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There is such a question in Zhihu: "How long can your savings last under the epidemic?"

There are many answers, one of which impressed me deeply:

"I don't have a penny deposit, 4,000 yuan mortgage, 2,800 yuan car loan, and a bunch of credit cards. Every day I open my eyes. This is a bill that needs to be paid. My mobile phone is full of overdue text messages, which is already crashing. "

This weak collapse makes people feel anxious.

In my opinion, compared with those who say that an epidemic has eaten up their property, the more cruel fact is that countless people have not even eaten their property.

The water in the swimming pool has become weak, and the embarrassment of naked swimming for the invisible poor is inevitable.

It was not until the crisis came that I suddenly realized that in middle age, there was no moat to resist risks.

It is true that deposit is the most basic moat in life.

Some netizens made an image metaphor for this:

For those who have savings, life is a watercolor painting with colorful colors.

Without depositors, life is just a sketch paper, and black and white is boring.

It is not difficult to see that the situation of people with deposits and those without deposits is completely different.

? People who have no savings can't sleep well.

One of my classmates told me two days ago that the epidemic has been going on for four months, and she has been drinking rice porridge at home for 120 days.

Only after asking the reason did she know that she was fired at the beginning of the epidemic. She doesn't have any savings in her hand, so eating becomes a problem, and credit cards and rent are in urgent need of support, so she can't sleep every day.

She is used to spending money lavishly at ordinary times, and thinks that being young is to squander enjoyment. She overdrawn her credit card and borrowed online loans, becoming a glamorous "exquisite girl" in people's eyes.

But who would have thought that an epidemic would restore her to her original shape.

How cool it was to spend money at the beginning, how deep it is to regret now!

Recently, Tencent Wealth Management released the "20 19 Chinese Salary Report". The report shows that only 22.44% of people have worked for more than 10 years, with a monthly salary of over 10,000 yuan.

This means that nearly 80% of the workers have worked for 10 years, and their monthly salary is still below 1 10,000 yuan.

But many people around us never weigh their wallets. A set of ladies' cosmetics, an idol concert, an expensive set of fitness equipment and a brand-name dress may cost half a month or even several months' salary.

The happiness of consumption is only the second kind of happiness when you pay, but countless people are willing to pay for it themselves.

When the passion faded, I realized that all I had was endless debt and embarrassment that I was increasingly stretched.

As the old saying goes, "Don't panic if you have surplus grain in your hand."

This statement is not false at all.

People without savings can't eat the heavy hammer of life.

There is such a passage on Netease Cloud: "In the past, I thought saving money was not important. Later, I found that the stars and the sea need tickets, and poetry and distant travel are very expensive. I can't go far without money. "

Isn't it?

Dreams without money are delusions after all.

Life without money is full of hardships.

Instead of spending a penny on sleeping troubles in the future, it is better to save money as soon as possible. Money can cure all pains.

With money in hand, the joy of life can last for a long time, and with savings, you can feel at ease.

? People with deposits are calm and calm.

There is a male colleague in the company. He usually lives frugally. He brings his own lunch box to work, and he can wear a dress for four seasons, and he never attends any party. His purpose in life is that if you can save a dime, you will never waste a penny.

In private, everyone said that he lived a stingy life and was a big cock with no money.

He didn't think so, and quietly upgraded all the way in the laughter of everyone. First, he bought a house and bought a car, and finally he married his beloved girl.

He gagged everyone with his actions.

When a group of our colleagues only knew to eat, drink and be merry, he was already cautious about the future.

He said: "I don't spend money, I'm not stingy or stingy, but I know I just need to spend my money on the blade, and spend my money on the blade." Living in this world, money is used to help you, to improve your confidence, and it is not a useless thing that can be dispersed with a wave of your hand. "

That's true. You will be extravagant when you are young, but you may be miserable when you are old.

A penny can kill a hero.

It is absolutely unacceptable to have the mentality of drinking today and getting drunk today.

People who understand the importance of deposits control the direction of money and their own destiny.

? It is not that you earn less, but that you spend more.

When the epidemic struck, everyone suffered greatly, and everyone complained that it was the epidemic that brought crisis to life.

We might as well think about it, is our real crisis an epidemic?

Not exactly.

Heine's law shows that behind every serious accident, there must be 29 minor accidents, 300 near accidents and 1 000 hidden dangers.

This statement can be roughly understood in life as follows: most of our difficulties in the epidemic situation are due to the quantification of various wrong expenses before the epidemic.

The real crisis is our accumulated and unreasonable consumption habits.

The wind rises at the end of qingping.

A new mobile phone, if you have no money, you must buy it home by installment.

Watching online celebrities live with goods, they were frequently brainwashed and bought a bunch of useless waste products.

If you have no money, you must travel badly and eat dirt for several months when you come back.

For these "pseudo-just-needed" consumption, we can obviously refuse and say no.

But we pay for it again and again.

Sometimes we must ask ourselves, do we have to buy what we want? Do you really need it?

In life, making money is the ability, and knowing how to spend enough is the skill.

The truth of our poverty is not that we earn less, but that we have too many desires and the ravines are hard to level.

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The epidemic is a kind warning from life.

I have three suggestions on how to resist unknown risks:

First, consumption is downgraded and forced to save.

Control desire, every expenditure should be carefully examined, whether it is necessary to buy.

Take out 0/3 of 65438+ salary every month, and make compulsory savings for emergencies.

Learn to invest and manage money so that Qian Shengqian can enjoy the benefits of compound interest.

The second is to break through stereotypes, develop sideline business and strive to generate income.

More skills won't slow you down. Besides doing your job well, you should also improve other skills. Let the knowledge update and iterate, arm yourself with strength and become a diversified talent.

Be a person who will not be replaced by passers-by.

Work is like this, and so is ability.

Be a slash youth, remember, it is always more important to open source and generate income than to cut expenditure.

Third, put the risk ahead and do more plan B.

There is nothing fixed in the world, and there is no job once and for all.

Be prepared for the worst in times of peace. There must be two ways to retreat.

Sometimes, we must take a long view. What we have to think about is not how to live now, but what will you support yourself in ten, twenty or even thirty years.

Yi Shu said: "Remember to save, so that if one day you lose anyone's favor, you can grieve for the spring and mourn for the autumn without food and clothing."

The amount of savings is not only linked to the happiness index of life, but also directly proportional to it.

Things change, and disasters are unknown. I hope you and I will leave as soon as possible to save our lives.

After all, we don't want much in this life, just hope that when we encounter difficulties in life, the money in hand can be its opponent.

Adults' sense of security is all given by deposits.

Encourage each other