There are many girls around me who have been working for three or four years and still have enough money to pay for their credit cards. They feel extremely anxious at the end of the month and the end of the year.

If you want to completely get rid of the moonlight clan, you must first develop the habit of regularly taking stock of your liabilities and assets.

Making money is based on the concept of "flow", that is, cash flow. It seems that the salary is not low every month and is paid regularly, and you earn a lot. How can you live so poor?

In fact, what wages bring is only superficial cash flow. It is just a "flow" and cannot be counted as a personal asset.

For example, if you earn 10,000 yuan a month, but immediately spend 10,000 yuan the next month, the money will just flow through you, leaving nothing behind.

Or maybe you earned 500,000 in one year, but spent 1 million in the second year. In fact, you became a "big loser."

Assets can be divided into cash and cash equivalents, investment assets, and self-use assets; liabilities can also be divided into consumption liabilities, investment liabilities, and self-use liabilities.

Consumer liabilities include our credit card bills, JD.com Baitiao loans, borrowed money and Huabei debts, as well as borrowing money from friends and classmates to buy things, that is, various liabilities arising from personal consumption.

The answer is clear after calculating it one by one. It turns out that this is how the monthly salary disappears little by little.

Investment liabilities correspond to investment assets, which are liabilities arising from investments.

For example, if you own a home in Shenzhen, take a loan of 2 million yuan, and buy an investment house worth 2.5 million yuan for rent in a third-tier city in your hometown, this investment house is an investment asset, and the loan of 2 million yuan is an investment.

sexual debt.

In addition to investing in buying a house, there are also people who borrow money to buy stocks, funds, and bank financial products. These can all be regarded as investment liabilities and listed one by one. They need to be subtracted when calculating net assets in the end.

Self-use liabilities also correspond to self-use assets, that is, debts incurred by buying self-use houses and self-use cars.

Or borrow money from relatives and friends to buy a house or a car.

The net assets obtained by subtracting the total liabilities from the total assets are the wealth that truly belongs to you!

Many girls feel that they are still very rich when they see the monthly salary coming in, but after calculating their net worth, they realize that they are so poor.

Among these three major liabilities, the main culprit that makes many girls become moonlighters is consumer debt.

In today's highly developed era of materialistic commodity economy, every sight is filled with advertisements that stimulate your desire to consume.

I don’t know since when, society has advocated a trend that only girls who can spend money can make more money, and only girls who can spend money can be loved.

The typical characteristic of consumerism is to tie consumption with personal social labels, allowing you to pay more money for personal labels.

Abbreviation: What you buy is what you get; what you buy is what you get.

For example, these advertising copywritings that directly hit people’s souls: There is no point in buying a dress you liked at 20 years old at 40 years old; A delicate pig girl must have her own brand-name bag; How can a 30-year-old woman not use the best eye cream?

; When you wear Chanel, your soul is that of a fragrant woman; It’s really ugly when you don’t want to spend money to pamper yourself.

It seems that if you buy XXX, you will gain happiness, if you buy XXX, you will have personality, if you buy XXX, you will be exquisite, and if you buy XXX, you will live a sunny life.

On the contrary, you are not an exquisite woman, and your life is boring.

Many girls go further and further on the road of shopping and shopping, unable to look back.

I feel extremely painful inside but I can't control my desire to chop my hands.

When the gap between consumption desire and consumption ability becomes wider and wider, the process of demolishing one wall to make up for the other begins. More and more credit cards are issued, the Huabei borrowing limit increases rapidly, and people start asking classmates and friends to borrow money here and there.

The most frightening thing is that many girls have embarked on the road of selling their dignity and body.

For example, the naked loan incident has caused quite a stir.

In order to get a loan of several thousand yuan, they did not hesitate to use nude photos and videos as collateral. What they did not know was that the weekly interest on these loans was as high as 30%. If they borrowed 2,000 yuan, they would have to pay up to 600 yuan in interest every week. If they could not repay on time

The loan will continue to accumulate interest until it reaches an astronomical figure that is unaffordable, and the borrower's life will be destroyed and withered as a result.

Moonlight is not scary, but what is scary is that it develops into uncontrolled consumption, does not know how to manage one's desires, and is eventually swallowed by the black hole of consumerism.

You can make money only if you know how to spend money, or you have to be willing to spend money for yourself. This is correct. The difference lies in how you spend money.

Really knowing how to spend money is not just as simple as buying yourself a brand-name bag, big-name cosmetics, or a bunch of accessories that make you look brighter, but using money to invest in your own brain, skills, assets, etc.