In the face of frequent telecommunications fraud, how will you keep your wallet tight?

If someone sends me a message, I must verify the situation first, instead of just taking what the other person says! Anyone who asks me for money or bank card transfer will be blacklisted! Not to mention cheating me out of money, I have to be careful even when giving me money. If suddenly there is too much money in my card, call the police! [Struggle]

There is a saying that if you are not greedy, you will not be fooled. Do you understand? Most people are fooled just because they think it is profitable. If you control your greed, you can keep your money!

Just remember one thing: pie will not fall in the sky, and you will never be deceived if you don't think about others at any time.

It is impossible to defraud my money. First of all, refuse to answer calls from strangers. If there is a withdrawal on WeChat, you must call to verify. If the call is not connected, wait until the call is connected.

Your question is easy to answer, that is, you are not greedy, do not seek small profits, and do not take advantage. Why do telecommunications fraud succeed for some people? It is because they are not decent people and usually seek small gains. I always feel that I don’t take advantage of it and suffer a loss. Useful for these.

Ignore it. If you ignore him, he will have the opportunity to cheat you of your money. If it’s a phone call, the most people you don’t know will tell him that the number is wrong; or if he asks you to participate in some activity, and there are gifts or corresponding rewards, don’t be greedy and just say that you don’t need it; and if you send text messages pretending to be relatives or friends When borrowing money, be sure to call and confirm first. If you can't get in touch, it's best to ask other people to confirm. You can also pretend to be an agency and send messages, but ignore them. If something really happens, ask your family to go to the relevant department to handle it. Society is too complicated to be soft-hearted towards liars. If you are soft-hearted, you will suffer the consequences and be deceived.

Let me first talk about what I have experienced:

I once received a call from Guangzhou. I thought it was a friend, but later I found out that it was a stranger. I kept asking who he was. I told him that he was very busy now and asked him to introduce himself first before talking about anything else. He immediately hung up the phone.

A person who claimed to be my husband’s classmate called and said that my tutor had a sudden illness abroad and needed a lot of money. The classmates were raising funds as soon as possible and asked me to do it immediately. At first I believed it, because the tutor was indeed abroad at the time. But then I thought something was wrong, why not go to the husband directly? I told him that he needed to prepare first and asked him to call again in five minutes, then hung up the phone decisively. For almost half an hour, someone in the classmate group said that there was a liar spreading rumors that something happened to the teacher and committing fraud, so everyone should be more vigilant.

I know that I have never done anything bad, I have no problems with my integrity, and I will not pay attention to such nonsense made up by liars. In addition, in order to better protect my money, I also downloaded the National Anti-Fraud Center APP.

You must learn to manage money correctly, and if you don’t be greedy for money, telecommunications fraud will not occur!

Many people once believed that financial management was only something the rich considered. Only the rich needed financial management. The poor had no property at all, so there was no need to talk about financial management. When many young people talk about financial management, they often complain, "I have no money to manage." In many people's minds, when it comes to financial management, they think of bank financial advisors reporting annual asset returns to the wealthy.

Many people only have a theoretical understanding of financial management, or many people think that their current income does not make much sense whether they manage finances or not. In fact, this is a conceptual misunderstanding. With the popularity of the investment market, more and more people are beginning to change their lives through financial management.

Although some people realize the importance of financial management, they have not truly integrated financial management into their daily lives. Few people can clearly state their financial management plans. Although some people have financial management plans, they are not able to implement them well.

Even with limited income, there are basically no assets. But through financial management, you can have a completely different life. The same economic foundation, although in the short term, there will not be much difference between those who manage money and those who do not. But 10 or 20 years from now, there will be a huge difference.

Let’s take a look at the stories happening around us:

Xiao Wang, who works in a company, is 22 years old. He has graduated from a bachelor’s degree and has only been working for half a year. His monthly salary is 2,600. Yuan. Xiao Liu, who works in the same company, is 25 years old, 3 years older than Xiao Wang. He graduated from a junior college and has worked for 3 years. His monthly salary is 1,500 yuan. Their living expenses are basically the same. They are all single. Apart from some basic consumption, they only occasionally play and spend with friends.

