The sense of security of saving money is far more important than the pleasure of spending money. Should you be refined and poor at a young age?

It took me 5 years of work to understand those so-called views such as "You should spend all your money on yourself when you are young", "There is nothing wrong with being poor at a young age" and "The meaning of working hard is to spend money on yourself". The seemingly correct values ??of life have poisoned many young people. Everyone thinks that it is okay to spend money on yourself when you are young. After all, you are still young and you still have the opportunity to start over. You should work hard to live a better life when you are young. The life you want is the most important, whether you save money or not is not important.

But the cruel reality tells me that I have money in my pocket. Only when I can find money in my pocket at critical times, will I feel confident and my life will be more secure and secure. Only then will there be more choices. Those who desperately advocate the concept of young people spending money and consumption can indeed allow young people to enjoy their current life, but as for the risks in life and the workplace, such a life and consumption state cannot withstand any risks. Testing.

I once chatted with a young man in his early 20s who had just entered society and the workplace. This classmate worked in a very small company. The number of employees in the entire company did not exceed 10. He usually worked They are relatively easy, but the salary is not very high, basically 3,500 yuan a month. For a newly graduated student, this salary is actually the salary of most ordinary office workers. He said he did not want to do it. I feel that I have no future in this company. Even if I can get a promotion and a salary increase, the monthly salary will only be 8,000 yuan at most. Moreover, I have just graduated and I want to change to a big company to train myself. A small company feels that it is very limiting for me.

My advice is: If it is possible to go to a big company, as a newcomer, you should try your best to go to a big company. Compared with small companies that are not so well developed, big companies have more complete The salary system, with a relatively higher starting point and platform, allows you to see more, learn more, and the starting point of salary will be higher.

This is not to say that small companies are bad, although in many cases, employees of small companies may have to wear multiple hats. The personnel and job division of small companies are not so successful. Systematization and perfection can train one's abilities in all aspects, especially for a newcomer with little experience, which may be more conducive to his rapid growth.

But if there are elections, the advantages of large companies are definitely greater than that of small companies. No matter in terms of working environment, company system, salary and benefits, they are more standardized, and the starting point is high. , the career upward path is also relatively clear and transparent.

Whether you are a veteran in the workplace or a newcomer, what everyone is most concerned about is the issue of salary and remuneration. Today we will talk to you about money and the importance of saving money for young people. Although in this material world, In this era, many young people easily fall into the consumption trap of refinement, but here I still want to emphasize the importance of saving money. How much money you can earn in a month is important, but at the same time, how much money you can save in a month is equally important. .

For young people in the early stages of their career, career growth must be an essential part of their career. But on the other hand, it is equally important to accumulate a certain amount of capital in their career. Why? Because this not only allows you to choose what kind of life you want to live, giving you more choices, but also resists the risks of life that young people from the Moonlight Clan cannot bear.

For most ordinary people, working hard and making money is not just to take out the money in their pockets one day, buy what they want, and live the life they want. life?

I remember when I first started working, a master once told me: Young people, the money you earn is not yours. How much money you can use at critical times is the security of life. Protect your life.

The savings in your pocket can support your choice

There is a saying you may have heard: life is not only about the present, but also about poetry and distance.

But whether it is the current miserable life, or the longing for poetry and distant places, they all need money and economic strength to support them. No matter how bad their life is, they still need to have money in their pockets. There are deposits in it.

Many of today’s young people, who have just started working, have very high salary requirements for themselves, but their abilities are still insufficient. They always complain that their working environment is not good enough, their bosses are bad, and their colleagues are not good enough. It’s hard to get along with me, and I always feel that no matter where I work, it’s not suitable for me.

Every time I meet such young people, I will say to them: It’s a very simple thing. The legs are on your own body. If you find it uncomfortable, just resign. This is not what you are young people do. What is your favorite thing to do? Resigning when you encounter any difficulties seems to seem like you can't survive without the company.

But the more young people tend to experience this phenomenon, they will eventually choose to stay when faced with whether to resign or not. What is the reason for not resigning? In fact, it is just a very practical reason. On the one hand, there is not much money in hand, and on the other hand, there are too many debts and there are too many places to spend money.

I am used to living a refined life. I have a monthly salary of more than 3,000 yuan, but I have to live a life of 10,000 yuan a month. I need to pay the rent on time every month and pay it back every month. Credit cards allow young people who overdraft or even spend ahead of schedule every month to have enough money to support their decision to resign. After all, one month's salary can alleviate their urgent needs.

This is the illusion of having no money in your pocket, but your life looks rich. Even if your life looks rich, the disadvantages of not having any savings are always the same when making any choice. It’s difficult to move forward. In this era where you can earn and spend money while walking, there are places to spend money everywhere.

While scolding his company for all kinds of bad things, he just refused to leave and chose to stay in the pit. Why? It’s not that I’m afraid that I won’t be able to pay the rent and credit cards without my salary.

