For young people, if their income is not high, is it still necessary to save money?

This is a question that I have been thinking about over and over again and struggled with for the rest of my life. Suppose I had such personal strategic thinking when I was young, Suppose I was not young and frivolous, Suppose I did not worry about the so-called friendship at that time , loyalty, friends, even romance, and being a moonlight clan. He even spent a little money in advance, borrowed money generously from his so-called friends, donated money generously to anyone who came, and even borrowed other people's money to help others. Several years have put him in a difficult situation. It's too late to regret. If I were to live my life as it should be, I would save every penny except for necessary expenses, see the big from the small, step by step, and let go of meaningless loyalty, fair-weather friends, and meaningless interactions that consume time and money. , if I had such a realm of thinking at that time, I would be very different today. Young friends, although your current income is not high, it is necessary to make reasonable arrangements and make some savings. This is the first pot of gold in life. Although it is not much, it is of great significance. This is the starting point of life and self-discipline in life. , Be confident, use small to win big, grow from weak to strong, you will always stand at the high point of life, be unafraid in the face of danger, and be calm in the face of changes. You must not rely on credit cards to maintain your vanity, and you must never over-consume beyond your heart. You must be careful and grasp the nodes. Self-examination and self-discipline will make your future bright.

Today’s young people are mostly moonlighting people. Everyone’s family background and way of thinking are different. For the rich second generation, according to normal people’s thinking, if they don’t need money, they only work for To experience life, I have encountered many cases around me. In the same company, the rich second generation work harder than the children from ordinary families. This is also related to the education of the family since childhood. It also affects whether young people can save. It depends on the actual situation. If you plan to buy a car or a house within a few years, then it is necessary to make goal planning. For example, how much money do I need to earn every month and how much money do I need to save? I achieve the set goal within the specified time. Of course, money is not saved, but earned. If you have a monthly salary of 3,000 and save 2,000, or a monthly salary of 10,000 and save 5,000, which one would you choose? Therefore, we should work harder while we are still young. Here is a message for all young people: if the direction is wrong, efforts will be in vain; if you don’t work hard, your life will be in vain!

Today's society has made progress across the ages and has become the world's largest country. It is not difficult to see from the treatment of some foreign people and events that behind China's strength are 1.5 billion people. With the support, the country has also carried out reforms and innovations in many aspects. The open policies and concepts have also inspired people from all walks of life across the country to open their hands, open their minds, and boldly start their own businesses. Of course young people have to volunteer to join in, but the current situation of low income discourages many young people. Faced with such a predicament, how young people should respond is a difficult topic for them. I propose A few insights, for reference only.

1. When young people enter the workplace or other jobs, although their income is not high, they can learn workplace rules and social experience, which is a valuable asset for young people that is better than money. (Among them There may be wage deductions, which is a separate matter). We learned experience, met all kinds of people, experienced the ups and downs, and indirectly learned how to deal with emergencies. This wealth will give us direction in our future life. Even if we take some detours, we are not afraid because we are still young.

2. Learn to plan reasonably. This includes money planning, time planning, family planning and life planning. Although the income is not very high, it can't be paid every month, and it even has to take care of the family's needs. The temptation is great. We have many daily necessities and entertainment projects. If we don't restrain ourselves from spending all the money, we won't be able to save money. So we have to control our hands, only buy some necessary items, and plan carefully. , even if you only save a little, you must save. Develop this habit. Young people have different ambitions. The purpose of saving money may be to accumulate funds for starting a business on their own in the future (the state encourages young people to start their own businesses) and to accumulate connections. This is a learning process. How can you start a business without money and connections?

3. Young people have the capital of young people. They are energetic and energetic. In any profession, you must do what you do and love what you do. You must be worthy of the job and the people who work for you, and give 100%. With hundreds of enthusiasm and unremitting efforts, people may not get rewards for their efforts, but there will definitely be no rewards if they don't work hard. While working hard, you must make reasonable arrangements for your relationship with your loved ones, time, and money.

Save money and accumulate it. In the future, this money may be used for family members, work, and living places. At that time, we can confidently say "I saved this."

4. The current situation is very good. People born in the 1980s are gradually entering middle age. There are old people and young people. Everyone is working hard for life. Young people born in the 1990s are the most liberal young people. They can travel freely at will, shuttle freely among various positions, and actively start a business regardless of the opposition of their families. What else is not possible?

