In the past two years, the economy has been in a downturn, and the cold has been chilling, and in the next three years, please take the initiative to reduce the burden on yourself, downgrade your life, and survive the cold winter.
Consumption downgrade
A while ago, the topic One thing shows that your consumption downgrade was on Weibo's hot search.
Netizens posted a variety of fancy "door-picking" methods.
Some people squatted at convenience stores late at night and waited for a three-fold bento for breakfast the next day;
Some people get their own haircuts at home, and they don't have more than 100 yuan of clothes on their bodies;
Some people's facial cleanser and toothpaste can't be squeezed, so they will cut it with scissors, and then use it three or four times...
No one wants to pick and search to live, but we have experienced the unemployment crisis and suffered from accidents, and we have begun to live very soberly.
Compared with the pleasure of buying, buying, buying, and buying, the deposit in our hands is our greatest sense of security.
In the coming years, tests await us.
Saving money hard and trying to save money is to save yourself a certainty in an uncertain future.
The book Minimalist Living offers a shopping standard to ask yourself 3 questions before you buy something:
Do I really need it?
How often do I use it?
Is there anything I have that can replace it?
Thinking through these questions can help you save a lot of unnecessary expenses.
Best-selling author Harvey Ike said:
Your Xi of managing money is more important than the amount of money you have. ”
The first step in managing money is to develop the Xi of bookkeeping.
You can ** special accounting app, or WeChat accounting book page "record a sum" to record your day's expenses.
Then do a weekly or monthly review to see where to spend and what not to spend.
When you know exactly where every penny goes, you can block the exit and keep your wallet.
Balzac said:
For those who are wasteful, money is round, but for those who are thrifty, money is flat and can be piled up in pieces. ”
Learn to save money, you save risk;
Learn to save money, you save for security.
Spending in moderation and knowing how to save money is the best view of money in the next 3 years.
Investment downgrade
Recently, there is a hot word on the Internet "the middle class does not want to die three-piece suit", which refers to: investing in shops, quitting their jobs to start a business, and full-time **.
Many people are too optimistic in their judgments, blindly invest, and eventually lose even their originally stable lives.
Tell me the story of a friend of mine.
He is a technical specialist in a large bank, with a salary of more than 10,000 yuan per month.
One day, he listened to a friend's suggestion and invested in a chain restaurant project.
He spent more than 400,000 yuan of his savings and borrowed loans from three banks.
As a result, my friend's investment was wasted, not to mention losing all the principal, and he also owed a lot of debt to the bank.
Writer Lian Yue said:
The standard of investment is that you must have the capital to settle the life of your family in advance, and then you have spare money before you can use it for investment;
After the investment fails, you have to ensure that your family has enough food and clothing, and if you can't follow this standard, you will be killed by the investment. ”
In the coming years, all kinds of uncertainties will remain, and smart people are emptying their debts and using credit cards less often;
Do not invest blindly, and prepare the living funds of the whole family for a year or two on the bank card.
Employment downgrade
I watched a talk show about a 35-year-old interviewee who received an invitation from a small company after being laid off by a large company.
He bluntly said that he still had some industry self-esteem, and he still wanted to go to a bigger platform, so he refused.
He thinks that with his qualifications, it is easy to find a company similar to the previous one, but the reality is that his resume has been lost.
Everyone should feel that it has become more and more difficult to find a job in recent years.
There are survey data showing that:
Once a person over the age of 45 is unemployed, it takes an average of 6 months to find a new job, and 336% can't find a new job or give up.
I have unemployed friends around me, and when I was looking for a job, I repeatedly cut my salary, not seeking the right position, but just wanting to join the company as soon as possible, because the mortgage waits for no one.
The employment situation may be brutal in the next 3 years, and here are three rules you need to follow.
1.Let's live first
Once you are unemployed, you understand what it means to be anxious.
In the days when there is no income, car loans, housing loans, children's education expenses, and daily living expenses have all become problems.
As Yu Minhong said:
When a person is faced with the problem of survival, he must live first.
As long as this job does not tarnish your personality, and you don't like it anymore when you work hard, as long as it can bring you an income, you can do it first. ”
2.Cherish the current unit
In this era of rapid change, if you still have classes to attend, you have actually outperformed most people.
So, cherish your existing job and be kind to your unit.
A salary that comes on time can keep you afloat, and a good job that can shelter you from the elements.
Bear the pressure with the existing unit, and huddle with colleagues to keep warm, so as not to be frozen.
3.Maintain a zero-in mentality
In the mindset of finding a job, you have to leave behind all your achievements, status, and aura that you have come to where you are today.
Everyone always has "35-year-old anxiety" because everyone always thinks that they should earn more and more.
However, the relationship between age and achievement is not linear.
May you still be full of courage and meet the next change without hesitation.
The poet Rilke said
"There's no victory, standing up means everything. ”
The sea of life is never calm, you have to meet the wind and waves with a steady attitude and survive the wind and waves.
In the next 3 years, please hold your wallet tightly and reduce your desires.
Please believe that every time you bow your head to life, it is for you to hold your head higher in the future.
Every accumulation you have at the moment will eventually be rewarded with the favor of fate.