Young people are becoming "pickpockets" because they don't spend or save money.

In recent years, almost everyone has fallen into an emotional whirlpool of "instability".

The big waves of the times come down one after another. Faced with the worrying wave of layoffs, I can't see the end of the quarantine period. While trying to convince myself that "I can't lie flat, I love it", I looked at the mortgage, car loan and salary balance. "Help me up quickly, I can still linger."

So, the young man woke up and realized that he had chosen to devote himself to a long-term struggle, took out the spirit of Grandet, a "stingy master", and vowed to "excavate" his sense of security and "save" his confidence in every gap in life.

After 90, I am striding to join the army of saving money.

According to the 2020 edition of "Post-90s Saving Report" published by China New Economic Research Institute, in 2020 alone, the proportion of post-90s saving increased by nearly 40%. New terms such as "moonlight clan" and "shopaholic", which were born a few years ago, are gradually disappearing.

People kidnapped by consumerism have gradually become the main force of savings. Looking at the balance that only increases but does not decrease may slightly dispel the anxiety caused by the big environment.

Even though it is far from wealth and freedom, saving money seems to be one of the cheapest ways to get happiness at present.

An ordinary young woman's extreme money-saving strategy

Xiao Yu, born in 1992, really realized the moment of saving money, which came from a "side reminder" of his girlfriend.

My best friend got married early and naturally wanted to have children, but after marriage, she found that her husband was in debt of more than 100 thousand, so life has been very tight. When I was lying in bed preparing for caesarean section, the balance of my best friend's bank card was less than 4,000 yuan, which was left for her mortgage next month.

My best friend told Xiaoyu the story half jokingly and half warned. Xiaoyu looked at her incredulously, only thinking that it was a horror story that existed in 2 1 century. She said, "If I change places with my best friend, I will be depressed after giving birth."

After chatting with girlfriends, Xiaoyu deeply realized the importance of saving money. In order to have money in hand and not panic, Xiaoyu has made a long-term and stable saving plan, which is planned to be implemented after formal work.

Xiao Yu's minimalist desktop at ordinary times

After graduating from graduate school, Xiaoyu entered a foreign company. Because of her good performance, she was promoted to the position of leader within one year. Nowadays, the average monthly income is 1.5 million, and the monthly savings rate is 70%. After two years, I saved nearly 200 thousand.

Xiaoyu called the money "counting balls". Although it is not much, it is enough for her to shout "Forget it, I quit" when she encounters unfair treatment at work, and then she can live a stable life for a while.

How can we save money efficiently? Xiaoyu shared her secret: you should spend money to train, and don't go crazy to brainwash yourself.

For example, if she needs to buy some clothes, she will open three softwares, such as Taobao, Pinduoduo and Xianyu, with the same styles, copy and paste pictures, use the "search for the same paragraph" function in various softwares, and see many similar products, then compare them one by one, weigh the return criteria, and place an order carefully.

To save money, Xiaoyu doesn't mind wearing second-hand clothes. Clothes are cheap and easy to wear, regardless of the old and new styles. As a result, the average price of basic clothes in her wardrobe is about 20 to 30 yuan, and nothing exceeds 40 yuan.

As a "streamlined" life, she often sells clothes that she doesn't often wear. So far, she has sold more than 90 pens and earned more than 17000 yuan.

Xiao Yu's transaction record

"It is equivalent to trading one low cost for another low cost, and no one wants to earn me a penny."

In addition to clothes, daily necessities will also be stocked on demand. For each promotion date, "6 18", "double 1 1" and "double 12" focus on consumables, toilet paper, sanitary napkins, laundry detergent and disinfectant. If you buy it for one year at a time, the cost will be controlled at around 400.

In the final analysis, equality is the key. She prefers to use these consumables in her daily life, no matter what brand, as long as they are cheap. After browsing four or five softwares, she can always find a product at a price that suits her heart.

The time wasted in the comparison process is the price she must pay for pursuing "cheapness".

As a migrant worker wandering in a different place, eating is also a very fixed expense. How to streamline it? Xiaoyu also has his own coup: don't miss every opportunity to repay praise.