On the contrary, if you have a certain amount of savings, you will save a little money from your monthly salary, and have certain financial strength, and all seemingly difficult choices will become extremely simple.

If you feel that the job is not suitable or you are not used to it, you can resign without hesitation and choose 1-2 months to adjust, find another job, adjust your status, and save the money in your hands. If you can maintain your current quality of life without deteriorating, you will have enough time to find a job you like, and you will not continue to feel wronged because you have no money in a company you don’t like. Say "no" to a company you like. You have the courage and strength to reject things you don't like. At the same time, you also have more time and choice than others for things you like.

Whether it is in terms of career choice, or the expenditure of manpower, material resources, and energy, when you have a certain financial strength, it will not only make your choice more firm, but also more quality and efficiency.

The TV series "An Jia" is very popular recently. There are several scenes in the TV series that show the difficulty of real estate agents in making money. In order to provide customers with a good viewing experience, Wang Zijian helped the clients all the way. He followed the wealthy Mrs. Jin and flattered him all the way. In the model house, he personally wiped the toilet. Yu Hualong waited until midnight to allow clients to see the house. In the end, he was scolded by the clients, saying that agents should not be sticky and once stuck, they could not get rid of them.

This society is very realistic. If everyone is not for money, who is willing to do things they don’t like, who is willing to be scolded every day, who is willing to look at the boss with a straight face every day, who is willing to compromise and seek perfection, Serving a hard-to-serve boss every day and having to do things based on the boss's face is not just because I don't have money in my pocket, but to be more precise, I don't have enough money to let myself choose to get rid of this kind of life.

Although money is not everything, it is ultimately the source of most of the confidence in life. If you have money, you can say no to people and things you don’t like, and you can pay rent every time. You don’t have an expression on your face when using a credit card. You can even buy things in the mall without feeling like you’re cutting your teeth. When life risks arise and you need money, you can take out the money at the critical moment. This is what saving money brings. The sense of security in one's own life can make many seemingly difficult situations and decisions simpler and easier to solve. It can withstand the risks of life and make life more confident and determined.

Life costs money, and this cost is rising every day. The importance of savings is reflected in this.

For today’s young people, I do not object to their pursuit of refinement, but it is also important to know how to save money for yourself while spending money, and to strengthen the wall against risks in your life.

Earning ability is very important, but please also consume wisely

Today’s young people advocate a consumption concept: money is earned, not saved. The general meaning is that the more you earn, the more money you will have. To give an example that can deceive people, you earn 10,000 a month and spend 5,000 and have 5,000 left. But if you earn 5,000 a month, 3,000, even if you spend 1,000, you will only have 2,000 left, so the growth rate of your money depends on your ability to make money, not your ability to save money.

It seems to be a very reasonable example, but please think about it carefully. If you can easily improve your earning power, of course everyone will do it, but this is unrealistic. If you start from monthly salary From 3,000 to a monthly salary of over 10,000, it is as simple as everyone says. Why do so many white-collar workers go to Didi to deliver food after get off work? Why are more and more people saying that side jobs are just needed? This is exactly the difficulty of increasing income. Just relying on It is even more difficult to increase income from one job, so everyone works several jobs, but even so, there are still only a few who can earn more than 10,000 yuan a month.

Some time ago, data showed that 70% of office workers have worked for 10 years without a monthly salary of more than 10,000 yuan. There is another phenomenon that shows that even if the salary is not high, you can still achieve wealth by saving money and spending reasonably. Growth, judging from the current home buying situation of the post-90s generation, most of the post-90s generation above 90 buy a house by emptying their parents' wallets, spending a lot of their parents' life savings, so how do these parents get their money?

Everyone knows that many people of the generation whose parents were born in the 1990s lived in a difficult environment. At that time, wages were not high and living standards were not good. Why can they spend so much money at once? If they spend 100,000 or even millions to buy a house, does their earning power become stronger? It seems that it has never been possible to save so much money and save so much money by saving every penny. Those young people who have seen too much nonsense will understand how to save money when they need to buy a house. How important it is to your own life, and even to a family.

How much money you can earn is not your own money. How much money you can save is your own money. Money is never spent, but saved. .

When you spend money, you feel that the whole world belongs to you, but when you really need money, you are always short of money. At this time, you feel that the whole world is targeting you, and you will regret it. Spending money indiscriminately, spending money that shouldn't be spent, just to enjoy the present, never thinking about your future life.

When you are young, it is a good thing to have various pursuits and expectations for life, but you should not pursue a refined life too much and overdraft your future money. You may feel that doing so is not enough for your current life. It seems comfortable at first glance, but in the long run, if you don’t have the habit of saving money, or even realize the importance of saving money, when you need money in the future, where can you get it?

Everyone’s exquisite life is matched with his financial strength. How much money you have depends on how much life you have. Economic strength is always the foundation. Only by laying a solid foundation can your life become better. It is getting better and better. Although the Sky Pavilion is luxurious, it is unrealistic and cannot withstand any disturbance.