Money will depreciate, is it really useful to save money, or do you want to spend quickly and enjoy life?

I don't agree with this view. Saving money is certainly useful. Only when you are down and out, especially helpless, will you know if you have saved money! As for not saving money, being a moonlight family every month, spending all the money to enjoy life and waiting for the approaching of the bitter days, I will talk about my personal views on these two issues.

First of all, let me share my personal experience. I am a rural child. Rural families have no source of funds, families are particularly poor, and family life is very poor. Sometimes the family has no money and wants to buy things! Even if you are sick, you can't afford to see a doctor! At that time, you will feel how important it is to save money and how valuable money is to you.

Secondly, let's look at the post-90s generation. It is this concept of not saving money and not spending in advance that makes many post-90 s young people live in debt. I suffer from paying my debts every month. You can eat whatever you want by borrowing money. After enjoying life, every month is a painful day to pay off debts, borrowing money everywhere to pay off debts. This is the life of most post-90s generation at present.

Therefore, saving money is very useful. Money is very useful. Money talks. Money is very useful. It can make you do many things and help you achieve many things.

But without money, a person can't move a step and accomplish nothing. What can he do now without money? It's all about money. Eating costs money, traveling costs money, even sleeping costs money. Without money, everything is useless.

If you have a lot of money by mistake, you can buy what you want and do what you want. This is the value of saving money and this is the advantage of saving money.

Some people may argue that the more money is saved, the less valuable it is, and the more money is saved, the poorer the bank is! This rebuttal makes sense, because every year prices are rising, currencies are depreciating, and money is really getting less and less valuable.

However, this problem can preserve or increase the value of your savings through investment and financial management, so that you can avoid this problem. If you put your money in the bank, you will get interest every day. Borrow money to live without saving money, and only pay interest to the bank every month. So do you think it's better to earn bank interest or pay it to the bank as interest money? I believe that most people choose the former to live.

In short, I advise everyone that saving money is a good thing and plays a very important role; Please stay away from the moonlight clan, or borrow money to live. You can't even afford to eat, you are sick, and it's no use regretting it then.

After reading the praise, I am rich. Thank you for reading and paying attention.

Is there any guarantee for not saving money? China people have the habit of saving money since ancient times, which is a sense of hardship. If you don't have a certain amount of savings, in case of illness and death, don't do it every day, the ground is ineffective. Better to rely on yourself than to go to others for help. People who haven't borrowed money don't know how difficult it is to borrow money. Therefore, saving money is necessary.

But you must master the degree and method of saving money.

First, don't save too much. When there is no bank, rich people hide money everywhere for fear of being stolen and robbed. Now people are saving more money for fear of currency devaluation. Don't save too much, three times your monthly income is enough, and the rest should be invested in financial management.

Second, family financial management should choose low-risk financial products, don't invest in the stock market, and be careful not to lose all your money.

With money in hand, you don't panic. People are heroes, money is courage!

Moderate consumption, long-term enjoyment of investment and financial management to make money is not based on the number of asset growth, but for consumption and reinvestment.

On the one hand, encourage rational consumption and plan consumption according to one's income ability. For the loan consumption mode, the starting point should be to save capital cost and increase investment income, not to consume in advance or in advance. In recent years, there are too many impulsive consumers who are in trouble because of online loans, campus loans and large credit cards, and the consequences are serious.

In 20 19, the total retail sales of social consumer goods in China will reach 40 trillion RMB, and China will surpass the United States to become the largest retail market in the world.

Consumption is good for yourself and social development. Planned consumption can make you feel more at ease without worrying about the consequences of your consumption.

On the premise of ensuring the basic consumption of food, clothing, housing and transportation, we should gradually upgrade consumption and make material and spiritual life more colorful in order to have lasting happiness brought by consumption.