First, find a merchant who can receive preferential cash back, and then try to eat only this kind of takeaway. Then, she will subconsciously control the price of each takeaway meal within 30 yuan, and then keep the habit of praising after each meal, take two photos, throw screenshots to the store, and basically get 3 to 5 yuan, make up the difference, and have a 20 yuan.

Xiaoyu's usual takeaway cash back

Of course, there are times when you want to be "extravagant". At this time, Xiaoyu will use the killer skill: analogy. Once, she scratched her heart and wanted to eat pizza. She casually looked at the take-away software, and the cheapest one was 58 yuan, which was a little reluctant at the moment.

So she opened Taobao to see what 58 yuan could buy, three earrings and a silver necklace. Instead, she began to ask herself what she could get from eating pizza. A: Wearing a fat suit, Xiaoyu decisively gave up her verbal happiness and turned off the software. Out of sight, out of mind.

But when she saw that the amount of her bank card was rising, the face that had been allergic to buying inferior skin care products would bloom with the most beautiful smile.

Douban1100,000 people are "pickpockets".

There are only two channels for young people to save money, "open source" and "throttling".

Open source means finding a sideline outside the fixed salary to earn some extra money, or investing your spare money in Qian Shengqian.

At ten o'clock, I wrote an article about young people doing sideline business some time ago. Those who are interested can grow their own grass.

Some people not only do sideline business, but also choose to invest in financial management, hoping to add a fire to their good wish of "wealth freedom".

According to the data of Mob Research Institute, in 2020, 60 million new "basic people" joined the fund frenzy; The number of Internet "basic population" users exceeded 65.438+0.2 billion, a year-on-year increase of 90.7%. Among the new "basic people" in 2020, more than 50% will become post-90 s.

Below the "Financial View" section of Douban Money Saving Group, you can see the financial experiences of all talented amateurs in the Jianghu, their professional words and detailed analysis. Regardless of whether they make money or not, the seriousness of their willingness to study alone is enough to make a "daydream" relatively real.

But just like the sentence that has been standing at the door of the stock exchange, but it is always ignored: "The stock market is risky and investment needs to be cautious." While people enjoy the rapid benefits brought by financial management, they also have to bear the risk of being "green" at any time.

Affected by the Shanghai epidemic in April, the stock market washed all major sectors with a touch of "forgiveness", and all three major stock indexes fell, with the average decline of A shares ranking first. Shareholders complained bitterly and predicted whether the "stock market crash" would come.

Xiaoyu also tried to invest in financial management and only bought those fund products with stable income. She is afraid to invest in investments with too high risks, and there are too few returns with low risks. After buying the fund for three months, she found it better to deposit the money in Yu 'ebao and pay more every day. Since then, Xiaoyu has consciously withdrawn from the financial management meeting and only divided it into a "home".

In terms of "throttling", people's behavior can also be divided into two camps. First, allocate the money in your hands reasonably, spend according to your needs, have a fixed deposit amount, and steadily increase every month. The second is "bonus hunter". It is not difficult to "save" eight or ten dollars from daily life.

Douban User @ I'm not picky about food. Belong to the former. The first thing to get a monthly salary is to distribute, divide the account+save when you die. Divide the salary into three parts: living expenses, rent and financial management, and deposit each part of the money in different bank cards. Only a fixed amount of money is used every month to meet a fixed demand, and financial management is the first choice, leaving only a small part of flexible emergency.

Bonus hunter is also a technical job, and the skills used are not limited to seeing and listening in all directions. The members of Douban Money-saving Group are also the Eight Immortals crossing the sea, showing their magical powers and unique tricks, showing the gesture of ordinary people running around to save money.

For example, some people will focus on the small benefits of various bank cards, fill in a member, do tasks on the bank app, and get various daily necessities such as paper towels and detergent for free.

If you don't want to spend money to buy all kinds of software members and want to watch VIP customized content, you will spontaneously start the task of "spelling orders" in the group, and several people in one account will log in after AA.

After several operations, it is likely that you will only watch the VIP content of the whole network with a membership price.

Some people think it will save money, while others still don't want to pay a penny. They just stick to the activity of "sending tasks to members", or they can change to members for half a month and use them first.

