Do young people nowadays just want to eat, drink and be merry? Don't you feel bad about money? It's too difficult to earn money by working, and you still squander it?

Tomorrow is tomorrow, tomorrow is tomorrow, never point his golden cup at the moon! . This sentence should be the favorite sentence of many young people who are pursuing carpe diem now. The poems of the ancestors also gave this group of young people who like to spend ahead of time the best reason.

Eating, drinking and enjoying the present is their philosophy of life: money is spent, not saved; Women should be willing to spend money to invest in themselves; Men should be willing to spend money for their girlfriends, and so on. All kinds of grass present a dazzling array of goods, devouring young people's wages, credit cards, flowers and white bars.

Excessive consumption in the name of "being good to yourself" has become the habit of many young people. However, after eating, drinking and having fun for a while, you will always regret it. Many young people pursue brand-name bags, brand-name clothes and punching cards in online celebrity shops. In fact, these are only temporary pleasures, especially family conditions do not allow them to squander like this. Such short-term stimulation can't bring real happiness.

The moment of spending money is very exciting, and it is very satisfying to be praised by others in the circle of friends, but then there is endless emptiness.

Can saving money change the status quo?

There is such a topic in Zhihu:

Can you really change the status quo by saving money after 90?

After reading the answers at the bottom of the topic, you will find that saving money doesn't know when it started, and it seems to be a very controversial word. Most young people have two completely different attitudes towards saving money:

Saving money honestly is to make life easier in the future;

Eat, drink and be merry, and consume early in the era of soaring prices.

Many people say that saving money now is a bowl of poisoned chicken soup, which not only affects the quality of life, but also feeds money to inflation in vain. The more money you save, the more money you lose.

But in fact, many young people's first100000 is saved by wages. Although saving money doesn't sound cool, it is indeed the most feasible operation for young people to change the status quo. For most young people without special family background and resources, saving money may even be the only feasible operation to change their destiny.

Because saving money itself is not just a simple act, but the beginning of a set of habits that affect future survival. All changes start with a small habit change. Moreover, changing the status quo itself is not an overnight thing, but also requires a long period of accumulation, through a series of "butterfly effects" produced in the process of saving money to change.

Spend the money you should spend

There is a saying: "Don't spend a penny for the money you should spend, and don't spend a penny for the money you shouldn't spend." So where is the money spent? There are three parts:

1. The money that affects your core development should be spent.

For example, some appropriate investment can be exchanged for opportunities, such as skills training, such as CFA, such as teaching materials, and even some specific clothing accessories on some important occasions, such money, such flowers, but smart flowers (teaching materials are bought second-hand, and some things that support the facade are rented, etc.).

The money that affects your production efficiency should be spent.

If you are a programmer, a designer and a worker in a certain field, you must spend enough money on your production equipment (such as computers), which directly affects efficiency.

3. I like products with high frequency and low loss, flowers.

Small household appliances used every day, rhubarb boots worn in 10 years, lipstick perfume used every day, and small commodities that can enhance the happiness of life. However, the premise here is that the goods are single, the frequency of use is high, and the demand is strong. There is also a major premise that the products of the previous generation have not been used up, and future generations cannot buy them.

For many young people now, what needs to be done now is to study hard and save money. It may not change your life in a short time, but they will change your life sooner or later on the long road of life!