Save more money, it's expensive to live!

seeing that this year is coming to an end, no matter whether others ask you or not, you will ask yourself in your heart: how much money do you have left this year?

after opening a bank card, I found that I thought I had earned a lot, but in fact I didn't save much.

then the soul asks: where is all the hard-earned money?

A few days ago, there was an online discussion: is it normal for the post-90s to have no savings?

some people say that today's young people earn less and spend more, so it is difficult to save money.

in fact, it is difficult for most people to make money from open source.

when people reach middle age, it is not easy to make money. Save more money. After all, it is expensive to live.

01

it is difficult to make money, and it is even more difficult for people in middle age

to watch a news.

A deputy director in Beijing, in order to experience the life of ordinary people, decided to be a takeout clerk for one day.

I thought it was not easy for a takeout worker to ride a bike around, but he was so tired that he was aggrieved at the end of the day.

his day went like this:

because he was not familiar with the environment, he could not find where the store was at first;

rushed to get the meal in a hurry and could not rest, so he immediately rushed to the buyer's address;

at noon, the snowflake-like order flew in, but there was a traffic jam on the road, and the order could not be picked up, and the takeout could not be delivered, so he had to wait anxiously in place.

even if the meal was delivered with great difficulty, he was fined for overtime.

originally, there is not much money for an order, but it will be deducted.

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at the end of the day, Director Wang delivered only six orders of takeout and made 41 yuan.

finally, he sat on the curb and said sadly, "it's really not easy. I feel aggrieved."

"after running for so long today, I made so little money, which is so far short of my goal of 100 yuan."

"this money is really hard to earn!"

what's even more gripping is that at the end of the day, a real takeout guy said to him, "those of you who sit in the office will never know our pain."

when people reach middle age, some people are clean and decent in tall buildings, while others shed tears in the wind and rain.

in this world, there are only a few people who are rich in food and clothing, and many are the dusty majority who struggle to make a living.

for ordinary people, it is difficult to make money, especially at a certain age.

some time ago, a fellow-villager asked me if I had a good job and introduce him.

my fellow-townsman is already 42 years old. He came back from the job market and said in dismay:

it is too difficult to find a job now. Either you don't want anyone over 35 years old, or the salary is pitifully low.

how can you raise a family with such a little money? During the

period, he interviewed many companies, one of which offered a price slightly close to his expectations.

it's just that the company hasn't replied for a long time, so a few days later, he went to a lower-paying job.

there is no way, the daughter of the family is in high school is a tight time, the wife's health can not be too tired, the family's wage chain can not be broken.

but unfortunately, the company called the day after taking up the job, but the fellow-townsman has already signed the contract with the current company.

the world is always like this. The rich have more choices, and the poor have no choice at all.

it is often the case that the money is used elsewhere before it is warmed up.

when people reach middle age, it is difficult to make money and even more difficult to save money.

02

people who have been poor find it difficult to save money

there is a kind of people in life: people who are difficult to save money are always poor.

they seldom feel the taste of money, so they have some money on hand, not saving or investing, but spending immediately.

there is such a psychology in psychology, which is called "compensation psychology".

it is said that those lives that have been owed will spend money to make up for their missing lives when they are a little better off.

Poor Dad, Rich Dad talked about the reasons why poor people can not get rich. Apart from the necessities of life, they will not delay contentment.

as soon as they earn money, they will spend it immediately, buy a bottle of beer to reward themselves after a hard day, eat a delicious meal and spend the money immediately, or spend the money on fun projects to save their tired bodies.

to make matters worse, people who are not satisfied will overspend as soon as they have the opportunity.

once people fall into the quagmire of desire, they are easy to be swallowed up by desire.

I have a cousin who has worked for many years and has been unable to save money.

when she asked her where she spent the money, she said she didn't know that the money was always insufficient and ran out as soon as she got it.

but it's easy to go to her room.

the room is full of clothes that used to be popular, as well as all kinds of bags and shoes.

there are all kinds of big-name skin care products on the dresser, thousands of them each.

besides, my cousin doesn't hesitate to eat and buy the best of everything.

people who don't know think that she either has a high salary or a good family.

in fact, my cousin is just an ordinary migrant worker, and her family is originally a very ordinary working family.

once my uncle suddenly fell ill and was hospitalized. The hospital told her to pay an operation fee, about 20,000 yuan, but she couldn't even take it out.

Bank cards don't have much money, and they have to pay off high credit cards every month, so they have to borrow money from their cousins crying on the phone.

after all these years, my cousin didn't make any money, of course not.

in the words of my cousin, when I see other people carrying beautiful bags, I also want to buy them.

the work is very hard, so I always want to compensate myself in various ways, one is for vanity, the other is to satisfy myself.

so, for the sake of immediate satisfaction and desire, I spent all the hard money I just got, but in the end I was empty-handed.

the more people who have not been treated well by life, the more they seek to make amends elsewhere in order to achieve emotional balance.

their creed is: if you get drunk today, worry about tomorrow.

once they have money, the first thought is to spend it, enjoy it, and finally enter the endless cycle of no money.

I didn't realize that saving money is the answer to the adult world until I was badly embarrassed by money.

also gradually understand that the more money you have, the more you have to find ways to save money, save money, and save money.

at critical times, only when you have money in your wallet can you resist the risks of life; only by saving enough capital can you have the opportunity to make money.

03

using saving as self-discipline will become a habit

the reason why you can save money: either open source or save money.

when people reach middle age, it is too difficult to make money. If they can't make money, they have to save money.

I saw a news some time ago that Wang Shenai, a 32-year-old Douban woman, said that she had "scratched" two apartments from between her teeth after graduating nine years ago.

Wang Shenai's way of saving money is very strict.

in order to save money, she never parties with colleagues and seldom buys new products.

clothes are all used clothes of friends, and daily necessities are either bought in groups or with coupons.

maintain such savings, with a monthly savings rate of 90% of your salary.

this way of saving money is generally very difficult for most people to achieve. The purpose of cutting expenditure is not to make life tight, but not to spend money indiscriminately on the premise of living a good life.

there are only two reasons why most people can't save money: first, they can't control the desire to spend money;

second, they don't form the habit of saving money.

to solve the first point, the first concept we need to understand is that there is no need to spend a lot of money.

I don't believe that if you open the wardrobe, there are sweaters that are lying on sale and have not been worn once;

the small things bought in order to fill the reduction will be useless for the last time, and they will take up space.

the first principle of spending money is to pay for the moment.

the money spent because of hoarding turns out to be a waste.

every sum of money we spend, we never "overspend". The first thing is to never spend money beyond our means, and the second is to try not to pay for the future.

you don't know what will happen in the future. What you like now may change in a few months.

the second principle of spending money is that practical value is greater than anything else.