The significance of the above point of view is not to let us just save money foolishly-just saving money can't escape inflation-but to save enough money as the principal to buy high-quality assets. I'm afraid people in China like to save money all over the world, but for many young people, especially those in big cities, saving money is a very difficult thing to accomplish. Therefore, there are words such as moonlight clan, kanu, negative woman and so on.
Why do many people always fail to save money? It is understandable if one's income is too low to save money. However, many high-income friends in big cities can't save money, which is worth pondering.
A forest in the south of the Yangtze River analyzes this problem according to its own experience and numerology. Jiang Nan Yilin concluded that he could not save money for five reasons.
Improper making friends Jiangnan Yilin said improper making friends here refers to making friends that should not be made, even villains; The second refers to the wrong way of getting along with friends.
Say to the small room, invite people to dinner and entertain people; Generally speaking, lend money to friends; Or cooperate with friends and fail to start a business; Or cheated by friends and customers; Or too many brothers and sisters to support and so on. These are mostly the consequences of shoulder to shoulder, robbing money is taboo and making money is the best.
Jiangnan Yilin often meets such customers and friends. They usually get along with people generously and associate with friends. Because the dough is too thin, nine times out of ten, they pay for their own meals, one hundred and two hundred and two thousand and three hundred at a time, which is not a small burden after a long time.
Suggestions for solving this kind of broken money:
The first point: summarize and reflect on the friends you have made for many years, which are true friends and which are just snobs. Some people associate with you mostly at your expense. When you need his help, he can hide faster than a rabbit. You'd better give up this kind of "friend" early. There are also some friends who always fool you into doing something unreliable. You lose money, he benefits from it. This kind of person is even worse. The second point: be polite to your friends. Although it is not necessary to calculate the gains and losses accurately, it is generally balanced. It's my treat this time, and it's your treat next time. Make a difference. Being tired by others "being tired by others" here is also related to making friends, but it is a relatively independent special case. It means that we have not made mistakes ourselves, but we are responsible for the mistakes of others and indirectly participate in them. The financial losses caused by such participation are usually huge.
The most typical boring thing is to be a guarantor for others. In the end, someone else broke the money and ran away, so you can only be a guarantor and bear the responsibility. There is an old saying: no matchmaking, no guarantee, live in peace. Maybe some people don't understand the side effects of matchmaking. In fact, this sentence was used more in the old society. You help people become matchmakers, and they get married. After that, the couple quarreled, ran to your house at every turn, quarreled at your house, and even blamed and took it out on you as a matchmaker. Do you think you are bored? Of course, social problems are not so serious now.
Take responsibility for others, and there is a more common one, lend the car to others. It's very kind of you to lend your car to others, and someone else had an accident driving your car. It is your bad luck. You go to a booze party, and someone at the same table drinks and drives. If you find out, you may also be implicated.
Another typical situation is that your friend has personality or personality problems, such as being too impulsive, reckless and even having bad hobbies. Too much contact with him will inevitably be dragged down.
Suggestions for solving this kind of broken money:
No matter who the other person is, if your financial strength is not enough, you must not be a guarantor for him, even if he will give you some benefits in the short term. If you want to vouch for someone, don't just consider the income, but pay attention to whether you can afford it in case of default. If the other person is the kind of person who acts impulsively or misbehaves, you'd better alienate him so as not to occupy the package. Excessive consumption in this respect, Jiangnan Yilin does not say that everyone knows. The so-called living within our means means reasonable consumption. If you earn 5,000 yuan a month, buying a donkey bag of 20,000 to 30,000 yuan is definitely vanity, which is excessive consumption. It is also very undesirable for some people to cash out their consumption with credit cards. Good use of credit cards has many benefits. If you use a credit card to cash out more than your income level, it is tantamount to drinking poison to quench your thirst.
Suggestions for solving this kind of broken money:
Learn to keep accounts, carefully analyze your income and expenses, and eliminate unreasonable expenses. If the consumption level of your workplace or life circle far exceeds your economic level, then alienate this circle appropriately and reduce communication. There's no need to punch a swollen face and pretend to be fat.
Blind investment is particularly common in recent years. Jiangnan Yilin has seen many friends being cheated when investing in P2P. As a result, the platform thundered and ran away, causing these friends to go bankrupt and get into debt, and they returned to before liberation overnight.
Regarding investment, Yilin Jiangnan suggested: Don't enter the field you don't know very well. It is dangerous to blindly follow the trend! Similarly, even if you are a good swimmer, don't swim in strange waters!
If you don't know anything about stocks, futures and foreign exchange, don't blindly cut into these fields. If you don't know about virtual currency such as Bitcoin, don't blindly invest in virtual currency! It is often the most dangerous time if even the aunt who buys food on the street is discussing an investment project. You'd better cover your pockets and stay away!
For those projects with higher income than normal, we must be vigilant and beware of Ponzi scheme! Unreasonable income levels can't last long. Don't take chances, the buyer is not as good as the seller!
Suggestions for solving this kind of broken money:
You want to manage money and invest, and your starting point is good, but you must study systematically and comprehensively and know yourself. Don't blindly listen to others recommend a stock or a fund, you should buy it. You must understand the logic.
Deceived Jiangnan Yilin's emphasis on being deceived here mainly refers to being too simple or credulous or making improper decisions, and finally being fooled into spending money or being cheated.
This may involve many aspects:
For example, because online dating is biased by online scammers; For example, being fooled into doing some unreliable WeChat business; For example, being fooled by various garbage health care products; For example, pay for some unreliable knowledge; ……
Suggestions for solving this kind of broken money:
Don't be greedy and cheap, be good at analysis. If you are not good at analyzing and distinguishing true from false, then you should remember a sentence from Jiangnan Yilin: When someone sells you a high-return investment project, you must ask: If this project is so profitable, why did you tell me? I am not your father or mother. Why are you so kind to me?
No one will sell their cornucopia, I hope everyone will always remember this!
Someone tells you that a project has a stable 20% income. You can just tell him: Really, that's great, then do it yourself. You can go to the bank for a loan, and you can make a lot of money by subtracting the interest rate of the bank loan from the 20% income! Congratulations on making a fortune! Someone told you that eating a certain product can cure all diseases. Just tell him: Really, that's great. Let your parents eat for ten years first, and then tell me when your parents are immortal!
Judging whether a person is easy to leak money or not is easy to be deceived. In fact, a lot can be seen from the eight characters. The above five points of Jiangnan Yilin are summarized according to numerology.
If you want to get rich, you need to learn financial management and financial knowledge seriously, and you need to be calm, restrained, not blindly obedient and not greedy. Don't always think about getting rich overnight. If you have a wrong attitude, you will be easily attacked by all kinds of evil spirits.