Four months after the epidemic, I drank 120 days at home. Rice porridge: the sense of security of adults is all given by money.

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, with a mortgage of 4,000, a car loan of 2,800 and a pile of credit cards. Every day I open my eyes. This is a bill that needs to be paid. My mobile phone is full of expired text messages, which is already crashing. "

This weak collapse makes people feel anxious.

I think, compared with those who say that an epidemic has eaten all their belongings, the more cruel fact is that countless people have not even eaten all their belongings.

The water in the swimming pool has faded, and it is inevitable that the invisible poor will swim naked.

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:

People with savings, life is a watercolor painting, colorful.

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

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

? People without 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.

I didn't know that she was fired at the beginning of the epidemic until I asked the reason. She doesn't have any savings, 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 bring her back to her original shape.

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

According to the "20 19 China Salary Report" recently released by Tencent Wealth Management, only 22.44% of the people have worked for 10 years and earned more than 10,000 yuan a month.

This means that nearly 80% of the workers have worked for 10 years, and their monthly salary is still less than 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 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 increasingly embarrassed.

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

This statement is not false at all.

People who have no savings can't eat the heavy hammer of life.

There is such a passage on Netease Cloud: "I didn't think saving money was important before. Later, it was discovered that the stars and the sea need tickets, and poetry and distant travel are 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.

It's better to save money as soon as possible than to spend a penny on a big sleep in the future. 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 all the year round. He never attends all parties. His purpose in life is: 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. He silently upgraded all the way with everyone's ridicule. He bought a house first and then a car, and finally 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 self-confidence, not a useless thing that can be dispersed with a wave of your hand. "

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

A penny can kill a hero.

It is absolutely unacceptable to drink today and get drunk today.

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

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

When the epidemic struck, everyone was in pain, and everyone was complaining 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-misses and 1 000 hidden dangers.

This statement can be roughly understood in life as follows: most of our hardships under the epidemic 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 have to buy it home in installments.

Take the goods to watch the live broadcast of online celebrities, be brainwashed frequently, and buy a bunch of useless waste products.

If you don't have money, you will have to 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 have to 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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Epidemics are well-intentioned warnings 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.

Second, 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, 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 out.

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

Yi Shu said: "Remember to be frugal, so that if one day you lose someone's favor, you can grieve for spring and autumn and remember the past without worry."

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 can leave as soon as possible and save our lives.

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

Adults' sense of security is all given by deposits.

* * * Encourage.