Wake up, friend! Don't let those so-called "exquisite lives" ruin your life.

In the past two years, "exquisite life" is definitely a fashionable word, and it is also a kind of life that many people yearn for and pursue. As soon as the major video websites are opened, the WeChat circle of friends is full of people who dazzle cars, watches, fashion, travel and luxury houses. I am ashamed to see the exquisite life of these people. It seems that everyone around me is richer than me, and everyone's life is better than mine. On the other hand, there is no poetry and distance in my life, except my face, which is a chicken feather. I can only say, I'm sorry, I'm holding the whole country back.

What is an exquisite life? Just give a few examples and you will understand. For example, ordinary people eat fried dough sticks and drink a bowl of soybean milk, which is to be despised. Exquisite people eat bread and drink milk, and a cup of Starbucks every day is also standard. No matter how delicate a cup of coffee is, it must be freshly ground without sugar. If you drink instant sugar, it is really tasteless and will be laughed at. Eating hot pot and Chinese food is not on the table either. Only eating Japanese food and western food can show the style.

There are even more exquisite clothes, especially "exquisite women", who would rather eat instant noodles than buy "donkey" or Prada bags. They really can't afford it, so they have to get one anyway. You can't say for sure. Cosmetics must use Lancome lipstick, Chanel perfume and SK-II skin care products. Besides cosmetics, clothes and jewelry should be paid more attention to. Even a mobile phone and a communication tool should use Apple's new model. If you use domestic products such as Xiaomi and oppo, it will be tasteless and not exquisite.

In short, exquisite people are only willing to pay attention to their daily life and are unwilling to make do with it. Everything should highlight the word "taste", and everything should reflect that you are not at the same level. Then the question is coming. No matter how picky you are, no matter how much you love pie and face, in the final analysis, you must rely on the "lining" of banknotes to support it. Are your fathers all real estate tycoons? Don't you have endless mines at home? Are you all white-collar executives of foreign companies with an annual salary of one million?

According to official statistics, there are 600 million people in China whose monthly income is below 1000, 95% whose monthly salary is below 5,000, and less than 1% whose monthly salary is over 10,000. In other words, most people cannot live a so-called exquisite life. Then why are there so many "exquisite people"? The truth is that quite a few "exquisite people" are living a "pseudo-exquisite life", and it is this kind of "pseudo-exquisite life" that makes some people fall into an invisible quagmire step by step and get deeper and deeper.

Xiao Li, a colleague of my wife's company, is a girl with a deep heart. I have just joined the work for less than two years, and my monthly salary is less than 5 thousand. But she basks in her circle of friends, from bags to jewelry, from clothes to shoes, all of which are well-known brands. Replace the new Apple phone as soon as it is released, and drink a cup of Starbucks every day. When I get home from work, there will always be four or five couriers waiting in line for her to sign for it. Everyday life is constantly punching in various online celebrity stores. Always keep close friends with girlfriends, and nightclubs and karaoke bars are frequent visitors. I have never been left behind on May Day. I can go wherever I want and eat whatever I want. As soon as the handbag is opened, there is a thick membership card inside. It can be said that she does not lose anyone around her in her exquisite life. Everyone thought that the little girl must have a mine at home, or found a boyfriend like Brother Peeling Onions.

Until one day, a debt collection call from an online loan company called the company office and named Xiao Li who borrowed 20,000 yuan from their platform and didn't pay it back. At this time, everyone realized that her so-called "exquisite life" was supported by online loans. Incredibly, she borrowed money not only from one platform, but also from other platforms, including six. It seems that there are not many loans, only 30 thousand to 50 thousand, but all of them add up, plus the dizzying interest. In this way, Qian Shengqian and loan sharks soon became in debt of hundreds of thousands.

How is her family? In fact, her parents are ordinary people who set up stalls in the vegetable market and earn some hard money every morning. When the debt collector forced her home, her parents realized that she owed so much money, and her mother fainted on the spot. The family sold all the valuable things to pay her debts, and some of them have not been paid back. When the pressure was really exhausted, Xiao Li committed suicide. Finally, the family chose to call the police and slowly solved the problem with the help of the police. A good girl is ruined by this "pseudo-exquisiteness".

