There is a stereotype in contemporary society that most post-90s people prefer spending money to saving money, and there is even a proper term: the new poor.

Of course, it is undeniable that many young people have a strong desire for consumption, but many people are becoming more and more frugal. For example, I saw some interesting stories on the Internet yesterday:

A post-90s Beijing code farmer: Coordinate Imperial Capital, a professional code farmer, with an annual salary of 60w and no clothes 100 or more. 1000 yuan mobile phone, used for 3 years, has not been changed, and the haircut has not surpassed that of 30 yuan.

A post-90 s generation in Wuxi, Jiangsu: I went to Thailand to play, and bought aloe vera gel for sun repair before I left. I didn't buy it online or on the basis of purchase. I went directly to idle fish, and I bought second-hand goods with half of my consumption left. It was used up, leaving 1/4. I went home and sold it on the second-hand platform. 65 yuan's things, finally only took 15 yuan to get it done.

A post-90 s snack in Beijing: I found the entrusted manufacturer, so I found the own brand of this entrusted processing factory and bought it. It tastes exactly the same. But the price is only half of the previous one!

……

Do you think it will save money? There are more powerful!

In Douban, I joined a group called "Cheap Men's Federation" and saw a lot of money-saving gods. A boy left a deep impression on me.

Although I work in a Grade A office building in the CBD of Tianhe District, Guangzhou, the estimated income is not low, but it really saves money.

He cut his hair for seven years, bought a hair clipper, and pushed his own board every four to six months. Cook your own noodles, 1 bag 1 yuan is enough for three days. In order to save money, he also used the company's microwave oven to cook noodles, saving water and electricity.

Do you think this is enough to save money? Then you are naive. He will not only use Ali's mother's commission chain to buy and get commissions, but also pay with a credit card and get points.

Not only that, he also bought a super waterproof bowl, because washing dishes doesn't require detergent and too much water. Of course, he can't just eat noodles. Huanhua 13 yuan bought four bottles of Pixian bean paste. He can not only eat sauce, but also separate red oil from bean paste and occasionally fry an egg to improve his life.

Of course, eggs have to be reduced in price. The above plan only costs 5 yuan for three days. ...

Although I don't recommend saving money with this intensity, I still suggest you learn from it, because saving money well can help you resist all kinds of risks in life and get the life you want. ...

In this regard, saving money is your top self-discipline; Deposit is your most solid background.

Saving money is your greatest strength against life risks.

Many young people not only spend a lot of money on their own, but also pay all kinds of mortgages and car loans, and there is not much deposit at all.

If life is calm, it will be fine, but if anything happens, you will find that you have no savings and no ability to resist risks at all.

In the sea of life, our life will have various ups and downs, and having enough cash flow on hand is your greatest confidence in resisting life risks. After all, your seemingly stable and happy life may be more fragile than you think.

For example, I saw a story on the Internet the other day:

Just a few months ago, A Bo lived a carefree and happy life. A Bo has a son and a daughter, and his parents-in-law take turns to help him take care of the baby. The provident fund is more than the mortgage, the income of husband and wife is not low, and the quality of life is not bad.

Later, Mr. and Mrs. Abao wanted to buy a school district house. Because there is still a big gap between the existing assets and buying a house, they not only sold the old house, but also borrowed 150W and 250W, and finally changed to a new house.

If the story ends here, forget it. After all, as long as their jobs don't change, they can survive the bullet. But what happened later brought a heavy burden to the abo family.

Abo's mother-in-law was diagnosed with cancer after physical examination and then hospitalized for chemotherapy; Abo's mother had abnormal hematopoiesis, and found 10% abnormal cells, and then she was hospitalized with bone puncture.

A Bo's father had a severe headache for unknown reasons, and his cognitive function declined sharply. One day, he couldn't find a job directly, couldn't find a toilet, and was hospitalized for investigation. He still doesn't know whether he can recover.

At the same time, the son who just went to the first grade is also disobedient, because adults have no time to care about him, and they are vomited by teachers every day. A Bo lamented that the happy life of middle-aged people is so fragile that no one knows when they will be knocked down by various difficulties.

If their family didn't change houses so radically, first, they would be richer economically, and the pressure would certainly not be so great. At least they can ask someone to help take care of the elderly. Second, the work pressure and psychological pressure will not be so great, and you can also stop a person's work to take care of your family.

This is also why I often advise my readers to save as much as possible, save as much as possible, and try to be conservative and not too radical if they are not rich.

You never know when the risk will come. Being rich means being able to bear it.