In terms of income, Xiao Wang’s monthly income is more than Xiao Liu. He should have better financial management conditions than Xiao Liu. But this is not the case: both of their salaries were unit expenses at the beginning of each month. As a result, after half a year, Xiao Liu had saved 3,300 yuan, while Xiao Wang had only saved less than 600 yuan.

Since the living expenses are basically similar, Xiao Wang, who has a higher income, only saved 600 yuan after half a year. It’s not that Xiao Liu has other income, but that Xiao Liu knows better about planning his own income and expenses. Let us analyze their respective specific financial situations: Xiao Wang’s expenditure on food, clothing, housing and transportation is higher than that of Xiao Liu. Apart from these basic consumption, there is still a large amount of expenditure on travel, fitness, and the purchase of his favorite electronic products. Roughly, After all, after basic consumption plus entertainment consumption, Xiao Wang's monthly income of 2,600 yuan is very little.

Although Xiao Liu’s monthly income is not high, he keeps everything simple. His basic consumption is only 800 yuan. He does not have other hobbies such as smoking or drinking. He likes reading and spends about 100 yuan on books every month. Calculated in this way, Xiao Liu’s monthly expenses are about 900 yuan, and he can save 3,600 yuan in half a year. Excluding some other expenses, Xiao Liu saved 3,300 yuan in half a year, and then he converted 3,000 yuan of it into a one-year period. Make a fixed deposit and prepare to use the money to attend an English training class to improve your work ability.

Five years later, Xiao Liu had a considerable deposit. Later, he used this deposit to buy many internal shares of the company. As for Xiao Wang, he missed this opportunity because he had no savings. After the company went public, the stock price doubled several times, and Xiao Liu's assets also doubled several times.

Later, Xiao Liu used his own assets to start his own business. He was careful with his budget, frugal and hard-working, and his business quickly took off and continued to develop. Later, Xiao Liu simply left his job to run his own company and became the real boss. Although Xiao Wang's salary has increased a lot, compared to Xiao Liu, it is really a drop in the bucket.

Some people may ask, does Xiao Liu count this as financial management? He is just saving. As long as Xiao Wang can save a little bit, he will definitely have more savings than Xiao Liu in half a year. Some people may even disdain to approve of Xiao Liu's approach, but think that Xiao Wang's approach is more chic. If you think this way, you need to change your thinking. Anyone who knows how to manage money knows that income and financial management ability have nothing to do with each other. And a financial expert will definitely make his assets continue to increase in value, and finally serve to achieve his goals.

People who are good at financial management will not be too ambitious, let alone imagine that they can get rich overnight. They are down-to-earth and slowly accumulate their wealth, and every investment is very stable. Start managing your finances from now on. Don’t use lack of money as an excuse. Everyone needs to manage their finances. Only those who know how to manage their finances can live a prosperous life.

Telecom fraud is really hard to guard against. My daughter is 27 years old and was defrauded of 80,000 yuan by a telecom fraudster. I have a friend who was defrauded of so much in the same way. We ordinary people are frugal and save money, but they are easily defrauded. This really makes the people who were deceived extremely sad and hateful.

In fact, the police often send out fraud prevention reminders to pay attention to various types of fraud content that are difficult to prevent. Maybe I’ve seen too many. Anyway, no matter what the message is, as long as it’s from an unknown number, just delete it. As for the calls from strangers, one of them will be hung up directly and put on the blacklist. One time, a strange call came from Malaysia. I had nothing to do at the time, so I picked it up to see what kind of trick he was playing. Unexpectedly, it was a friend with work connections in Malaysia who asked me about a question. It was really a false alarm.

Although the country’s crackdown on telecommunications is very strong, we ourselves must also be vigilant and always hold the hope that the world will not lose its pie. The money we save through frugality must be kept tight. Don’t be greedy, don’t be curious, and don’t answer phone calls from strangers, making you invulnerable to scammers and basically keeping you away from scams.

My personal philosophy is that I have never been greedy since I was a child, and there will be no pie in the sky. There are indeed many people who are deceived around us, but they all want to take advantage.