It is not difficult for modern young people to make money, but how to keep money and make more money is a big problem. Like my sister, the post-90s generation with savings is a minority. There is a price to pay for saving money like her.
Sisters in order to save money, TB, a shopping software, has been ruthlessly uninstalled, and life consumption pursues "Excellence", so it is not necessary to buy it. I just built my own coffers bit by bit.
Therefore, if you want to have more deposits, you must have a correct understanding of money. If you want to save money, you can't spend money indiscriminately. You can't save money if you spend money indiscriminately. Actually, it's fair.
So how can we save the "vault"?
At the beginning of the month, I got together with my sister A and another sister (B). In the teahouse, Sister B found that A's mobile phone screen was broken and recommended a new top-of-the-line iphone to A, but A refused. B also recommended an interest-free installment plan to A, and A refused again.
The reason for A's refusal is that in the past year, she got 20% of the income from the fixed investment of the fund, which is equivalent to earning her two months' extra income. Ten thousand yuan to buy a mobile phone, she thinks the value of investment fund is greater than buying a mobile phone!
In order to save money, it's really cruel not to change the broken mobile phone! However, we don't have to do this. Things that affect the quality of life can be reconsidered if the mobile phone is broken. But to save money, determination is necessary! There can be no deposit without determination!
As for how to save money, Sister A gave an example of her own: because of vanity, 10 million bought a domestic car, and for this reason, she paid back the car loan every month, refueled the car, and paid the travel parking fee. , seriously reduced her quality of life. Later, she gave the car to her brother, who paid off the loan. Usually travel by subway and taxi, the expenses are reduced, so I embarked on the road of accumulating deposits.
At the beginning of entering the society, many people have limited income. Coupled with unrestrained consumption, I am bent on satisfying my own desires and do not calculate my income and spending power. In my best youth, I was caught in a debt trap. Young and energetic physical strength and energy are not invested in the growth of my ability, which is not worth the candle. ...
Cutting expenses is an effective means to avoid falling into financial trap.
Although we can see with the naked eye that the big expenses of emptying wallets are rent, social security, loans and so on. These are always inevitable "necessary expenses". It is precisely those "small expenses" that really empty our wallets and cause us to have no deposits.
A new type of mobile phone may be affordable for everyone, and it can be phased at worst, and the amount allocated each month is not large. Bluetooth headset. If you like it, buy it. A useless backpack bought because it is cute ... These seemingly inexpensive expenses are actually the real culprit of "consumption desire", which steals our "reason" and "intelligence".
We don't care, because their quantity is not big. I bought one, but I still don't care about the next one, because I only spent a little money. So one after another ... I didn't realize that "small consumption" was actually the most, nor did I count that all "small consumption" actually accounted for the vast majority of our income.
"Small consumption" thus deceived our "IQ" and made us lose our rationality unconsciously.
This is not terrible. What is even more frightening is that "small consumption" not only consumes our money, but also steals the "hidden value" we have.
As A said, if you manage 10,000 yuan and do a good job in financial management, the income is 10%, and 10,000 yuan becomes 1. 1 10,000. And 1 10,000 bought a mobile phone, which depreciated to 8,000 a year later, and the difference reached 37.5%.
As you can imagine, if you accumulate those unnecessary small expenses, if you can get value-added benefits, how much difference will it be after one year compared with buying at buy buy? In two or three years, the gap is unimaginable.
The smaller the consumption, the more "spending money", because small expenses actually add up, because the smaller the consumption, the less value can be added, so they slowly capture our values.
Share my own little coup:
Spend no more than one tenth of your income every day. In addition to the hard expenses of repaying the loan, the balance is saved to enrich the national treasury.
Because I am an e-commerce, my income is different every day. If you earn less, you will spend less, and if you earn more, you will not squander unnecessary items. This effectively saves money.
I really can't help thinking that when I buy, I should set my consumption goals and hobbies higher and bigger: I don't buy anything except it. For example, if you want to buy a car, or buy a house as a shopping goal!
This method makes me less interested in small consumption, especially after saving enough money to buy a car this year, I don't want to spend money in small places more and more. Because the threshold of consumer hobbies has been raised, after the completion, the satisfaction brought by big goals is incomparable to small goals.
The most important thing is that the concept of consumption has changed, and more attention is paid to spending money on improving the quality of life rather than satisfying small desires. There are fewer and fewer small desires, more thoughts and time can be devoted to learning and making money, and the ability to make money can be improved. The vault is growing faster and faster, and its mentality is more calm and calm. This self-control satisfaction is completely different from the satisfaction brought by consumption.
Saving money is not just for the figures in the account, but for planning your life, making plans for your goals and trying to achieve them! Constantly surpass yourself and become a better self!