Contemporary young people must work hard to learn social experience, use the knowledge they have learned to actively innovate, and expand their thinking. Therefore, it does not matter if you have less money, but you must save it in case of emergency needs. Saving money is still very necessary.

Precisely because we are still young, young people must save money if they have certain financial gains.

But young people who really have this kind of crisis awareness and financial awareness are becoming more and more rare. What’s more important is that most young people can’t make money and can’t control their consumption desires, so even if If you want to save money, it is difficult to meet the conditions for saving money in reality.

The cost of living remains high, and weddings and various social activities, not to mention old age, may already be overwhelmed after people reach middle age.

What's more, there is still a big gap between the security system of our empire and the standard of raising lazy dads in the West, and many young people do not have much security. This is a very realistic thing.

When you get old, there will probably be a large number of social groups that are even more miserable than Sanhe.

What do you think?

Of course it is necessary. For young people, if the family conditions are not particularly good, if they are completely dependent on themselves, then it is necessary to plan their life goals carefully. Although the current job is not high-income , but you can learn some social and work experience from it, which is also a valuable asset in life. No matter how poor your income is, you can always meet the per capita wage standard. You can set aside part of the money as fixed deposits or buy financial products. When the time is right, you can start your own business if you have some of your own money. By then you will have enough. With social experience and your own savings, you can start a small business. It is impossible to work all your life. You still have to have dreams.

Whether it is necessary to save money does not seem to have much to do with whether your income is high or not. If you want to save money, save more if your income is high. If you have low income, save less. If you don’t want to save money, no matter how high your income is, it won’t matter. It will save money, not to mention the low income. Low income will only become a reason for you not to save money.

As a young person, no matter how much you earn, you should still have some awareness of financial management. Saving money is also financial management. If you do not have a strong background and do not have such good resources, then if you want to manage your finances, you must first have some sense of financial management. No matter how little your income is, save some money. At the very least, when you have the opportunity to work in a better company next time, you can have enough money to buy a uniform and give others a better impression. Wait, don’t Don’t underestimate your daily accumulation. You must have concepts and habits for saving and managing money.

1. If a person’s workplace income is not high, it means that your workplace experience, knowledge or ability are not that advantageous! With money, you can choose to further your education, study, and retrain to improve your skills and abilities! Only in this way can you change your existing job status and salary income.

2. With money, you can learn to package yourself! By packaging your identity, find a way to integrate into a higher-level life circle than you, and make friends with them. People go to high places and water flows to low places. The influence, support and help they can give you are far beyond your reach. It's much more useful if you work hard in the workplace. Their knowledge, resources and connections will benefit you a lot.

3. If you have money, you can wait for opportunities! You can learn investment and financial management, and if you have the opportunity, you can even start a business together, and learn how to snowball and double your money.

4. With money, you can live a better life! Go reward yourself, go be filial to your parents, go travel around the world! If you meet love one day, you also need to spend money to fall in love!

Therefore, no matter how low your income is, don’t give up the good habit of saving money! It is because Americans do not have good money saving habits that when the economic crisis comes, China has the opportunity to catch up with the United States! Today is a world of capital, and young people must apply what they have learned.

It is definitely necessary. Let’s not talk about buying a car or a house. If something happens, at least you can get the money yourself, and you don't have to go around asking for money.

Even if someone agrees to borrow it, you still owe them a favor. Of course, credit cards, Huabei, and borrowing are all so convenient now. But you still have to pay it back if you borrow it! What if something happens again and the debt has not been paid yet and I need money again? Borrow again? But sooner or later you will be in debt if you continue like this. It’s still a time when there is no burden, no pressure, and no situation. Save if you can, and then save some money for yourself. Prepared for emergencies. There is an idiom called prepare for a rainy day.

Personally, I think it is necessary. In addition to maintaining normal expenses, the extra money saved can also be a large amount of savings over the years. These deposits have many uses and can be used for financial management. Of course, you can choose some with low risks. Although the returns are not high, they are more stable. Also, when facing some emergencies, you won’t need to borrow money from everywhere to tide over the difficulties. You can also travel occasionally. In short, having money around you will always make you feel more at ease.

Let’s talk about myself. It’s been two years. I have a house, a car, a loan, a wife, a daughter, and an old lady. But now I feel like no matter how much money I make, it’s not enough. There’s always something waiting for me, and I don’t have any money. It is absolutely impossible, so young people should not be greedy for pleasure, save some money and do not base their enjoyment on old age.