Learn the self-discipline of saving money when you are young, and you can enjoy the stability of middle age. What is the importance of saving money?

After working for so long, I always think that saving money is not a big deal, because I am not the kind of person who usually spends moonlight when I get paid, so I always have no feeling about saving money. I am the kind of person who has a little money but no big money. However, the epidemic lasted for more than two months, and even the rent could not be paid in life, let alone the mortgage and car loan, and even the young people around them and themselves in the circle of friends could not support themselves. Dare not change jobs at work. I have no extra expenses to support my unemployment. I can only watch the company reduce my salary and cancel the relevant benefits, and I can only swallow it.

But during the epidemic, I never felt that saving money had such a great impact on one's life and career. Seeing the reality that the average debt of the post-90s generation is over 100,000 yuan, and the debt ratio is as high as 1000%, I think it is necessary to talk with some young people who have just entered the society and the workplace and have short working hours.

Save money as soon as possible and enjoy the sense of self-discipline brought by saving money as soon as possible. Only when you reach middle age can you enjoy the stability that everyone desires in the future. This is the advice of an experienced worker who has worked for 8 years to young people.

What is the importance of saving money?

Saving money can not only determine the quality and level of our life, but also affect our career choice and development. When we are young, we may think that the moonlight clan is no different from those who save hundreds of thousands every month, but the gap often opens inadvertently.

Because you are still young, you have more opportunities to try and make mistakes and start all over again. Your life has just begun. Do not advocate the idea of living in the present. Everything is cruel when there is no money. When you have money, your gift will be meaningful. There are many places that need money in the future. Learn to enjoy the self-discipline of saving money in advance, and your life will be more advanced and refined.

The happiness of 0 1 moonlight clan will become more and more uncomfortable because of lack of money.

You are proud of moonlight, and you think that spending money for yourself is the meaning of life and work. No, you are wrong.

After graduation, classmate Jia Hao chose to go to Beijing to work hard and become a North drifter. After working for five years, his salary rose from 3000 yuan to 1000 yuan. It looks good, but I can't take out the three thousand dollars I lent him at ordinary times. Although there is a little surplus in addition to the usual rent, people's pursuit of ritual and experience in life leads to their drinking milk tea 1000 yuan per month.

In the sixth year of work, Jiahao is almost 30 years old, and the 50,000 yuan in his pocket can't even be touched. Although the salary looks good to outsiders, he usually spends too much money and spends as much as he can. After working for so many years, he said how much he would earn before going back. Now it seems that he was just talking, and he was hurt by his uncontrollable hand. Finally, under the persuasion of his parents, Jiahao chose to give up Beijing and return.

According to his career development at that time, in fact, if he can stay for another three years or so, his salary level can be raised by another level. At that time, his company's benefits were still good, but the consumption habits of the moonlight family, even if the salary was higher, could not hold money in his pocket.

Sometimes, because you can't control your money, you will miss a dream city. You want to stay, but you can't stay in reality.

When there is no money, there is no qualification for progress.

The number of college graduates in 2020 is 8.74 million, which is also called the most difficult year for graduates. As college students become the main force in the job market, the employment threshold of the whole society is invisibly raised. For many young people, only by improving their own value and enhancing their core competitiveness can they break through in the severe employment situation of "college students everywhere".

A new colleague of the company, a newly graduated college student, is engaged in editing and design work. Although they all have a certain level, the technology is not very deep. It is unsuccessful to go to a company with higher professional requirements, so they came to us because the company recently needed to expand the scale of its departments and recruit more people, including two more designers or editors.

The young man thinks something is wrong, and the company wants to eliminate him. He is really afraid of being eliminated. So he usually teaches himself to watch video improvement technology after work, but online learning is not very systematic and complicated. One day he saw a systematic course designed by an editor on the Internet and wanted to sign up for it, but the annual price was 13000 yuan.

He earns 4500 yuan a month and doesn't eat or drink for three months. And he is basically moonlight, so he has no choice but to give up. Later, he recruited several professionals. The young man can only follow them and study bit by bit. He was glad that he didn't get fired later.

Just because you have no money, you are not qualified for progress and growth. When you get paid, you feel that the whole world belongs to you and start spending money like water. When you see that the balance is still double digits, you begin to think sadly about the meaning of life. Why? Everything is done by yourself, so when you are young, you can stop you at any time, but don't let money limit you.

How cool is it to know how to enjoy the self-discipline of saving money?

Because the satisfaction brought by spending money is immediate and timely, but the sense of security of saving money is often delayed, just like delaying satisfaction, people don't pay much attention to what they often can't experience or get right away, which is one of the reasons why young people now overdraw their consumption, spend in advance and use future money to pay for their present happiness. They prefer it and think it's no big deal.

