In the next few years, in order to cope with the uncertain future, the wisest thing for ordinary people to do is to take the initiative to reduce their living expenses and adopt a more cautious lifestyle.
Recently, a popular topic on social media is "one thing that says you're starting to save money." Netizens have shared their saving tips:
For example, waiting for a discounted bento box in front of a convenience store at midnight for breakfast the next day;
Cut your own hair at home and don't buy clothes that cost more than 100 yuan;
When the cleanser and toothpaste can't be squeezed out, cut open the bottle with scissors and continue to use it a few ......
No one wants to live on a budget, but after experiencing the threat of unemployment and the impact of unexpected circumstances, we have become more aware of the importance of financial management.
Compared with blind consumption, the savings on hand bring us a greater sense of security. In the next few years, we will still face challenges. Saving money and saving actively is not just about facing an uncertain future, but about adding certainty to yourself.
In the book "Minimalist Living", the author recommends asking yourself before shopping: Do I really need it?Will I use it frequently?Is there anything I have that I can replace?Thinking about these questions can help you avoid unnecessary overhead.
Writer Harvey Ike proposes that how you manage your money is more important than the amount of money you have.
Good money management Xi starts with bookkeeping. You can use a bookkeeping app or use WeChat's "Credit" feature to track your daily spending. Review your spending regularly to see what is necessary and what can be cut. When you know exactly how you're spending every penny, you'll be able to control your spending and protect your wallet.
Balzac once said: For the spendthrift, money is round, but for the thrifty, it is square and can be piled up piece by piece.
Learning to save is about reducing risk for yourself;Learning to save is adding protection to yourself.
I recommend a few proven and effective ways to save money:
Percentage Savings Method: Accumulate wealth with perseverance by putting 10% of your income into a savings account every month;
365 Savings Method: Create a calendar, choose any number between 1 and 365 every day to deposit savings, and after a year, you can effortlessly accumulate to 66,795 yuan;
Weekly incremental savings method: In 52 weeks, deposit 10 yuan in the first week, 20 yuan in the second week, and so on, you can accumulate a lot of money in a year.
Spending wisely, getting into the Xi of saving, and preparing for rainy days will be the best way to finance in the coming years.
A phrase that has recently become popular on the Internet is "the middle class doesn't want to die three-piece suit": investing in shops, quitting their jobs to start a business, and working full-time**. Many people are overly optimistic about the economic situation, blindly investing, and ultimately even sacrificing their previously stable lives.
Let me share the story of two friends.
A friend of mine is an executive of a ** company in Shenzhen, with an annual salary of one million yuan. His wife is a housewife and they have a pair of children. Go.
Because their eldest son is about to enroll, they consider their current three-bedroom home in exchange for a better school district house.
But the house couldn't be sold, so they borrowed 1.5 million, plus a loan of 2 million, to buy the school district house.
Unexpectedly, after the house was bought, my friend was laid off and couldn't find a new job. He needs to support a family of four and a monthly mortgage of nearly 20,000 yuan to repay.
He quickly ran out of his severance pay, and eventually had to choose to cut off his payments and borrow money to get by.
Another friend of mine is a technical specialist in a large bank with a monthly income of more than 10,000 yuan.
But one day, on the advice of a friend, he invested in a chain restaurant project.
He spent all his savings, plus loans from three banks.
However, the ensuing epidemic made his investment come to naught, not only losing all the principal, but also saddled with heavy debt.
Writer Lian Yue said: After settling down the family life, if there is still excess funds, then they can be used for investment.
If the investment fails, the family can still be fed, then the investment can be made.
If this is not guaranteed, investing can ruin your life.
In the coming years, as various uncertainties remain, I advise you:
Clear liabilities and minimize credit card usage;
Avoid blind investment and try to choose a conservative investment method;
Don't put all your money into a project, keep a family living reserve for at least a year or two. 、
When a 35-year-old professional was laid off in a large corporation, he was hired by a newly established business.
He turned down the offer because he still wanted to move into a larger company and was confident in his experience in the industry.
He believes that depending on his background, it will not be difficult to find a position similar to what he has done in the pastThe reality is, however, that the resumes he sends in rarely receive a response.