Saving money will help you become a better person.

I found that whether you have enough savings can largely determine whether you have enough confidence to try more opportunities and pursue a better self.

As many friends know, when I graduated for a year and a half, I met a good job opportunity. At that time, because I got the index of the company's settlement in Beijing, I lost the resignation fee of 20W Company in order to leave the original company.

At that time, many colleagues and friends felt incredible. After all, the salary of our unit was very low (4,900 yuan per month). How can a child from an ordinary family in a small county in Shandong be fined 20W at once?

Many people may not expect that the actual cumulative time from my decision to leave my job to my calling the company's finance department for 20 weeks and completing various procedures will not exceed one week.

Because I have worked under the official name of "Axiu in Attack" for more than a year, I have earned a certain income. In addition, I write columns very diligently. At most, I contribute to five columns in my official name. In the first half of 20 18, my monthly sideline income was close to 4W.

However, due to the short graduation time and rapid business promotion, I only have a small 10W. But because there is at least 10W and the expected income is not bad, my friend lent me 10W without hesitation.

Soon I changed my job, and my annual salary before tax soared to nearly 40W. In addition, the official WeChat account increased well during that period, so by the time I graduated two years ago, my annual income had exceeded 100W.

In order to save money, I specially set up a bank card. Every income I earn will be forcibly saved, and 30% of the income will be directly deposited in this card to pay back the money. I won't use the money at all, and I paid off all my debts in less than three months.

Things quickly entered a virtuous circle. After saving more than 30W, I finally decided to leave my last job and start a business.

I have this confidence because I found that even if I have no income at all, even if I live a little more comfortably and pay my two assistants, this 30W deposit will be enough for me to spend one year in Beijing.

Since I started my business for half a year, I have money in my hand, but I am not worried. Coupled with the positive cash flow, we have actively made many business attempts, the team size has become larger, and the income has also increased considerably.

This is what I'm talking about. The more money you save, the stronger your ability to resist risks, the stronger your ability and willingness to explore the world, the more positive and calm your attitude towards the world, and the stronger your ability to realize your self-worth.

I remembered a story:

About 1950, harper lee, a great writer later, worked as a ticket agent for British Airways. She loves writing, but she can only write in her spare time because of the pressure of life.

She knew that it was impossible to achieve anything by writing like this, which made her extremely painful. At this time, her two friends in new york, Mr. and Mrs. Brown, decided to help her.

They thought that harper lee was a talented woman buried in life, so they gave Harper Lee a check as a Christmas present. The amount of this check is equivalent to her salary for one year. In the envelope containing the check, a note was attached, which said, "May you spend a year writing what you like, Merry Christmas."

During this year, she finished the novel To Kill a Mockingbird, which sold more than 40 million copies all over the world. Of course, it is difficult for us to have such generous friends and donate one year's income for us to improve ourselves and realize our dreams.

But we can save our own money and lay a solid foundation for our growth.

Many people just don't have enough ammunition, don't want to give up, and don't have time to learn and progress. They can only stare at their work every day, unable to try any potential opportunities, and even have to be cautious when buying a section of 99 yuan's line for class.

Of course, some people would rather spend hundreds of dollars on a dress, or go out to dinner with friends to sing K than spend 50 dollars on a good book and 99 dollars on a class, which is likely to miss the knowledge that could have inspired them. It would be a pity.

Therefore, I advise you to save money well. Sufficient savings will make your pattern much bigger, so that your eyes will no longer be fixed on your rice bowl and pleasure, but mobilize your mind to find your own breakthrough point and embark on a road of rapid growth as much as possible.

You know, every penny you earn is a vote for the world you want.

Saving money is the top self-discipline.

Some time ago, when I was chatting with my friend about the Internet, he said:

"Teacher, I think one thing is terrible. Behind every mobile phone screen, there is a team of more than 1000 people studying how to beat your willpower.

They will use all kinds of powerful technical abilities and psychological research to guide you to spend more time and money on their products and commodities willingly.

They study your preferences and needs every day, push all kinds of goods and contents to you, and guide you to buy something you don't need at all. Even if you chop your hands today and regret it tomorrow, you won't get tired of it.

As a result, you bought a bunch of useless things with your hard-earned hard-earned money. "

In addition, many media and celebrities advocate high consumption. They often let many people fall into the trap of consumerism for their own interests.

The consequences are very serious. Let's look at several sets of data together:

1)20 18 In August, central bank data showed that the total overdue credit cards nationwide reached 75.667 billion yuan. In 20 10 year, this figure was only 7.686 billion yuan, which was 10 times in 8 years.