Others began to learn from the aunts and grandmothers in the community to collect boxes and cartons. Pack and sell at the end of the month, and you can get dozens to hundreds.

Not only bonus hunter, but also the pickpocket's practical ability is necessary. As long as it doesn't cost money, everyone is a skilled craftsman.

Put the used dental floss box at home, cut off the gap and stick it on the wall with nail-free glue. It is an economical and practical toothbrush holder. Although an online toothbrush holder only costs a few dollars, including postage, it is inevitable that there will be a sense of accomplishment that money can't give when looking at the hand-made substitutes with zero cost.

These people who share their money-saving tips in the Douban group and call on everyone to save money together actually know that it is extremely difficult to get rich by saving money. Continuing to save money is nothing more than trying to give them a goal in their unchanging life.

Some people save money for a new mobile phone for several months, some people save money for a down payment on a house for several years, and some people just pursue a minimalist and self-disciplined lifestyle in an impatient social environment.

In short, grasping every sum of money in life is like controlling life.

Saving money has always been a tug-of-war, so be prepared for a long-term attack. Learn more and watch more. Every little makes a mickle, and every drop of water starts with a small amount. It's hard to guarantee that you won't make a lot of money one day.

Perhaps saving money today is the best way to keep you from being at a loss when you have no money.

Saving money is the last sense of security in an epidemic.

Why are people obsessed with saving money in recent years? Needless to say, people all know.

Searching for layoffs on Weibo, the names of the following companies are so many that people are afraid. These companies are the "big factories" that people had to break their heads at the beginning.

Wandering casually on the second-hand platform, many migrant workers sell their daily necessities at low prices, and some young people who have been eliminated by the wave of the times sell their past lives before they fled to the north.

Under the irresistible natural disasters, people's sense of crisis has intensified unprecedentedly.

In such a state of constant tension, it is an understandable choice to make a relatively conservative move after weighing the gains and losses, and some people will question their previous lifestyle and make some changes.

Chuntang, born in 1993, is like this. The signal that prompted her to make a real change was that the company did not issue a year-end bonus.

At that moment, Chuntang realized that the situation of the company should not be optimistic. Then HR asked everyone to chat alone and explained why there was no year-end bonus this year, which proved her idea.

Chuntang didn't want to leave, but news of friends being laid off came one after another. She gradually let go of this idea and tried to find a relatively cushioned way of being laid off from herself.

She thought of saving money, so that even if the wave of layoffs really hits her face one day, she can live more easily, as if she was not holding money in her hand, but a sense of security that she had never really experienced when working hard in a big city.

Chuntang joined the group of "saving money without heart" and began to imitate the lifestyle of group members. At the beginning of change, it is always difficult.

She learned to open two or three softwares in advance when buying food, compare the price of each dish, and then choose the cheapest order; She learned to transfer all the money to Yu 'ebao at the moment when her monthly salary arrived, just for the few dollars that were withdrawn every day. She learned to refuse some unnecessary expenses, go out with friends occasionally, ask the budget in advance, and then decide whether to think of a reason.

Just like the introduction of the rescue team: let's be rich and secure together. Chuntang also felt that this sentence poked her heart when the environment was a little tired.

Chuntang also knows that even if she starts to save money, she is still very slow and still can't win. This is always changing with the rise of house prices, the speed of inflation and the change of environment.

She is also prepared to go with the flow. The act of saving money is more like awakening. Its purpose was to dispel her anxiety, and now it has been achieved.

Nowadays, "long-term" is replacing "exquisite poverty" as a more popular consumption mode, and the pleasure brought by those short-term stimuli is being abandoned.

Even if the sense of crisis is the key factor contributing to this change, it is much more specific to watch people around you "settle down", or get married and have children to enter the next stage of life, or have a clearer goal, such as mortgage and car loan. This sense of gap is much more specific than watching others give advice in the group every day.

Life is nothing more than a few taels of silver. If the ultimate meaning of life is to be happy and saving money can make you happy, why not?

Click "Search". Do you have any tips to save money?

Pictures from the Internet, provided by interviewees, stills from the TV series Your New Life and Save Money.