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have heard a heartbreaking remark:

You can't miss blue and white wedding dresses in this page where you can locate the newest fashion style. In addition, the discount you see is extremely huge. These collections perfectly match all occasions.

"I used to think that talking about money hurts my feelings, but I didn't know until after middle age that it hurts more to have no money.

"

the older you get, the more you understand this sentence.

when people reach middle age, they have old people to support and children to support. Their physical functions begin to decline, and the economic pressure suddenly increases.

there is a big difference between having money and having no money.

the writer Sanmao said it well:

"comedies in the world can be produced without money, and most of the tragedies in the world have something to do with money."

it is too important for middle-aged people to have money in their pockets and count their cards.

Middle-aged people will never have enough money to spend

watching the TV series "A year without work" not long ago, I was deeply impressed by the experience of the protagonist he Yu.

she has been working outside the home for more than ten years, but she lost her job because she was dissatisfied with the company's job transfer.

he Yuben thought that with the savings saved over the years, he could get through the unemployment period smoothly.

never thought that in just a few months, she would lose a lot of money on her financial management project, minus the money she lent to her friends, and the balance in her card was only 60,000.

he Yu calculates that the car loan of NT $20,000 and the deduction of social security, rent, and water and electricity bills will not be enough to spend within six months.

in order to make money, he Yu can only interview everywhere and even set up a stall in the middle of the night to make money.

when she finally paid off the car loan, her mother was found to be suffering from a malignant tumor.

the hospital urged he Yu to make up 160000 of the operation fee within 2 days.

but why does Yu have so many deposits? She had to sell her car and borrow money piecemeal.

when she learned that her mother would have to do chemotherapy later, the cost was not a small amount. He Yu collapsed and cried in the stairwell.

when I have money, I think it doesn't matter. When I encounter an accident, I find that it is really difficult to walk without money.

if you have an illness, you can feel the helplessness of spending money like running water.

once you have a debt, you can understand the sadness of borrowing money everywhere.

there is a problem with Zhihu:

how long will your savings last if you suddenly lose your job?

some people say that it is estimated to be two years, mortgage + child-rearing + daily life, and basically no money has been saved in these years.

some people say that in less than a year, the elderly in the family have chronic diseases, and their monthly expenses are tens of thousands.

some people say that credit cards, car loans and spending can all collapse in a month at the most.

once is enough for the pain of not having money.

especially for the middle-aged, daily expenses, car loans, family health, dealing with accidents. You have to spend money everywhere.

No one wants to lose food, housing and family health in the event of an accident.

No one wants to be cornered and have no chance to turn around in times of embarrassment.

there is a good saying:

"80% of the difficulties in life can be solved with money, and the remaining 20% can be alleviated with money."

when I was young, I believed in the supremacy of happiness, and I always thought it was corny and vulgar to talk about money.

when I grow up and stumble and stumble, I know that the balance on the bank card can really cure all the hypocrisy of adults.

savings won't get rich suddenly, but it really works

netizens

@ Erhua who tries to save money

once talked about his own experience.

in 2020, as soon as she and her family bought a house, they suffered a pay cut for three months in a row, earning only NT $3,000 to NT $4,000.

but her family has 7500 yuan in mortgage alone, which is simply not enough.

she was frightened as she watched her savings dwindling day by day.

with this experience, no one dares to spend money indiscriminately.

Erhua told his family more than once that spending on non-rigid needs should be reduced as much as possible.

Erhua said:

"of course, the purpose of saving money is not not to spend money, but to have money to spend in case of a situation.

when the economy is bad, or there is no income, we can have the money to eat, to repay the loan, and to save our lives at a critical time.

when I heard that during this period of time, many people have become difficult because of unemployment, I really appreciate my efforts to save money. "

encounter difficulties, some people's lives are forced to press the pause button, but others quickly return to business as usual.

what's the difference?

depends on the amount of savings on hand.

having money means that when accidents come, they can resist risks and have a secure life.

No money means that when something happens, you can only be swept away by the storms of life, and you don't have any choice.

in the present moment full of uncertainty, if you have surplus food in your hand, your heart will not panic.

as the famous British writer Maugham said:

"of course, what people pursue is not all wealth, but at least they must have a dignified life so that they can work without hindrance, be generous, cheerful, and independent."

those who save bit by bit are not only money, but also the choice of life.

when you see the number on the card rising, the sense of security in your heart will increase.

desire is degraded, happiness can be upgraded

once read a message from a netizen who divided her money management experience into three stages:

the first stage is just working for 2-3 years., no plans, no savings, only know how to travel around, eat and drink;

the second stage, begin to save money to decorate and buy parking spaces. At the most exaggerated time, a plate of fried vegetarian vegetables with white rice every day leads a tight life.

the netizen said that after getting used to a minimalist life, she felt that she was very happy to have a house, a car and a home.

many people always think that saving money means saving food and clothing, and being stingy and aggrieved every day, but this is not always the case.

I have seen a happiness formula: happiness = ability /desire.

Financial happiness can also be achieved by "downgrading" consumer desire on the basis of unchanged earning power.

so, how to reduce consumption desire and save money happily?

give you three suggestions:

compulsory savings

in real life, many people have tried to "save", but because they do not take "compulsory" means, they are often unable to stick to it.

if you want to make compulsory savings, you can actually use some gadgets to do so.

for example, it is simple and quick to automatically deduct 2000-3000 yuan per month.

or set a quota for each purchase, and over time, a large amount will be saved.

Don't spend on impulse

when faced with some promotions, many people can't help but chop their hands so crazily that they end up buying a bunch of things they don't need.

what should I do?

you can set a "buffer period" for your purchase behavior, delay consumption, and don't be impulsive.

if you like something, you can put it in the shopping cart and come back once in a while to see if you really want to buy it.

or set a budget for yourself, spend 1000 yuan a month, and just use it up, so that you will weigh things over and over again before you buy something.

make a financial plan

one of the main reasons why you can't save money is that you don't know how to allocate money, so that families are in a mess and don't have a clue when they take care of it.

in fact, there are many interesting and scientific financial management methods to choose from.

for example, 333 savings method:

divide your income into three equal parts according to savings, living expenses, investment and financial management. when you pay your wages, save money first, and then consume it, so as to avoid not saving money in the end.

▽

there is a question on the Internet: what is a person's most correct view of life?

I agree with the psychological counselor

@ Tang Ruo

said:

lose face and make money. If you don't have the ability to make money, control your desire to spend money.

Yes, life is very expensive. no matter when you are, don't forget to save money carefully.

Don't believe in the supremacy of consumption, no matter how glamorous life is, it is not as reassuring as having money on the account.

Don't be a visionary, no matter how much self-comfort, it is not as good as Kari, it is more practical.

the greatest responsibility in life is to leave a way out at any time, to be able to resist risks and protect yourself and your loved ones.

even if you save only a few dozen yuan a day, watching the balance in your card become more and more, you will have more and more strength in your heart.

in the last month of 2022, may we all work hard to look at money and strive to make money.

there is no shortage of money in the card, no insomnia at night, there is light in the heart, there are people around, money in the pocket, happiness, go home for the Spring Festival.