Editorial:
Good morning, recently, Alipay's bill has been overloaded with Time line, and almost everyone is saying that it is only after reading the bill that they know that they are so rich that they can spend 12 million a year.
As a result, the word "well-to-do" has sprung up online, looking at consumer bills, which are rich enough to make it difficult for him to take out thousands of dollars in cash.
So today, I'd like to talk to you about money and hope that in the new year, you will all be more and more rich.
Some time ago, my friend asked me to borrow money, not much than 600 yuan.
To be honest, I was surprised at the time.
Because, her income is not low, the annual salary is almost three hundred thousand, and did not raise children, mortgage repayment, car loan pressure, how to need to borrow 600 yuan.
Later, she told me that because my father had a cold and pneumonia, she needed a week of continuous drip, when the clinic could only transfer money, she did not have so much cash in the card.
As for what the money did, she didn't know it herself. "I think it's all Taobao. I have to take a couple of couriers home almost every day."
Once saw a joke on the Internet:
When American women are unhappy, what they need most is a warm hug and a soft consolation: "You need cry!"
When Chinese women are not happy, the most need is, express a phone call from the younger brother: "have your express delivery!"
Friends say that every time against the work of the uncomfortable, is to buy, because every time buy can make them feel the value of the job.
But the end result of this kind of purchase is that there are lots of things that I don't like when I use them, and I owe a lot of money on my credit card.
According to one data, eight out of ten young people today are in debt, mostly because of overspending, many of them several or even dozens of times as much as salary.
Young people in debt don't care at all about these things. They always think the days are long, they are still young, and sooner or later they can solve the debt problem.
But how do they know that all gifts in life have long been priced in the dark.
Like Matilde in the necklaces, it took ten years to pay off the "debt" owed by vanity, at a cost much larger than the original debt itself.
Poor people's minds can ruin people
In poor father, rich father, poor father is a university professor, he is well-educated, has the doctorate title, belongs to the elite of the society.
But he doesn't spend money at all. When he's rich, he spends too much, and when he doesn't, he runs out of credit cards.
That's why he spent his whole life struggling with finance, until the end of the day, only a pile of bills was left for his children.
The poor father became poor because of his poor thinking.
What is the mind of the poor?
Is to make money impossible to see correctly,
It is always difficult to deal with financial problems.
This kind of thinking has nothing to do with whether you have money or not.
In real life, many people have a good education, and people with stable jobs will have "poor thinking", such as:
Always buy, especially when you see a discount, you can't control yourself.
He never keeps accounts, just earns dead salary, and never wants money to make money.
Usually it's okay, but if you get sick and stay in hospital, resign and marry will be a little stretched.
In the last 20 years, Europe and America lottery winners have broken 75 percent in five years, according to a survey by the National economic Research Bureau.
People who have the minds of the poor, even if they get rich occasionally,
Will soon become poor.
Those who have "rich minds", even if they are not well educated, may be at some stage in the economic crisis, but they will also have access to resources in a reasonable way.
As Rockefeller, the oil king, put it:
"even if you strip my clothes clean and throw them in the middle of the Sahara desert, as long as a caravan passes by me. I'll be a new millionaire. "
/ unwieldy desires
One of the most common phenomena in poor people's thinking is buying.
My cousin is a shopaholic, has hundreds of reasons to buy things every day,
"the boss scolded me today, I want to buy a bag to cure all kinds of diseases!"
"the male god asked me to see a movie at the weekend. I have to buy high heels. High heels are women's weapons!"
I have to buy a bottle of lady's essence to repair because I have stayed up too late these days and don't look good.
Buying, is a common disease of women, as long as within the scope of ability, this is nothing.
But cousin encounters the biggest problem, is buys the thing more and more advanced, the consumption level is higher and higher.
The economics's Dusenberg found that a person's consumption behavior was not an ideal plan, and that consumption itself depended on his consumption habits and consumption at the highest levels of income in history.
So, even though his income is falling, he will still keep spending at the "peak" of the past by cutting savings or borrowing.
To put it simply, it is often said that from thrift to extravagance, from extravagance to thrift, from thrift to thrift.
This phenomenon, in psychology, is called the "ratchet effect."
