I remember when I just graduated from college in 2009, my monthly salary was only 1000. When my salary rose to 3,000,6,000,8,000, 1000, ..., I was still a moonlight clan. Where did the money go?
If you don't think money is enough, even if your income doubles now, you are still a moonlight family.
If there is no money to save in life, it is determined by your thinking and habits. Because you have no idea of saving money subconsciously, no amount of money can save you.
Those views that many people regard as "the thinking of the rich" are actually misunderstood.
Buffett said that once you have a brain to save money, you won't have the energy to cultivate a brain to make money. Buffett also said that the secret of his wealth is: saving and investing; Continue to save, continue to invest ...
A person's wealth accumulation is a snowball. First, he has the concept of saving money, and then he begins to save money. As Buffett said, "When he was a newsboy, he began to save money."
In fact, spending money is a person's instinct. People enjoy what they want by spending money, and saving money is a person's skill. Consider a person's binding force and self-control.
I saw a news two days ago that many companies closed down and employees lost their jobs because of the epidemic. This is a big blow to many families facing car loans and mortgages, and it will be a major blow if there is no savings.
No savings, no savings can not resist any risks, in the face of this sudden accident, only to realize the importance of saving money.
Give an example of a classmate
I have a high school classmate Xiao Wan, who is engaged in the education and training industry. It is more profitable to do training in a first-tier city like Shenzhen. Because the money comes quickly, Xiaowan spends a lot of money and contacts high-end people. At present, children can play soy sauce, and Xiaowan didn't get married for his career.
Xiaowan told me that young people should focus on their careers now, and it is not too late to get married after their careers are completed. He said that the successful man is not married in his thirties and forties, and now he has to accumulate more resources and contacts, and now he is distributing his own money to make more money in the future.
What Xiao Wan said makes sense, but less than a year after Xiao Wan said this, the COVID-19 epidemic broke out in China, which dealt a heavy blow to Xiao Wan's career and immediately crushed his confidence.
I called Xiaowan a few days ago and learned that the training industry was seriously affected. I have been eating old money now. Because there was no concept of saving money before, the old money could only last for a few months. If there is no source of income, I may have to sell a car to make a living, otherwise I can't repay the mortgage.
No one expected the epidemic to come so suddenly. Xiaowan's experience is just a microcosm. In real life, there are countless people who want to be like Xiaowan and re-examine their lives in the face of various external pressures.
Enterprises can't resist risks without cash flow.
I heard from a friend that one of his Hubei cousins worked in Jiangsu and just arrived at the company after returning to work. The boss of the company gave him three choices:
1, voluntary salary reduction of 30%;
2. The salary will be delayed for three months;
3. Submit resignation report (unpaid).
The boss told his cousin earnestly that the cash in the company's current account can only last for about one month. According to the current form analysis, it will not be restored until at least May Day.
The company has no way to give employees such three choices.
Faced with such a force majeure risk, enterprises have no choice. For people who don't usually have the habit of saving money, this epidemic must have brought you unprecedented pressure.
No one can predict when the risk will come, and no one can guarantee to see the sun tomorrow. The best way is to change constantly, because with deposits, you have the ability to resist risks.
"You don't manage money, and money ignores you", which tells us that "you don't care about money, and money won't care about you". People who can't manage money may lose everything if they give you more money. The well-paid moonlight clan in reality is the best example.
Saving money is not about not spending money, but spending money reasonably. Controlling one's consumption desire is one of the most effective ways to increase deposits.
This kind of pain before pleasure is called delayed satisfaction.
According to the definition of Baidu Encyclopedia, delayed gratification refers to a choice orientation that is willing to give up immediate gratification for more valuable long-term results, and the self-control ability shown during the waiting period. Its development is a necessary condition for individuals to complete various tasks, coordinate interpersonal relationships and successfully adapt to society.
take for example
I remember a colleague told me a very real inspirational story last year.
Xiao He, a colleague's fellow countryman, saved money to pay the down payment of a house in the city through his own efforts after graduating from college for three years. When the classmates around him are still worried about their work, Xiao He has already become a chartered woman and has an additional source of fixed income.
Someone asked Xiao He how to do it, and Xiao He said that the secret is "saving money".