As we all know, it has become increasingly difficult to find a job in recent years.
According to survey data, it takes an average of 6 months for professionals over the age of 45 to find a new job once they lose their jobs, and 33 of them6% couldn't find a job or simply gave up looking.
Some of my friends have had to take multiple pay cuts when looking for a job after losing their job, and they are no longer obsessed with finding the same position, but just want to start a new job as soon as possible, after all, it is urgent to repay their loans on time.
In the next three years, the brutality of the job market will become even more brutal, and here are three principles that you need to follow:
1.Survival is paramount
It is only when people are unemployed that the strain on their livelihoods is really felt. Without a regular income, car loans, housing loans, children's education expenses, and daily living expenses have all become a heavy burden. As Yu Minhong said, "When survival is a problem, we must first consider survival." If a job is hard but doesn't detract from your dignity, even if it's not satisfying, you can accept it temporarily, as long as it provides income**. There is no shame in trying to make the transition in difficult times.
2.Cherish your current position
In January, Google announced that it would cut 12,000 jobs, IBM announced that it would lay off 3,900 employees, and Microsoft planned to cut 10,000 jobs by the end ......of MarchIn such a rapidly changing era, if you still have jobs to go to, you've actually outperformed most people. Therefore, cherish the work at hand and cherish the team around you. A timely paycheck can make ends meet, and a good job can protect you. When the cold wind does not subside, face difficulties with the existing work unit and seek warmth among colleagues, so as not to be knocked down by the cold.
3.Maintain the attitude of the original intention
In the process of applying for a job, you will need to let go of every achievement, status and accolade you have accumulated so far. The common "35-year-old anxiety" stems from the expectation that their income will increase with age. However, age and achievement are not directly proportional. If you start fast and then slow down, you may end up being overtaken by someone behind;It's inevitable. Who will live better in the next three years?Those who love change, who are willing to take the initiative to accept uncertainty, and who are brave enough to step out of their comfort zone. May you have the courage to take on the next challenge every time you start over.
Simplify social activities
The English writer Priestley once said: "A social gathering is an occasion where you go or don't go, and you regret it, because your absence will not be noticed, and your presence is just a game of contrived." ”
A pandemic has made many people aware of the non-necessity of socializing in quarantine.
In fact, too much social activity not only does not alleviate emotional isolation, but rather consumes us by not bringing about so-called connections.
Going forward, choose to lower your social level carefully.
1.Avoid meaningless gatherings
We often think that being involved in a lively party is an easy way to build relationships. In reality, however, relationships built at the dinner table often don't extend beyond the social setting. Those who only devote themselves to restless gatherings not only consume a lot of energy, but also often have the illusion that they have an invincible circle of friends. But when a wave of reality comes in, you will find that coping friendships simply cannot stand the test.
2.Leave vanity Fair
When Su Mang was the editor-in-chief of Bazaar magazine, every time she stood in the C position of the group photo with a group of celebrities.
However, once her status in the fashion industry is shaken, she will be cut from the **.
People who have gone through ups and downs understand better the truth that "people go to empty buildings".
In the real world, if you don't have value, all social interaction becomes irrelevant.
Instead of working hard in this vanity fair, it is better to be down-to-earth and improve your abilities.
3.Stay away from negative energy environments
Zhou Guoping once said: "Those who gather together just for the sake of having fun are often either in debt, or riddled with illness, and it is difficult to live happily;
On the contrary, those who come together to work together for the sake of common struggle are exercised physically and mentally, and ultimately live a happier and more fulfilling life. ”
Negative social circles will continue to consume you and eat away at you until you are unconsciously depressed;And entering a higher-level circle is a shortcut to growth.
As the poet Rilke put it: "* There will be definite victories, and persistence means everything." ”
In the face of turbulent life, we need to remain calm and steady to meet the challenges. In the next three years, please be cautious about your finances and reduce your desire to spend.
You must know that every compromise you make in your life now is for the sake of being able to walk on the path of life more dignified in the future.
Every one of your current perseverance will eventually win the favor of fate.