Interview and writing | Du Juan As the epidemic continues for several years, almost everyone has been trapped in an "unstable" emotional whirlpool.

The great waves of the times are coming one after another. Faced with the fearful wave of layoffs and the isolation period with no end in sight, I try to convince myself, "If you can't, just lie down and do whatever you want," while watching the balance of your mortgage, car loan, and salary remain unchanged.

The carp said, "Hurry up, help me up, I can continue to hold on." So, this generation of young people woke up and realized, they chose to engage in a long-term struggle, show the spirit of the "stingy master" Grandet, and vowed to

Find a sense of security and confidence in every gap in life.

Those born in the 1990s are taking great strides to join the army of saving money.

According to the 2020 version of the "Post-90s Savings Report" released by the China New Economic Research Institute, in 2020 alone, the proportion of post-90s savings increased by nearly 40%.

New terms such as "moonlight tribe" and "shopaholic" that were coined a few years ago are gradually disappearing.

People who were once kidnapped by consumerism are now gradually becoming the main force in saving.

Looking at the balance that is only increasing but not decreasing may be able to somewhat relieve the anxiety caused by the general environment.

Even though we are still far away from financial freedom, saving money seems to be one of the lowest-cost ways to achieve happiness at the moment.

An Ordinary Young Woman's Extreme Savings Strategy The moment Xiaoyu, born in 1992, truly realized that she needed to save money, came from a "side reminder" from her best friend.

My best friend got married early and had a child as a matter of course. However, it was only after the marriage that she discovered that her husband owed hundreds of thousands of dollars in debt, so her life has been very tight.

When she was lying on the hospital bed preparing for a caesarean section, her best friend's bank card balance was less than 4,000 yuan, which was reserved to pay off her mortgage next month.

My best friend told this incident to Xiaoyu half-jokingly and half-warningly. Xiaoyu looked at her best friend in disbelief, thinking that this was a horror story that existed in the 21st century. She said, "If you let me and I

If my best friend changes position, I will most likely suffer from postpartum depression.”

After chatting with her best friend, Xiaoyu deeply realized the importance of saving money.

In order to have money in hand and not panic, Xiaoyu formulated a long and stable money saving plan, which she planned to implement after she officially started working.

Xiaoyu's usual minimalist style desktop After graduating from graduate school, Xiaoyu joined a foreign company. Because of his good performance, he was promoted to a leader within a year of joining the company.

Now the average monthly income is RMB 15,000, and I maintain a monthly savings rate of 70%. In two years, I have saved nearly RMB 200,000.

Xiaoyu calls this money "the money is gone". Although it is not much, it is enough to enable her to shout "It's gone, I'm quitting" when she encounters unfair treatment at work, and then she still keeps doing it.

Can live a stable life for a period of time.

How to save money efficiently?

Xiaoyu shared her secret: spend money to find a replacement when you should, and brainwash yourself crazily when you shouldn't.

For example, if she needs to buy some clothes, she will open three software at the same time, including but not limited to Taobao, Pinduoduo, and Xianyu, copy and paste the pictures of the same style, and use the "search for the same style" function in various software

, you can see many similar products, and then compare them one by one. After measuring the return standards, place an order carefully.

In order to save money, Xiaoyu doesn't mind wearing second-hand clothes.

As long as the clothes are cheap and easy to wear, it doesn't matter whether they are old or new. As a result, except for coats and jackets, the average price of basic clothes in her wardrobe is around 20 to 30 yuan, and nothing exceeds 40 yuan.

As she lives a "simplified" life, she often sells clothes she doesn't wear often. She has sold more than 90 items so far, earning more than 17,000 yuan.

Xiaoyu's transaction record is "equivalent to exchanging one low cost for another low cost. No one can earn a penny from me." In addition to clothes, daily necessities will also be stocked on demand, targeting every big sale date.

During "618", "Double 11" and "Double 12", focus on stocking up on consumables, such as toilet paper, sanitary napkins, laundry detergent, and disinfectant. You can buy enough for a year in one go, and the cost is controlled at around 400.

Ultimately, contrast and substitution are the point.

For these consumables in daily life, she prefers to use them as they are used. No matter the brand, as long as they are cheap, she can always find products at the price she wants after browsing through 4 or 5 apps.

The time wasted in the comparison process is the price she must pay for pursuing "cheapness".

As a migrant worker living in a different place, eating is also a very fixed expense. Xiaoyu also has his own trick on how to streamline it: don’t let go of every opportunity to get cash back for good reviews.

First, find a merchant with good reviews and cash back, and then try to only eat from this takeaway restaurant.