Xiao He's life experience in these three years is also terrible. Without strong self-discipline, most people simply can't do it.
At that time, Xiao He's salary was around 6000, and his monthly consumption was controlled within 1000. I usually eat and live in the company, so I don't buy clothes if I can. If we really need to buy clothes and shoes, we will go to Taobao and Pinduoduo to buy them. We don't go shopping on weekends for fear of spending money, so we'll just have to eat noodles.
In short, Xiao He spent every penny on the cutting edge, and resolutely did not spend it where he could spend money.
Saving money is the top self-discipline of an adult.
When it comes to "home financing", many people will think of the bank's wealth management products, or invest in stocks, funds, futures and so on. In fact, controlling consumption desire is also a kind of financial management.
Most people may say that the income is not high enough and the money earned is not enough to spend on financial management. What I want to say is that it is precisely because you don't have enough money that you need to manage money. Distribute your income reasonably, control your consumption desire, cut off the consumption channels of flowers, credit cards and loans, and you will find that you can have a wonderful life without spending money.
Here, I can recommend reading a book about financial management called Millionaire Next Door.
The book introduces:
In the city, cars keep shuttling. Do rich people have to drive famous cars?
There are so many brands in shopping malls that rich people will definitely buy luxury goods.
Do people who live in luxury villas have to be rich?
The answer is not necessarily.
High annual salary and generous corporate benefits, do you think you can squander it? If you don't know how to invest and manage money, there is only one step between rich and poor. Changing the concept of wealth and consumption, abandoning the false mask of pretending to be rich, and living within our means are the lifestyles of the rich.
Through research, Dr. Thomas Stanley revealed the real consumption attitude of the rich to readers, and advocated frugal life rather than ahead of consumption. People who love luxury goods and spend money like water can't be rich. Happiness has nothing to do with your clothes, car and diet. The people who are most satisfied with life are those who live within their means.
If you want to be a millionaire, you must learn to spend wisely and invest carefully.
There is no best way to save money, only better. If you haven't found a suitable financial management method so far, you can try the following two, hoping to help you.
1, 10% rule
This rule is to quote a rich man, that is, put 10 coins in your wallet, but you can only use 9 coins at most.
This is the "10% rule": to ensure that 10% of monthly income is finally saved.
For example, if your monthly income is 5,000 yuan, 500 yuan should be a time deposit. Of course, if you have sufficient funds, you can consider increasing the proportion, but it must not be lower than 10%.
The principle of "10% rule" is that you should have a long-term current deposit that can maintain your basic life for 3-6 months.
If you persist for a long time, you will find that saving 10% has no influence on your life at all, and this fixed saving 10% can also help you cope with risks.
2.52-week savings rule
The above 10% is a monthly fixed deposit, and the 52-week deposit rule is refined into a weekly incremental deposit rule. This method is based on the arithmetic formula, insisting on taking out a part of money to save every week, and saving a certain amount more every week than last week.
For example, deposit in 10 yuan in the first week, 20 yuan in the second week, 30 yuan in the third week, and so on, and 520 yuan in the 52nd week.
In this way, even if the initial amount is only 10 yuan, the total amount will reach 13780 yuan by the end of the year.
This is a mode of increasing stress. If you feel a lot of pressure, you can reverse the order of the deposit amount, that is, change the increased amount into the decreased amount, and save a certain amount less than last week, such as 520 yuan in the first week, 565,438+00 in the second week ... 65,438+00 in the fifty-second week.
In any case, the operation is to save money better, and the money saved can better resist risks.
In the real world, money is a good thing. Without money, we can't go anywhere. Rich people can drive luxury cars, live in villas and take first class. Money can satisfy all kinds of desires. Without money, you may be blocked everywhere. Therefore, making money is the motivation and the purpose.
At the same time, people who make money are not as good as those who save money. The essence of saving money is the value of restraining desire, and it will not become the slave of desire and become the master of wealth.
In this uncertain era, risks are everywhere, but saving money is also a way for you to be responsible for your life; Saving money is one of the best ways to resist risks.
Finally, when you embark on the road to success, a high degree of thrift and proper restraint are the first steps to achieve financial freedom.