The so-called ratchet, is a common gear in life, is a kind of mechanical parts.
Generally speaking, the ratchet and ratchet drive the whole machine by biting each other.
The ratchet, however, moves in only one direction and can only continue to move forward, not backwards.
Use on the person, is your desire, the demand will become higher and higher.
For example, when you're used to a five-star hotel, you don't like the cost of living in a five-star hotel, you don't like it; when you're used to first-class travel and fewer people in the economic, you think it's too crowded. When you get used to Michelin, you can't look at a small restaurant even if it tastes good.
Ratchet effect, is a common mentality,
It's the result of a growing desire.
If, in the presence of desire, man is satisfied, the final result is to become a slave to desire, your words and deeds are dominated by it.
/ Life that can't be improved
I have seen such a post on the Internet.
By the time she graduated two years later, Cece had owed one hundred and thirty thousand of her credit card debt.
CeCe found that the most terrifying thing was not to owe $ one hundred and thirty thousand, but to get younger and bolder.
Afraid to resign, clearly aware of their own industry has no prospects for development, even if the colleagues around them changed a number of one after another, because one hundred thousand yuan of card debt, CeCe has to continue to stay.
Not afraid to break up, clearly found that her boyfriend is flirting with other girls, is not reliable, in order to save more than 1000 rent to pay the card debt, CeCe has to pretend to be very happy.
"I dare not resign, I dare not lose my job, I dare not have an empty window."
Finally, in her fifth year of graduation, CeCe paid off all her debts.
But by the time she was struggling to pay her debts, her former co-workers had either doubled her salary after several job moves, or had joined a start-up and had become a partner.
And she, delayed the best time in the workplace, not to say, also took three years to increase the difficulty of her career transition.
In economics, there is a word called opportunity cost.
In short, you have two options A, B, if you choose A to give up B, then B is your opportunity cost.
In Cece's case, when she chose to pay her $ one hundred and thirty thousand card debt, her opportunity cost became much higher than her peers.
Imagine if she could do what she could, without a $ one hundred and thirty thousand card debt, so she could quit a job she didn't like and find a more promising platform.
Youth is a man's best capital,
To tell you the truth, you have a lot of chances to try and make mistakes at this time,
There are many possibilities for a fresh start.
But when you have to tie your hands and feet prematurely for a brand-name bag, a luxury woman's cosmetics, let money become a burden on you, you've lost to your peers.
/ untapped opportunities
Perhaps, you will say, you will not be like CeCe, in order to buy so much money, it is not as simple as savings.
Do you know? The biggest consequence of the absence of savings is not that you become stretched when you are in urgent need of money in the future, but that you are likely to do nothing all the time.
Many years ago, knowing a pair of good friends, the biggest difference between them is that one is timely hedonism, salary buys as soon as you send it, the other is to plan ahead of time, buy something especially stingy, and want to make money out of all the money.
At that time, they had a friend doing Taobao to sell Xinjiang specialties, the prospects are very good, for only 10, 000 yuan to share in dividends.
Miss stingy is very optimistic, so she has been advising the buying lady to take a stake, but she can't buy it. "10,000 yuan, it's too expensive! I want to buy some clothes and shoes for the season."
Now, years have passed.
Buy Miss things more expensive, the general mass brand has not liked, because the ability to generate income, all day long want to marry a stupid husband with a lot of money.
Miss stingy became more and more rich. The 10,000 yuan she invested at that time had become her after-bed income. She just read books and listened to songs every day. No need to do anything, her pocket was changing drums.
Scarcity once said that when people's economic levels are scarce, people's eyes tend to become extremely narrow and lose their ability to plan for the future.
Two people with similar qualifications, just because one has less money and more than one, only ten years, the circumstances of the two people are completely different.
/ unmanageable risks
Last year, statistics found that there were also 50% of households in China, with bank deposits at zero.
The data shudders, and the absence of savings means that a slightly bigger risk in the future can kill people.
I've seen a story like this:
Youmei has a happy family, her husband is a company executive, she is a housewife, and four lovely children.
But who could have thought, because her husband suddenly died, the food and clothing of the family, overnight become poor.