Tell me about my friends. Jiahua was his classmate in college. In the first year or two after graduation, his job changed again and again, which was very unstable. He worked as a painter, salesman and takeaway brother. He spent about 4000 yuan a month. After working for two years, he didn't want to work and went directly to Shanghai for development. Jiahua is very stubborn. He never does what he doesn't like and is not good at. If he wants to do it, he will be himself.

Although the work in the first two years was very unstable, Jiahua has a better skill than everyone else, that is, strictly controlling expenses and having a good habit of saving money. He likes the feeling of deposit accumulation and growth, which is why he was able to leave and go to Shanghai later. After working for two years, he saved about 50 thousand yuan.

When he went to Shanghai to look for a job, it was not easy to find it at first, but he thought that the money he had could support himself for a while, and he could find a job slowly, not to find a job to eat, but to have a job that would allow him to grow, improve and see the future. At that time, the core goal of Jiahua's job search was not only to support himself, but also to develop his career and his future growth.

Later, about two months later, he found his first job in Shanghai with a monthly salary of 1 10,000. Although his salary has made a qualitative leap, Jiahua has not squandered money, nor has he squandered it because of the increase in salary. In a city with precious land like Shanghai, he continues to strictly control his living cost.

After working for two years, Jiahua's money gap is already 6.5438+0.5 million. In the third year, he persuaded a colleague to go out with him to be a company alone. Even if the company lost money a few months ago, it can survive with its own money. Later, although the company didn't make much money in the first half of the year, it started later. In the third year of operation, the company achieved profitability.

How cool is it to enjoy the self-discipline of saving money? You can say "no" to a job you don't like. People look for jobs to make money. When the salary is due, you can gradually have more time and choices. Choosing a job that you like and have room for development can make your career by going up one flight of stairs. Of course, what we are talking about here is the benefits brought by objective conditions, and your subjective efforts are essential.

Do you think saving money is important? It is so important that it may affect a person's career development, the career direction he chooses and the career choice he makes. All self-confidence and unyielding confidence come from "money", the money you save.

Life is not absolutely stable, so is work.

Some people think that the work of civil servants and institutions is extremely stable. Anyway, the monthly mortgage payment is similar to the car loan. There is not much need to save money, nor can it be saved. But is this really the case?

As mentioned above, the stability of the job is only relative to other jobs. I believe that after this epidemic, everyone has felt the anxiety of not saving money and the consciousness of saving money. They hate having less money when they use it. They think it's okay to get a monthly salary. Now it's their turn to take measures such as salary reduction and layoffs, and they find that they need to save money at any time.

Many jobs have their own salary ceiling, and the salary level will not make a qualitative leap with your age, related experience and technical improvement, just like the phenomenon that 70% of office workers have not reached a monthly salary of over 10,000 yuan after working for 10. To give a simple example, take the work of a bus driver as an example. The general salary level is around 4,000 yuan, and the highest salary is 6,000 yuan a month. This kind of work will not give you an increase of thousands of dollars just because you have been driving for decades and your driving skills have improved and you have rich experience. It is out of the question.

If you are unemployed at this time, you need to find another job. The so-called promotion and growth in your last job will not help you in your next job, nor will it help you to improve your core competitiveness. If you change your job, you still have to start all over again.

During the period of re-employment and job hunting, only the money saved can bring you a sense of security, which is the most practical and practical. The future prospects of many jobs are predictable, and most of them also have great risks. The only way to resist this risk is to keep the habit of saving money. With money in hand, the ability to resist risks will also be enhanced.

05

Nowadays, many young people lack the ability to make money, but they have great ability to spend money. A monthly salary of 3,000 gives them the impression of a monthly salary of 1000. They advocate exquisite life and think that they have lived an enviable life in everyone's eyes. Looking back, they find that they have been living in the life circle set by others and are tired of maintaining a seemingly exquisite life state.

Some people who claim to be opinion leaders advocate consumption, which makes a group of young people with immature consumption values fall into the trap of consumerism and form some seemingly correct outlook on life and consumption. "Spending money for yourself is the meaning of life", "Working hard to make money is for consumption", "There is nothing wrong with being young and refined and poor" and so on. All unrestrained material consumption is exquisite, which is the value instilled in young people by so-called online celebrities who bring goods.

Wake up, young man, there are plenty of places to use money in the future.

Being rich is a kind of self-confidence and a sense of security. Start saving money as soon as possible while you are young, and learn to enjoy the sense of delayed security brought by saving money, so that your future life will be safer.