2) A blogger once did a survey on the monthly salary and savings of the post-90s generation. Statistics show that 70% of more than 40 thousand people have installment debts; 20% of young people, although not in debt, have never saved money; Only 10% of young people have fixed deposits every month.

3) The Report on the Consumption and Life of Young People in 20 1 7 shows that among the nearly 65,438+700 million post-90s generation in China, 1 person used flower buds, 2/3 people bought mobile phones and paid by installments, and1person had no savings.

4) According to a statistical data of HSBC, the consumption liabilities of the post-90s generation are 18.5 times of the monthly income on average. Even if you don't eat or drink for a year and a half, you can pay off your debts.

There are even extreme cases, a netizen left a message:

I have worked hard for a long time to buy a house. Husband wants to sell his debts, as well as credit cards and online loans. Recently, I have fallen into a vicious circle of online lending. I have paid the mortgage for two years. I said that if my house is gone and my home is gone, I will divorce.

I want to start over. In the past few months, I may have had a hard time every night. Every morning, I have to suppress my hopes, my work is not smooth, and I don't feel at home. It's terrible. Even for the sake of consumption, there are many young people who make extreme behaviors. Before that, there were 1 photos of naked women borrowing money, and then famous college students committed suicide because they owed 50 thousand online loans. The whole society is encouraging high consumption, but who will be responsible for your life except yourself? Therefore, saving money is the top self-discipline.

You should abandon all flashy desires, resist all kinds of impulses to spend money, keep money in your own hands as much as possible, and put limited resources into your own growth instead of spending money like water to get temporary pleasure.

I hope you understand these things about spending money and saving money.

1. Save money, the sooner you start, the better.

When 100 is not enough, it is not enough to earn 200 yuan, so it is better to save now than to wait until you earn more.

2. Save less if you earn less, and save more if you earn more.

At least 10% of the income is saved as an emergency reserve every month, and it is considered that there is no money. 10 years later, you will find that you have a lot of money, which can be used to buy a second suite, invest and so on.

Those who can save money are experts.

Because I don't want to enjoy it for a while, I can endure it for a while because of the pursuit of life. So do you want to have fun or win forever?

Of course, this has nothing to do with right or wrong, and I have no intention of kidnapping you with my point of view. It only involves your own choice.

You can't get rich just by making money.

Want to make money, yes. But no one has told you that you can't get rich just by making money. You must save money properly to become rich.

In essence, the ceiling of wealth is not how much increment has been added, but how much stock is left.

Try not to borrow money if it is not necessary.

If you are more careful, you will find that in recent two years, various companies, such as Didi, Sina Weibo and Xiaomi, are trying to lend you money.

If there were no usury, would they be so enthusiastic to participate in this business?

I have calculated that even if Alipay borrows money, it will still borrow 10000 yuan, with a term of 12 months and interest as high as 14.4%. Do you know how high this number is? If the principal is your salary for one year and the money is in your hands, your salary for nearly two months will be gone.

6. Try not to spend more money. Any small expenditure multiplied by 365 is huge.

I thought it was nothing to spend 30 yuan a day on Starbucks with my income. After starting a business, my mentality has changed and I feel that this part of the money is too wasteful.

It costs 1W just to drink coffee for a year. It's cheaper and more convenient to buy a coffee machine. After all, any small expenditure multiplied by 365 days will become a huge expenditure.

7. Always remember a rule of saving money: never exceed the budget.

No matter how luxurious the merchant is and how warm and amiable he is to you, as long as the purchase price is higher than your budget, then the two words are: don't buy it.

Before buying TV, I found that merchants would treat me warmly with all kinds of complicated packaging and promotion routines, and my budget was 3000 yuan. No matter what the merchants say or do, as long as I spend more money, then I have two words: I didn't buy it.

8. Instead of eating and drinking, it is better to buy two books and take several classes.

Even if you encounter bad books and classes, it is good to have a word that can inspire you. To say the least, reading and attending classes is much better than eating and drinking in the middle of the night.

9. Most people don't realize that there is an upper limit to the total income in life.

From this perspective, the problem of saving money has changed from "I will have money after spending this month" to "I only have xx thousand in my life, and I will spend one less point".

Looking at the problem from another angle, you will find that you are actually eating stocks, and sooner or later you will run out.

10. Don't spend money to get pleasure, save money to get pleasure.

Think about it, the number on the balance account is getting bigger and bigger, doesn't it smell good?