The four children were still young and were everywhere where they needed to spend money.
Forced by helplessness, Youmei can only go out to work.
But after more than a decade as a housewife, what can she do?
Without the information and technology necessary for labor and keeping abreast of the changes of the times, it takes a long time to adapt.
Finally, Youmei was only a telephone operator. She worked very hard, but earned very little.
Not too much savings, no stable income, nearly 50 years of her, can only force herself to a little bit of salary in all directions.
In the Anti-brittleness weak Force, the best way to avoid accidental destruction is to improve your ability to take risks.
For most people,
In all the risk-averse ways,
The easiest thing to do is to have savings.
With savings, a lot of accidents can happen to you, whether it is illness or layoffs, can give you the courage to deal with it.
None of us can guarantee which future or accident comes first, so be prepared before you come.
In particular, the writer Zhou Guoping said:
"money is not just money. A lot of times money means dignity, it means support, it means you hold on to the rights that you choose to live."
/ not the more expensive, the more advanced
Last year, there was a very heart-wrenching word-the new poor.
Talk about the city's beautiful white-collar, they have 5,000, 6000 monthly salary, but more willing to spend money, a bag more than 20, 000, a dress more than 2000.
But in fact, these urban white-collar people, and express boys income is about the same.
A website has done a survey, found that many people are through consumption, to make themselves feel good.
5000 a month clerks, to drink a cup of Starbucks every morning and evening, a moonlight Starbucks will have to spend more than 1000; not love to drink, just feel so delicate.
Sales with a monthly salary of 7000 yuan cost $100 a day to commute to work, and a moonlight fare is more than 2000; not the subway is inconvenient, but the person who feels respectable should take a car.
With a monthly salary of 8000, Apple has to buy new products in the first place and spend tens of thousands of yuan a year on mobile phones. It's not that phones are not easy to use, but that it's time for young people to lead the fashion trend.
Why, with the same income, the white collar is more daring to spend money than the express guy?
The writer Wright is right, because such consumption can create an illusion of class superiority.
It's a mistake to think that you can carry a LV bag, and you're superior to those who buy Uniqlo.
Is it really advanced?
It's just self-deception!
The material world creates an illusion for modern people that you deserve a better life, but do not tell us that illusory prosperity is something that can never be indulged in.
You think you have everything in the modern city, and in fact, in front of the real monster, you're just another hot little mouse, chewing it a few times and you won't even be left with scum.
/ learn to manage desire first
What is the best ability to learn when you are young?
I have always believed that the first thing to bear the brunt is the ability to manage desire.
So-called money management, is desire management, only when you have more desire, you will be encouraged by the business.
The desire to manage seems to be a form of self-abuse, but it is an important way of calming one's heart and achieving happiness.
After all, shallow pleasure can never be a human pursuit, otherwise, you can use take drugs to build a happy life.
A | Don't satisfy your desires too quickly
You can give yourself a list of desires, each time not too fast to satisfy it, slow down, a little longer, perhaps, you will find that, in fact, there is no satisfying it, your life will not have too big change.
B | Please don't follow the wind.
As long as the star pushes a single item, online sales will rise immediately, and even many will buy out.
Aside from endorsement, advertising suspicion, others say good things, may not really suit you.
Be rational and sober. It's not easy to make money. Don't be fooled away.
C | set some obstacles properly
Now the shopping is too convenient, as long as the finger press, can be paid in seconds.
Binding credit cards, spending, can meet most consumer scenarios.
If you're not a strong-willed person, set yourself up with more obstacles to shopping.
For example, uninstalling a shopping APP, is bought only on your computer at a time, so that when you want to buy it, either download APP, or turn on your computer, which will reduce your desire to buy.
Willpower should be used in the most important place, do not open Taobao, Tianmao, Jingdong for a few hours a day, and then fight your own heart, too tired!
Money is not everything, but it is impossible without money.
You can be disdainful of getting rich in your family and neglect your finances, but you must not be enslaved by bills or break the rhythm of your life because of money.
Especially like a sentence, freedom only exists in the bondage, there is no bank, where to come to rivers.
A man's freedom is never to do what he wants, without restraint, but to control himself and not to do what he does not want to do.