In fact, there are many examples like Xiao Li, who is obviously just a poor diaosi, but wants to package himself as a rich second generation. This kind of person is not a case, he catches a lot. Why do you "do" like this? In fact, it is vanity, that is, the so-called exquisite life advocated by various media all day has harmed some people. There is nothing wrong with pursuing exquisiteness, but the consumption beyond the scope of ability, on the surface, leads an enviable exquisite life, but actually makes itself fall into the quagmire of poverty step by step. "People are former coal mine bosses and people are post-beggars" refers to these people. The so-called exquisite life I understand is to pursue the material life I like within my own ability. Why not? You can be poor, but not poor. It is foolish to strive for perfection and spend ahead of time to save face.

In the pursuit of exquisite life, how to establish correct values and rational consumption, the author has several superficial views for your reference:

First, we should make plans and make reasonable consumption. According to my estimation, few individuals or families can manage their finances scientifically and often make plans. Most people spend money casually. As long as the salary comes, as long as there is money in the bag, regardless of the willy-nilly, buy it in the buy buy first, and whether there is any rice in the pot tomorrow, no matter how much, we will talk about it tomorrow. Such consumption is very happy. I bought what I should buy and played, and bought what I shouldn't buy and played what I shouldn't play. Every day for the first half of the month was beer and skittles. I stayed at home for the second half of the month, eating pickles with porridge every day, and my face was blue. This shows how important it is to plan your daily expenses. It can make you have a clear goal at all times, allocate funds reasonably and consume reasonably, and effectively prevent blind consumption and impulsive consumption. Stick to it for a long time, and you will become the master of wealth, not the slave of money.

The second is to control desire and rational consumption. Why are there more and more people in debt now? Because, in this era, you are faced with too many temptations, and it is too easy to spend in advance because of insufficient money. Credit cards, online loans and flower beds actively tempt you to borrow them. Even ordering takeout can be spent this month and returned next month. Uncontrolled desires are like balloons blowing bigger and bigger until they burst with a bang. When you don't pay it back, you will find that the more you owe, the bigger the principal, interest and liquidated damages snowball. Finally, it is not enough to earn a little money, and there is no way to make big money, which will affect the credit information and become a black household. Only when you are burdened with heavy debts will you understand how naive and ridiculous the false and exquisite life you pursued at the beginning is. At this point, it's harder for you to turn over again. Few people can make a comeback with a debt of 250 million like Shi Yuzhu.

The third is to actively save money, open source and reduce expenditure. I used to hear a saying that money is spent, not saved. Only by spending money can we make money and save money. In fact, this is a big fallacy. You never know what trouble you will encounter tomorrow. If you don't consciously take the initiative to save money at ordinary times, how can you resist risks and gain a foothold in this society once you encounter any accidents? For example, when the COVID-19 epidemic broke out last year, people all over the country shut up at home, and all walks of life closed down one after another. Many people suddenly lost their jobs, and their original stable wage income was gone. If you don't have any savings at ordinary times, how can you maintain your family's life and surpass mortgage, car loan and credit card? The reason why the landlord will always be a landlord is that he is consciously frugal at ordinary times. When natural and man-made disasters break out, he can exploit you aboveboard.

Fourth, we should broaden our financial resources and enrich our wallets. Money is a good thing, and no one is really stupid enough to treat it like dirt. If you want to live a fuller life, besides saving money, making money is the fundamental way to solve the problem. While doing a good job in the main business, we should also broaden the sources of income and do a good job in sideline business. There are still many ways to make money now. As long as you are willing to use your brains and endure hardships, you will also have a lot of income, and even the sideline business exceeds the main business. If there is really no way, it is also a way out to deliver takeout after work, run drivers and set up stalls. Of course, don't be embarrassed, don't feel ashamed, lower your head to earn money, hold your head high and work honestly. There is nothing to be embarrassed about.

In a word, there is nothing wrong with living an exquisite life, but you can pull as big a car as you have horsepower. If you don't have that strength, don't beat your face.

Irrational exquisite life can only be a mirage, and poems and distant places without strong economic strength will only be chicken feathers in the end.

Plain is the most true. It is not shameful to be an ordinary person and live an ordinary life.