Yesterday I received a message in which he said: "My parents need money everywhere for their retirement, and they are also facing salary cuts and layoffs, and their wages have not been paid for a long time, and even if they are paid, they will have to go into debt every month." ”
After reading this message, I had mixed feelings in my heart, and I wanted to give him some comfort, but I found that the words that came out were so pale and weak. My words won't change the situation.
Repeatedly edited the words, wrote and deleted, deleted and wrote. I'm afraid of writing too much, and I'm afraid of writing too lightly.
It turns out that everyone is so difficult. How many people don't collapse while continuing to carry the weight forward.
How many people don't think that they have millions in their pockets, but in reality there are none.
How many people don't save and save, but the cost of living is still very high, almost working 365 days a year, but they just can't save money.
1. No matter how difficult it is, you have to hold on, okay?
The most difficult time for us is the New Year's holiday, and the creditor comes to collect the debt. My parents were arguing, and my mother scolded my father for being "unproductive", and scolded me together.
Eat porridge with salted radish every day, and so on. Every day when I come back from school, the first thing I do is not to do homework, but to sew umbrellas to earn manual fees, pick up cow dung and sell it to make money.
Clothes were worn for several years, torn and sewn, sewn and torn. I remember when I was in elementary school, people would laugh at me for wearing boys' pants, but they were the latest of all my clothes. Or a neighbor gave it.
And now?My teammates are unemployed, my parents are old, and I still have children to raise.
Despite all the hardships, I survived. I feel that life is still full of hope. Even though the money is hard to earn, at least I can no longer only cry and say what to do, what to do with the little girl. When I grow up, I can earn my own money, and that's hope.
Second, although the road is difficult to walk, there is always a way out.
There is a good saying: "What can't kill you makes you strong after all." ”
Unemployment is not terrible, just look for it again. I didn't go to work for more than six years after graduating, I went back to the workforce, and I had a lot of closed doors during interviews, but I eventually found a job.
Although there is a ceiling on the income of the main business, there is also a side hustle to do.
Recently, on the way to get off work, I saw a guy singing on the street, he sang very hard, and thanked the passers-by who gave him money very sincerely.
A colleague in the company has been going to a snack shop for part-time work after work these days. Friends also started Xiaohongshu.
You see, there's still a lot of road, right? So don't lose hope.
AI assistant creation season 3: Do a good job of family financial planning, and don't panic when you encounter things.
The less money you have, the more important it is to do a good job of financial planning, and you must not spend as much money as you want.
Seven Steps to Financial Planning:
1. Sort it out and see how much you earn each month right now.
2. Calculate how much you are spending each month right now
3. Take stock of how many assets you have now
4. Find out how much debt you have now.
5. See what else is thereFor example, if you see what assets you have, you can revitalize them and make a little more money.
6. Ask yourself what you wantThe goal must be clear and specific, so that it can be better achieved. For example, paying off debts, so it's quite vague. It can be written like this: pay off 100,000 debts in 2 years. Then you can list in detail how much money you earn each month and how much you repay.
7. Think about what skills you have that can be monetized immediatelyDo it right away.
Above, all encouragement. May we all walk out of the rainy day and keep the clouds open and see the moon.