think that carrying a brand-name bag will make them stand out and others will look up to them. In fact, no, if you carry a 10,000 yuan bag to take the bus, people will only think that you are carrying a fake bag.

I think people should still live within their means and do whatever they can with how much money they have. They should not embarrass themselves or pretend to be fat.

If you already have this tendency, how should you stop it? You can start from the following aspects:

Many of people’s problems are to fill up their free time by signing up for a dance class, painting class, or semester class. If you really don’t have money, go for a run in the park. If it is full, there will be no time to spend.

Have you ever tried to make money? Watching the numbers in your bank card keep increasing every day is actually very happy. When you change your interest to making money, you will naturally know it.

The difference between people lies in the fact that outside of 8 hours, if you cultivate interests and hobbies and work hard in a certain aspect, you will naturally find your own value.

My husband’s mother should be this kind of person. People who don't have a close relationship with her often think that she is a person with a good family background. They feel that she is very stylish in everything from food, clothing to housing. It is impossible to tell that she owes a debt that lasts for more than ten years and still lives in a house. Adobe houses and wooden houses. Her husband, my father-in-law, is a very hard-working man. He does all kinds of work at home and outside the house. He works so hard every day that he will fall asleep if he just sits around for a few minutes.

My mother-in-law gave birth to two sons in her life, and my husband is the eldest. Maybe it’s because she is the only woman in the family, and the men dote on her. Every woman loves beauty, but like my mother-in-law It's rare for someone to borrow money to buy new clothes like this. No matter how expensive the clothes are, she will buy them as long as she likes to borrow money. Anyway, even I can't bear to buy them at a price.

Today’s food was not to her liking, so she took the money and went downstairs to buy something to eat. I asked her where to buy it in her hometown in the countryside. She said she would buy snacks and fruits to keep at home, and she would eat fruit snacks when she didn’t want to eat. I said it’s okay, your son didn’t follow your example and can eat well. She said, the fruit snacks belong to her alone, not even her son. Not to mention my husband. Well, I said your family has a young lady!

When we went shopping, we thought that taking the bus would be convenient and save money. But she couldn’t and had to take a taxi. She could go directly to the door and save walking. I chose to ignore it and scolded us all the way. When buying clothes, choose the most expensive ones, the most floral ones, and the brightest ones. In her words, red and pink ones are suitable. She has liked flowers since she was a child. Expensive ones must be of good quality and not bad. I mean your wardrobe. She's older than me and your son and grandson. When will you finish wearing the closet full of clothes? She said, "I don't like to wear those old clothes. Well, people want to wear new styles and keep up with the fashion." Then my husband and I will continue to wear the old style! Save some money and buy my son two changes of clothes! After buying clothes for grandma, I went over the budget. Today I came to buy clothes for my grandson. The child has grown so fast that last year’s clothes are too small!

She felt hot after taking a bath in the middle of winter. She refused to wear thick clothes and walked around the house in her autumn clothes and trousers. Since we have no heating in the south, we only turned on a heater. She got used to taking a bath and catching a cold once a week, and the doctor even bothered her when she went to the hospital. Oh, that cold person who just needs some medicine but insists on hanging a hanging bottle is here again. But I have to go to work, so I can’t always take time off to accompany her to do the water treatment. It would also cost money to do the water treatment for three days every other week. Can her son and I not go to work? She said that taking medicine takes too long to heal, but taking dialysis injections heals quickly. I said that always taking dialysis needles is bad for your health, but occasional injections are fine. She also said that the doctor must prescribe the most expensive and best medicine for her. , I said okay, after you take a shower and get dressed, don’t catch a cold again. I’d like to use the money from the hospital to buy you beautiful clothes.

Most of the people in our village. While eating some hot pot with vegetables and meatballs, smoking Chinese cigarettes, and chatting with the three best people in the village: a naval officer, a businessman from Beijing, and a professor from a certain university. These three people were very familiar to me when we were young. Without my family, there would be no one like him. It makes my ears tingle.